Founded in 2003, Embrace brings nearly two decades of experience to the world of pet insurance. They offer three plans for cats and dogs: accident and illness, accident-only, and preventative care plans. So, if you’re worried about vet expenses in your pet’s future, an Embrace policy can help protect against the cost of a future diagnosis. Additionally, Embrace has a generous diminishing deductible program and multiple discounts.
In order to learn more about Embrace and the coverage they offer, be sure to continue reading below.
Pros and Cons of Embrace
- $50 diminishing deductible program
- Every policy covers exam fees
- Helpful 24/7 pet health line
- Easy claim submission through the app
- $25 enrollment fee
- Not the fastest claim processing
What Does Embrace Offer?
Embrace offers two primary options for dogs and cats: accident & illness and accident-only. Embrace also offers an optional preventative care add-on. This optional coverage helps with costs associated with keeping your pet healthy and free from illness and injury in the first place. See below for a breakdown of each plan.
Accident & Illness
- All illnesses and injuries
- Hospitalization and Surgery
- Emergency and Specialty Care
- Breed-specific and Hereditary Conditions in Purebred Pets
- Congenital Conditions
- Chronic Conditions
- Cancer Treatment
- Behavioral Therapy
- Diagnostic Testing
- Prescription Drugs
- Complementary/Alternative Treatments and Rehabilitation
- Foreign body ingestion
- Getting hit by a car
- Torn cruciate ligament
- Cuts and laceration
Preventative Care (add-on)
- Wellness Exams
- Spay or Neuter Surgery
- Vaccines and Preventatives
Dogs and cats of all breeds from six weeks old to 15 years old can enroll in Embrace’s accident and illness plan. However, those older than 15 years old can still enroll in their accident-only plan.
What To Expect on the Site
Start the easy process of getting a quote on the Embrace website by clicking on the “Get Quote” button. You’ll then be asked a few questions about your pet:
Embrace will also ask for your contact information and zip code of residence. After that, Embrace will contact you with your custom quote. Simple as that!
Your premium is calculated based on several different factors, including your pet’s breed, age, location, and deductible. So, we can’t can’t get specific about pricing. However, you can quickly go through the free quote process to get a good idea of pricing. Notably, all plans come with a diminishing deductible feature called the Healthy Pet Deductible. If you don’t receive a claim payment in a single year, then your deductible will decrease by $50. Embrace also offers military (both active duty and former members of the armed forces) and multi-pet discounts.
What People Are Saying About Embrace
Based on reviews from customers, Embrace has a Trustpilot score of 4.4 out of 5 stars. As of November 2021, its excellent Trustpilot score breaks down as follows:
- 77% of customer reviews give Embrace 5 out 5 stars
- 81% of customer reviews give Embrace 4 or more stars
In addition, Embrace is accredited by the Better Business Bureau and has an A+ rating.
The Bottom Line
Embrace offers pet insurance policies suiting virtually any scenario and budget. As a result, Embrace can help in times of injury and illness. And if you’re looking to prevent those injuries and illnesses from happening in the first place, then Embrace’s preventative care add-on also has you covered. Throw in a generous diminishing deductible as well as great discounts, and Embrace emerges as a strong option. Give it a look as you compare the best pet insurance providers.