Embrace

Features and Coverage

Embrace offers a single accident and illness policy that is built to be customized. Coverage includes essentials like diagnostic testing, hospitalization, surgeries, prescription medications, and chronic conditions. Embrace stands out in the extras: coverage extends to alternative therapies such as acupuncture and hydrotherapy, as well as behavioral treatments and dental illnesses. There’s also no requirement to use in-network vets—any licensed veterinarian in the US is covered.

The Healthy Pet Deductible is a unique feature. Every year you don’t file a claim, your deductible automatically goes down by $50, helping reduce out-of-pocket costs over time. Pet owners can also opt into the Wellness Rewards program, which reimburses for preventive care like routine checkups, grooming, dental cleanings, and even training sessions.

Policy settings are flexible. Users can choose their annual limit, reimbursement percentage, and deductible to shape their monthly premium. This allows pet owners to balance cost with coverage based on their pet’s age, breed, and health history.

Ease of Use

Embrace has built a strong user experience around its website and mobile app. Getting a quote takes just a few minutes and gives you clear options to adjust coverage levels. Once enrolled, the MyEmbrace portal allows you to manage your policy, track claims, and update billing or pet details without much hassle.

The app supports digital claim filing through photo uploads and tracks the status of each submission. It’s a practical setup for pet owners who want to handle everything online without making phone calls or digging through paperwork. Overall, most users find the experience simple and well-organized.

Claims Process

Claims are filed easily through the app or online portal. Once submitted, processing typically takes around 10 to 15 business days. While that’s fairly standard in the industry, it’s not fast, and some users have reported longer wait times or follow-up requests for additional documentation.

On the plus side, reimbursements are generally consistent with what’s expected, and Embrace provides a clear explanation of benefits. You can choose to receive payment via direct deposit or a mailed check. The process isn’t the fastest, but it’s reliable and transparent once you’re familiar with it.