Embrace score: 4 out of 5 stars
Finest for: Reductions for wholesome pets
Pet homeowners will respect Embrace Pet Insurance coverage for its ample protection and below-average, aggressive prices. Sadly, protection for vet examination charges and prescriptions require shopping for add-ons, however, basically, Embrace gives wide-ranging protection options.
Embrace additionally stands out for its Wholesome Pet Low cost Program, which routinely applies a 5% low cost within the first yr in case your pet’s claims are lower than $300. There’s a ten% low cost within the second yr for low claims in addition to a ten% low cost for insuring a number of pets.
Study extra: How does pet insurance coverage work? An entire information.
Professionals
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A limiteless annual protection choice is obtainable.
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Prices are under the typical in our evaluation.
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Preexisting situations are lined if the pet has had no signs or remedy for one yr.
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Behavioral remedy and various remedy are lined, together with hydrotherapy, acupuncture, physiotherapy, therapeutic laser remedy, and chiropractic.
Cons
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There is a six-month ready interval for canine orthopedic issues, however getting an orthopedic examination will scale back it to 14 days.
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You must purchase add-ons to get protection for vet examination charges and prescriptions.
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Prescription meals and dietary supplements usually are not lined.
Contemplate these important options when evaluating pet insurance coverage insurance policies.
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Annual most restrict decisions: $2,000, $5,000, $8,000, $10,000, $15,000, Limitless
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Deductible decisions: $100, $250, $500, $750, $1,000
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Reimbursement decisions: 70%, 80%, 90%
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For accident protection: Begins at 12:01 a.m. ET the day after you buy a coverage
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For sickness protection: 14 days
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Particular ready interval: six months for canine orthopedic situations, which might be decreased to 14 days with an orthopedic examination
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Minimal pet age: 6 weeks
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Most pet age: None
Embrace Pet Insurance coverage provides in depth protection beneath its accident and sickness plan. Listed here are highlights of the protection within the base insurance policies (with out add-ons).
Embrace accident and sickness coverage
The accident and sickness coverage covers the next situations (annual limits, reimbursement, and deductible differ based mostly on the protection you select):
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Hereditary and congenital situations reminiscent of cherry eye and Wobbler syndrome
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Diagnostics reminiscent of X-rays and ultrasounds
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Dental accidents and diseases
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Most cancers
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Behavioral remedy
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Different remedy
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Euthanasia when wanted for humane causes
The accident-only plan gives as much as $5,000 in reimbursement, has a $100 deductible, and covers accidents reminiscent of the next:
Embrace’s Wellness Rewards program is an non-compulsory add-on to its accident and sickness insurance policies that features very similar to a financial savings account for routine screenings bills and preventive pet care. It is not an insurance coverage coverage, so there aren’t any deductibles or copayments.
You possibly can select from three profit quantities: $300, $500, or $700 per yr. You possibly can entry the funds from day one, however total, some great benefits of utilizing this plan are minimal. Your month-to-month funds over the yr will equal the total profit quantity minus $25 that Wellness Rewards kicks in. You might discover that the $25 in financial savings isn’t definitely worth the paperwork, and unused funds don’t roll over on the finish of the plan yr. So in case you have $150 left on the finish of the yr, you lose that cash.
Embrace’s Wellness Rewards plan can be utilized for the next sorts of care and doesn’t have per-item limits:
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Routine wellness exams
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Vaccinations
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Blood and fecal assessments
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Spaying/neutering
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Microchipping
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Routine dental cleansing
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Grooming
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Flea, tick, and heartworm prevention
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Routine gland expression
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Different remedies, dietary dietary supplements, and prescription pet meals
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Coaching
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Cremation and burial
Study extra: Your information to what pet insurance coverage covers
Embrace doesn’t cowl preexisting situations. It defines a preexisting situation as “any harm, sickness, or abnormality seen by you or your veterinarian earlier than your coverage began, even when your pet by no means went to see the vet for it.” Nevertheless, in case your pet has a curable preexisting situation and stays symptom-free and treatment-free for a yr, Embrace will cowl the situation if it returns.
All Embrace insurance policies embody entry to a 24/7 pet helpline by accomplice PawSupport. PawSupport’s workers might help with making selections about your pet’s care, however can not diagnose situations or prescribe remedy.
Embrace insurance policies received’t cowl bills reminiscent of:
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Routine care
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Preexisting situations, besides curable situations which have had no signs or remedy for a yr
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Different remedies
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Beauty procedures reminiscent of tail docking and ear cropping
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Boarding
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Breeding and being pregnant
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DNA testing or cloning
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Organ transplants
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Pure dietary supplements and nutritional vitamins
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Harm or sickness from preventing, racing, cruelty, or neglect
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Will increase: You possibly can enhance your protection, reminiscent of growing the utmost restrict or decreasing your deductible quantity. However ready intervals and preexisting situation guidelines will reset, very similar to shopping for a brand new coverage.
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Decreases: You possibly can lower your protection at any time to decrease your premium by growing your deductible, reducing your annual most restrict, or reducing your reimbursement charge. There’s no reset of ready intervals if you happen to lower protection.
Embrace Pet Insurance coverage is competitively priced with common charges lower than common in our evaluation.
Embrace’s coverage with $5,000 in annual protection prices 7% lower than the typical in our analysis.
For limitless annual protection, Embrace Pet Insurance coverage prices 17% lower than the typical in our analysis.
Sure, Embrace provides a ten% low cost if you happen to insure multiple pet. That is comparable with different insurers’ multi-pet reductions, that are normally 5% or 10%.
No, you need to pay your vet after which submit a declare with Embrace. Nevertheless, if you happen to count on a big invoice, you possibly can strive asking for a particular association forward of time.
Study extra: Pet insurance coverage that pays the vet immediately: How does it work?
Right here’s what to find out about submitting claims with Embrace:
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To make a declare: It’s essential to submit an itemized bill in your pet’s vet go to and a accomplished declare type when submitting a declare by e-mail, fax, or mail. Reimbursements are paid by verify or direct deposit.
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To submit claims shortly: Log in by the MyEmbrace on-line buyer account, present the requested data, and add your bill. This technique doesn’t require submitting a declare type.
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To obtain reimbursements quicker: Enroll in direct deposit by your on-line buyer account to obtain reimbursements inside one to 2 enterprise days after a declare is processed.
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In case your declare is denied: You possibly can attraction the choice. The attraction course of shall be outlined in your coverage doc.
It’s essential to submit claims inside 60 days after the tip of your coverage’s time period.
Embrace processes accident and sickness claims inside 10 to fifteen enterprise days. It processes Wellness Rewards claims inside 5 enterprise days. Claims shall be delayed if you don’t submit all crucial data.
The extremely rated Embrace Pet Insurance coverage app makes it simple to handle your coverage. You possibly can verify your protection and see remaining limits, submit and examine claims, add pets, change protection, replace billing data, and ship messages to the claims crew.
Embrace cell app scores:
Study extra: The most effective pet insurance coverage firms 2025
Embrace Pet Insurance coverage is obtainable in all states.
The Embrace Wellness Rewards program gives reimbursement for vaccinations. You possibly can add the plan to an accident and sickness coverage.
Study extra: Does pet insurance coverage cowl vaccines?
Your pet should have been examined by a veterinarian throughout the 12 months earlier than enrolling in an Embrace coverage or throughout the first 14 days of the beginning of the coverage.
You possibly can contact Embrace by cellphone, fax, your on-line buyer account, or the Embrace cell app.
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You possibly can name Embrace at 1-855-540-2104 Monday by Friday (9 a.m. to eight p.m. ET) and Saturday (10 a.m. to 2 p.m. ET).
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The fax quantity is 1-800-238-1042.
You possibly can cancel an Embrace Pet Insurance coverage coverage at any time by calling 1-800-643-7578.
You possibly can obtain a full refund if you happen to cancel inside 30 days of your coverage begin date and haven’t submitted any claims. Should you cancel after 30 days of the beginning of your coverage or have submitted claims, you could be eligible for a prorated refund. Prorated refunds are calculated from the day after you cancel to the tip of your present billing cycle.
Amy Danise and Tim Manni edited this text.
We researched the protection particulars and costs for 15 pet insurance policy. We then weighted classes, and every pet insurer was scored relative to the others to search out the most effective pet insurance coverage firms. Listed here are the elements we included.
Protection sorts: 40% of rating. We examined the protection supplied by the bottom coverage with out the additional value of add-ons. This encompassed protection for various remedy, behavioral remedy, dental sickness, euthanasia or end-of-life bills, unique pets, hereditary and congenital situations, preexisting situations, prescription meals and dietary supplements, veterinary examination charges, and promoting/reward for misplaced/stolen pets.
Common value: 30% of rating. We evaluated prices in 5 states for $5,000 and limitless protection for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).
Limitless protection choice: 10% of rating. We gave factors when pet insurers provided an infinite annual restrict (or a $100,000 restrict), which supplies pet homeowners probably the most sturdy monetary safety doable within the occasion of a catastrophic pet medical difficulty.
Direct funds to the veterinarian: 5% of rating. We gave factors to pet insurers that state on their web sites that they accommodate direct vet funds.
No particular ready intervals for particular situations: 5% of rating. We gave factors when pet insurers haven’t any ready intervals for particular situations, reminiscent of cruciate ligament situations.
Routine wellness plan: 5% of rating. Corporations that provide a routine wellness plan along with pet insurance coverage acquired factors.
Multi-pet low cost: 5% of rating. We gave factors when pet insurers provided a reduction for insuring a number of pets.
