Reviewed by: André Spiteri
Embrace has an A+ customer satisfaction rating. Their extensive health plan includes wide-ranging cover for congenital conditions, making them ideal if your pet is at risk of hereditary problems. They’re also committed to giving back to the community through multiple programs.
Embrace has only one standard plan, which covers both accident and illness. You can customize the plan to your liking by selecting your preferred annual deductible, reimbursement percentage and annual maximum payout.
Cover is extremely wide-ranging. Besides diagnostic procedures, surgery and hospitalization, it also includes rehabilitation. Unusually, you’ll also get full cover for congenital conditions. This makes them ideal if your pet is at risk of problems due to breed-specific traits.
Embrace’s pet insurance policy has an annual deductible. You can choose from $100, $200, $300, $500, $750 and $1000.
Payouts are a percentage of your total bill - 70%, 80% or 90%, depending on your choice - but are subject to a maximum annual limit. The maximum annual limit is also customizable. The lowest annual limit is $5000 whilst the highest annual limit is $15,000.
Embrace isn’t the cheapest around, but given the extent of cover you get, it’s surprisingly affordable. You can get a plan for as little as $13 a month if you choose a $750 deductible, $5000 annual limit and 70% reimbursement option.
You can also benefit from various discounts. You get an extra 5% off if your pet is spayed or neutered, as well as $50 off your deductible for each year you don’t make claims. There are also additional discounts to be had if you pay a year’s worth of insurance up front, if you’re a veteran and if you insure more than one pet.
Embrace does not insure pets older than 14, however Pets older than 14 are still eligible for coverage via their accident-only policy.
Given that the average lifespan of dogs is 13, while cats live about 15 years, this is a more than reasonable cutoff period. In any case, cover is locked in for the lifespan of your pet. Unless you let your policy lapse, your pet is covered for life.
Unfortunately, some of Embrace’s policy conditions aren’t that straightforward.
Embrace won’t cover pre-existing conditions, dental, anything related to pregnancy and injury or illness caused by abuse or neglect. The latter exclusion is quite broad, and could extend to accident or injury in circumstances that are out of your control. Injuries caused by another pet, for example, aren’t covered.
Certain conditions will no longer be classified as pre-existing if they don’t recur for 12 months after your pet is insured. Unfortunately, however, certain conditions*, including ligament tears, are considered incurable and will be considered pre-existing for the whole length of the policy. It seems that even ligament tears to a previously unaffected limb would be considered pre-existing, which is a bummer.
*Embrace coverage has been updated so that only the type of cancer the pet was previously diagnosed with is excluded, however other types of cancer can be covered.
Embrace has an extremely comprehensive offering at surprisingly affordable rates. Their unlimited cover for congenital conditions makes them a great choice for pets at risk of breed-specific problems. You should however beware of their overly broad exclusions.
Wellness and prescription medications are only available as additional extras, which means you’ll have to pay for them separately.
Last Updated: October 2017
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