Is Embrace Pet Insurance Any Good? 2024 Review
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Most Canadians understand the importance of safeguarding their furry friends' health and well-being. One of the most common ways they ensure their protection is by embracing pet insurance. There are many options in the market, but Embrace pet insurance stands out as a reliable and comprehensive choice.
Not sure how? Read to find out as we explore the key features of Embrace's pet insurance, its coverage, pricing, optional riders, waiting period, age requirements and how it differs from other pet insurance providers. Let's dive into the world of Embrace and discover why it is — if at all — an excellent choice for Canadian pet owners.
Embrace Pet Insurance: 5 Key Takeaways
- Embrace offers extensive coverage for accidents, illnesses and hereditary conditions.
- It has flexible reimbursement options of up to 90%.
- You get personalized policies tailored to your pet's needs.
- The insurance provides coverage for alternative therapies and rehabilitation.
- The company has supportive and knowledgeable customer service.
Our 2024 review of Embrace pet insurance
In our assessment, Embrace pet insurance offers outstanding coverage for Canadian pet owners. Embrace’s comprehensive plans protect your pets against a wide range of accidents, illnesses and hereditary conditions.
What makes the company stand is its personalized policies that allow you to select coverage that aligns with your pet's specific needs. Not only this, the company offers reimbursement options of up to 90% to ensure that you receive substantial financial support during unexpected veterinary expenses. You can easily file a reimbursement claim with Embrace pet insurance by login into your personal account and following their process.
Embrace's insurance for pets stands out as a reliable and comprehensive choice for Canadian pet owners. With its extensive coverage options, personalized policies and great customer service, Embrace ensures that your beloved pets receive the best care when they need it the most. It’s a great choice overall. Rare enough to be mentionned, Embrace's pet insurance online ratings and reviews are very positive!
We have collated some pros and cons of Embrace's pet insurance to help you understand its policies better. Let’s take a look!
Pros of Embrace’s insurance for pets
- 30-day money-back guarantee.
- Free 24/7 pet health line.
- 10% multi-pet discount.
- Personalized policies.
Cons of Embrace's insurance for pets
- Premiums may be higher compared to some competitors.
- Certain conditions may have waiting periods before coverage kicks in.
Before you go through with Embrace pet insurance, make sure to compare the best offers on the market using our free comparison tool below:
Compare the best pet insurance plans on the market!
How does Embrace pet insurance differ from other pet insurances?
Embrace pet insurance differentiates itself from other providers through its extensive coverage options and personalized policies.
So, if we were to compare Healthy paws vs Embrace pet insurance, or Spot pet insurance, or Trupanion pet insurance, which would be the best? Let's see in the table below:
| Feature | Embrace pet insurance | Trupanion pet insurance | Healthy Paws pet insurance |
|---|---|---|---|
| Coverage for Hereditary Conditions | |||
| Alternative Therapies Coverage | |||
| Wellness Rewards Program | |||
| Deductible Options | Multiple | Single | Multiple |
| 24/7 Pet Telehealth |
Good to know
As seen in the table above, Embrace offers comprehensive coverage, including hereditary conditions and alternative therapies. Furthermore, it provides a wellness rewards program and offers multiple deductible options, giving you more flexibility compared to Trupanion and Healthy Paws.
What's Embrace pet insurance's coverage?
What Embrace pet insurance covers
Embrace covers a wide range of veterinary expenses. Their comprehensive policies typically include coverage for:
- Accidents and illnesses (Embrace accident and illness plan covers euthanasia as long as your vet recommends it for a covered condition).
- Hereditary conditions.
- Diagnostic testing.
- Surgery.
- Hospitalization.
- Many wonder, Embrace pet insurance does cover prescribed medications.
- Rehabilitation.
Moreover, Embrace is known for covering alternative therapies, such as acupuncture and chiropractic treatments. This level of coverage ensures that your pet's health is protected, regardless of the situation they face.
What Embrace pet insurance does not cover
While Embrace offers extensive coverage, there are a few exclusions to be aware of:
- Generally, pre-existing conditions are not covered.
- Routine wellness care, such as vaccinations, dental cleanings and spaying/neutering, is not included in their standard policies.
However, Embrace offers a separate wellness rewards program that can be added to your policy to cover these routine care expenses.
Embrace pet insurance's optional riders
Yes, Embrace provides optional riders for its pet insurance to enhance your policy's coverage.
These riders include wellness rewards, which cover routine wellness care expenses and diminishing deductibles, which reduce your deductible amount over time if you remain claim-free.
What is Embrace pet insurance's cost?
Embrace's pet insurance offers competitive pricing based on various factors, including your pet's breed, age and location. Here is an example of the annual premium range for different dog breeds:
| Dog breed | Average pet insurance cost per month |
|---|---|
| Chihuahua | $31 |
| French bulldog | $95 |
| German shepherd | $62 |
| Golden retriever | $62 |
| Goldendoodle | $45 |
| Mixed breed (large) | $48 |
| Mixed breed (medium) | $41 |
| Mixed breed (small) | $36 |
| Shih Tzu | $43 |
| Yorkshire terrier | $36 |
Embrace's premiums for cat insurance
For cats, the annual premium typically ranges from $250 to $450. Keep in mind that these figures are approximate and may vary based on individual factors.
How does Embrace pet insurance work?
Embrace pet insurance has a simple and efficient process. Embrace covers a wide range of accidents, illnesses, and chronic conditions. Here is a step-by-step illustration of how Embrace pet insurance works in Canada:
- Choose a plan: You can choose from a variety of plans, depending on your pet's needs and budget.
- Pay your premium: You will pay a monthly premium for your plan.
- File a claim: File a claim online or through the Embrace app if your pet gets sick or injured.
- Provide documentation: Keep documentation of your pet's illness or injury, such as a veterinarian's bill, handy since you’ll need it.
- Receive reimbursement: You will receive reimbursement for the covered expenses as soon as your claim is approved.
While applying for reimbursement, keep the waiting period, deductible, and maximum annual limit on the amount of reimbursement you can receive in mind. The maximum annual limit varies depending on the plan you choose.
How to get or cancel Embrace pet insurance?
To obtain Embrace pet insurance, you can:
- Visit their website at www.embracepetinsurance.ca.
- Contact their customer service at 1-800-511-9172.
They will guide you through the enrollment process and help you select the best policy for your furry companion.
If you decide to cancel your policy, you can contact Embrace's customer service team to initiate the cancellation process.
Embrace pet insurance's waiting period
Embrace has a waiting period of 14 days for illnesses and 48 hours for accidents. This means that coverage for illnesses will begin 14 days after the policy's effective date, while accidents will be covered after a 48-hour waiting period.
Good to know
When it comes to pet insurance, Embrace has no upper age limit for enrollment. However, the minimum age for enrollment is six weeks for cats and puppies and eight weeks for dogs.
How to contact Embrace pet insurance?
You can contact the insurer using the information below:
- Embrace's phone number: +18889259466 (Monday to Friday 9am to 8pm EST and Saturday 10 am to 4pm EST).
- Mailing address: P.O. Box 22188 | Beachwood, OH 44122-0188.
- Email adress for claims: [email protected]
- Email adress for service questions: [email protected]
