Here is how the quotes compare among the three companies:Īs for how Embrace compares to the other two companies, it’s less expensive than Figo in Florida and California and more expensive in Texas.
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Figo Pet Insurance: unlimited annual benefit – $250 annual deductible.Embrace Pet Insurance: $30,000 annual benefit and $200 annual deductible.We also set all plans to an 80 percent reimbursement. We also kept the deductible in the $200-250 range, as selections in each state would allow. To keep price quotes as even as possible, we also selected the option with the highest annual benefit possible, so $30,000 for Embrace and unlimited for Figo and Healthy Paws. We also compared three locations: Texas, Florida, and California, small/medium and big dogs, and between a 1-year-old dog and a 5-year-old dog. To compare prices, we also gathered 12 quotes each from the other two reputable pet insurance companies Figo Pet Insurance and Healthy Paws Pet Insurance & Foundation. >MORE: How Much Does Pet Insurance Cost? How Embrace Quotes Compare with Other Pet Insurance Companies: Prices in Florida tend to be the least expensive, with Texas being the most expensive location. However, prices do jump a notable amount per month between the 1-year-old and 5-year-old dogs, going up as much as around $20 per month. Also, we compared between Labrador Retrievers, representing small/medium dog size, and German Shepherds, representing big dog size, and we compared between a 1-year-old dog and a 5-year-old dog. All quotes have $30,000 annual benefit and $200 annual deductible.Įmbrace prices don’t shift too drastically between breed, if they change at all. We gathered 12 quotes each from Embrace Pet Insurance and compared three locations: Texas, Florida, and California. ConsumerAffiars states it is consistently highly rated and the company is a member of the North American Pet Health Insurance Association. It currently has a three-and-a-half-star rating with reviewers at that site. They rate it high for customer satisfaction and more comprehensive coverage for treatments like behavior therapy and prosthetics.Įmbrace is a ConsumerAffairs accredited brand. Many complaints center around the coverage being denied due to pre-existing conditions.Ĭonsumers Advocate rates Embrace Pet Insurance with a 4.4/5 (Excellent) rating. However, it has a little over a one-star rating in consumer reviews through the BBB. Everything operates under one plan.Įmbrace Pet Insurance currently has an A+ rating with the Better Business Bureau (BBB). Outside of the optional wellness rewards plan, you cannot customize the care you want covered based on tiered plans.The company does not have an unlimited annual benefit option.Learn more about Pet Insurance with no waiting period. Embrace Pet Insurance has a fairly involved waiting period: 48 hours for accidents, 14 days for illnesses, and six months for orthopedic conditions.If your pet is treatment or symptom-free for 12 consecutive months, you may be able to get coverage. Embrace differentiates between curable and incurable conditions as it relates to pre-existing conditions.
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Plans are easily customizable in terms of annual benefits, deductibles and reimbursement levels.Though the MyEmbrace system and mobile app, you can manage your policies any time of the day, any day of the week. Embrace offers a flexible wellness rewards plan as an optional add-on.Covers both accidents and illnesses (many plans only handle accidents).The company also matches 100 percent of employee charitable donations.Įmbrace pet insurance policies are underwritten by American Modern Insurance Group. For every policy it sells, it gives $2 to a pet-related charity.
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The company also prides itself on giving back. In 2012, it partnered with American Modern Insurance Group. How Easy to Get a Quote from Embrace Pet InsuranceĮmbrace got its start in 2003 as the Wharton Business Plan Competition winner and sold its first policy in October of 2006.How Embrace Quotes Compare with Other Pet Insurance Companies.
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Is this company all it’s cracked up to be, or is it just good marketing? Below we’ll take a look at Embrace’s background, some pros and cons, how its price quotes compare with other companies and the process of getting a quote. When you search for pet insurance, Embrace Pet Insurance is one of the first companies that pops up at the top of the search engine results.