Embrace Review

Embrace pet insurance takes the guesswork out of protecting your pet. Your pet is family and no matter what happens you want to be there for them. In an emergency, the last thing you should worry about is finances, so Embrace Pet Insurance works hard to cover costs while you focus on what's important. Rated A+ by the Better Business Bureau, Embrace is a comprehensive insurance plan designed with your pet in mind. With its personalized policies, you can decide what's right for you and your family while your pet receives some of the best coverage on the market. 

Ready to see what Embrace has to offer? Get started with a free, online quote that gets your pet covered in a few business days. 

Diminishing Deductible

Embrace offers an innovative way to help pet owners save money by creating the Healthy Pet Deductible. For each year you go without an accident or illness claim payment, you'll receive a $50 reduction on your deductible at no extra cost. As an incentive to keep your cat or dog happy and healthy, Embrace is providing this unique initiative as a way to motivate owners to make responsible decisions in the health of their pets. 

Thoughtful Coverage

While some pet insurance companies refuse to cover breed-specific conditions, chronic ailments, and other common illnesses, Embrace offers total protection for your dog or cat. Not all conditions are covered, but rather than indiscriminately dispute all pre-existing conditions, Embrace fairly evaluates pre-existing conditions to determine what they can and cannot help with. 

Wellness Rewards

To promote preventative care with your pet, Embrace offers an optional Wellness Rewards Plan that reimburses for services such as wellness exams, training, grooming, vaccines, and more. Just choose your allowance per year that you'd like to put towards your reimbursement amounts — that money serves as a budgetary tool that you can put towards proactive treatment for your pet. 

The Claims Process

When you think of insurance, you imagine a long, drawn-out process involving insurance agents, networks, and complicated policies. Embrace takes the complexities out of insurance policies, breaking down the claims process into three easy steps: 

1. Take your pet to any vet, specialist, or emergency room. 

2. Provide an itemized invoice. We no longer require a claim form when submitting a claim online through our customer portal or in our app.

3. Get reimbursed for the money spent on medical bills. 

While you're in the middle of a critical situation, you shouldn't spend time checking to see which office is in your insurance network. Because of Embrace's easy set-up, you don't have to think about insurance and policies after an accident. 

Compare Coverage

Embrace is designed with pets and pet owners in mind, even setting up their website in a way that allows you to compare their coverage with competitors. You can easily review the coverage details of your Embrace plan, and from there, you can decide whether or not Embrace is right for you. Embrace personalizes your plan based on your pet's history and the type of coverage you're looking for.

If you're ready to stop worrying about what you'd do financially in an emergency situation with your dog or cat, you can start looking into Embrace's full-coverage policies with a free online quote. To receive an initial quote from Embrace, you will first answer their simple questionnaire requesting breed, age, and location of your pet. From there, you can fully customize each of your pet’s individual policy parameters (deductible, annual maximum, and reimbursement percentage). This will allow you to personalize your pet’s insurance to fit both your budget and your pets needs.

Get started today in no time with a quick, easy online quote to see how pet insurance fits into your monthly budget.  

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc. + Wellness Rewards not available in Rhode Island.