Embrace is one of the top accessible pet insurance providers. From customized pricing with five yearly deductible options to coverage for hip dysplasia, this pet insurance service might be an excellent alternative. Not only can pet insurance assist in covering the expense of accidents and diseases and swiftly link you to a veterinarian in an emergency, but it also shields you from having to pay high medical bills.
This article analyzes the company’s policies, cost, and availability to assist you in deciding if it is the best pet insurance provider for you and your pet.
List of Contents
Embrace Pet Insurance: Website
Embrace Pet Insurance is a Cleveland-based company underwritten by American Modern Insurance. The firm won the 2003 Wharton Business Plan Competition with a pet insurance proposal. In 2006, Embrace offered its first policy for pet insurance. Currently, Embrace provides insurance for pet owners around the nation.
Cost & Coverage
| Embrace Pet Insurance | |
| LendEDU rating | 4.9/5 |
| Benefit limits | $5,000, $8,000, $10,000, $15,000, $20,000 or $30,000 |
| Reimbursement amount | 65%, 70%, 80%, or 90% |
| Deductible | $200, $300, $500, $750, or $1,000 |
| Processing fee | $25 |
| Medical exam required? | Yes |
| Eligible pet age | 6 weeks – 14 years |
USAA and the North American Pet Health Insurance Association provide the pet insurance offered by Embrace.
Embrace Pet Insurance allows dog and cat owners to choose between accident-only and accident-and-disease policies and wellness incentives to cover necessary treatment. Company equips preexisting conditions and rewards healthy pets with a $50 annual discount on their deductible. Embrace is an excellent option for pet owners who wish to safeguard their animal’s health.
Coverage
Embrace provides accident and sickness coverage and an optional health rewards program. This coverage protects for:
- Genetic conditions
- Chronic conditions
- Breed-specific conditions
- Cancer treatment
- Specialist care
- Exam fees and diagnostic treatment
- Surgery (e.g. for a cruciate ligament tear)
- Mobility aids
- Prosthetic limbs and devices
- Alternative therapies, including chiropractic care
- Up to $1,000 per year in dental care
- Emergency room care
- Hospitalization
If you select an optional wellness rewards plan, you can get between $250 and $650 in annual coverage for any regular treatment your pet may require. Your Embrace wellness rewards package includes the following:
- Teeth cleaning
- Wellness exam fees
- Titer tests
- Vaccinations
- Flea, tick, and heartworm prevention
- Routine blood tests
- Microchipping
- Repair of an umbilical hernia
- Spay/neuter surgery
- Fecal tests
- A pet activity monitor
- Grooming, including nail trims
- Anal gland expression
- Nutritional supplements
- Cremation or burial
Under any of these Embrace insurance policies, you’ll receive up to 90 percent reimbursements for veterinarian treatment.
However, wellness plan claims do not go toward the deductible for your accident and illness plan, and your deductible and payment limitations may differ based on the coverage you choose.
Limited Coverage
The following issues are not covered by Embrace pet insurance:
- Surgical cosmetic techniques
- Pre-existing ailments
- Reproduction, pregnancy, and birth
- DNA analysis or cloning
- Stem cell treatment that is not medically required
- Injuries inflicted intentionally by you or a member of your household
- Influenza or nuclear war
- Injuries or diseases resulting from fighting, racing, brutality or neglect
Waiting Periods
Typically, pet insurance providers have a waiting period, during which your coverage is limited. Upon expiration of the waiting period, coverage will commence. Embrace, for instance, has a two-day waiting time for accidents and a fourteen-day waiting period for diseases.
Compared to other pet insurance, Petplan’s two-day waiting time for accidents is one of the lowest. However, the 14-day waiting period for sickness is normal for the business.
Also, Embrace has a waiting period of six months for orthopedic problems in dogs. Once an orthopedic assessment and waiver procedure is done, this waiting time can be cut down to 14 days. The orthopedic exam must be done within the first 14 days of insurance coverage. If you don’t send it in within the first 14 days, you’ll only have to wait until your dog’s orthopedic checkup.
Routine Wellness Plan
Embrace provides an optional Wellness Rewards program. This is not an insurance plan, but you may purchase a level of reimbursement for approved preventative care spending, which can save you money over a year.
Here is how it operates: You can choose between an annual refund of $250, $450, or $650. Afterward, you will be charged a monthly fee for the plan. For instance, a $250 reimbursement level costs $18.25 per month or $225 per year. This implies you can save up to $25 on preventative health care expenses.
The following products and services are reimbursable:
- Microchipping
- Wellness exam fees
- Vaccinations
- Nutritional supplements
- Flea, tick, and heartworm preventatives
- Spay/neuter surgery
- Grooming (including toenail trimming)
- Fecal and routine blood tests
- Routine anal gland expression
- Medicated shampoos
- Gastropexy
- Prescription diet food
- Preventative teeth cleaning
- Training
- Hip dysplasia exams, radiographs, or other OFA testing
- Reiki, massage therapy, and acupuncture
- Routine chiropractic care
- Cremation or burial
- Wearable pet activity monitors
Coverage Levels
Maximum annual limit
Annual coverage limit refers to the maximum amount of reimbursement that your insurance provider will pay in a particular year. Embrace has a single coverage limit:
- Unlimited
Deductible options
The deductible is the amount you must pay before your coverage begins to reimburse you for charges. The accident and illness plan offered by Embrace includes only one option:
- $100
Reimbursement options
When you pay upfront for a pet’s medical bills, you will then submit a claim for reimbursement for issues covered by your coverage. You may choose a reimbursement level based on the following:
- 70%
- 80%
- 90%
Cost
Costs for Embrace Pet Insurance vary according to your pet’s age, breed, kind of pet (dog or cat), and other considerations such as your location.
You may obtain an Embrace estimate online to determine the cost of insuring your dog or cat. The cost of Embrace Pet Insurance is impacted by the deductible you choose, the coverage limits you pick, and whether or not you want to include wellness care.
Application
Plans from Embrace Pet Insurance are available nationwide for dogs and cats.
Customer Service
Contact Embrace via telephone at 800-511-9172. Saturday hours are 9:00 a.m. to 1:00 p.m. ET.
Monday through Friday, 8:00 a.m. to 5:00 p.m. Eastern Time, online chat is also accessible. You can submit a message using the website’s Contact Us form if you require assistance outside business hours.
Customers generally have positive opinions about Embrace. It has a Consumer Advocate rating of 8.8/10, which is regarded as good, and an A+ rating with the Better Business Bureau.
Pros & Cons
Pros
✔ J.D. Power customer satisfaction scores are the highest.
✔ Excellent average NCQA plan rating
✔ Members have access to complimentary mental health resources.
Cons
✘ Plans are marketed in eight states and the District of Columbia.
✘ Limited plan types
Is Embrace Pet Insurance A Worth Insurance to Get?
The pet insurance plan from Embrace received the most excellent covered benefits score among the programs we analyzed. This plan includes coverage for veterinarian examination expenses and 24/7 pet health hotline access. If your veterinarian conducts an orthopedic exam after you acquire the range, the 6-month waiting period for orthopedic problems can be waived.
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