Thousands of pet owners feel the warmth and safety provided by Embrace Pet Insurance, whose comprehensive coverage, customizable features, and diminishing deductible reassures owners that their dog or cat’s veterinary needs can always be met.
Embrace Pet Insurance has been protecting pets since 2006 and considers every policy-holding pet and owner a family member. Since families always have each other’s back, Embrace policies are backed and underwritten by the American Modern Insurance Agency, a distinguished international insurance company.
Customizable Plans to Fit Your Budget
Unlike other pet insurance providers with fixed rates and premiums, Embrace allows pet owners to select from five options for their annual reimbursement limit and annual deductible, and three options for reimbursement—up to 90% back on approved claims. By mixing and matching these options, pet owners can access top-level pet care that fits their personal budget.
Embrace provides additional pet owner support with a generous 10 percent multi-pet discount, and an exclusive diminishing Healthy Pet Deductible—for every year without a claim, your pet’s deductible is lowered by $50.
Access and Eligibility
Embrace lives up to its name as an inclusive and welcoming pet insurance plan, with no breed restrictions. Most pets with Embrace are protected by their accident and illness policy, which covers dogs and cats from 6 weeks to 15 years of age. Because of the many age-related illnesses, newly enrolled pets 15 years and older are eligible only for the accident-only policy.
Embrace requires a veterinary exam in the 12 months prior to enrollment, or 14 days after establishing the pet’s policy, plus any available medical history for the previous 12 months.
Embrace’s coverage has one downside: lengthy waiting periods. While accident coverage begins sooner than most other companies—after only two days—illness expenses are not covered for 14 days, and a six-month waiting period is required for canine orthopedic coverage, although, with a veterinary orthopedic exam and waiver, the waiting period can be reduced to 14 days.
Customize Your Pet’s Coverage
The Embrace accident and illness policy is so comprehensive that no additional riders or illness add-ons are necessary for complete coverage. Embrace offers only two policies and one add-on wellness package:
- Accident and illness — Includes emergencies and non-pre-existing major medical and chronic conditions
- Accident-only — Includes basic coverage for emergencies, with a fixed reimbursement of 90%, a $5,000 limit, and a $100 deductible
- Wellness Rewards program — Wellness Rewards is a flexible preventive care program that is offered with the accident and illness plan, and reimburses wellness services and training costs, and pet care up to $650 annually.
Ready for Anything with Embrace
Embrace boasts a nose-to-tail accident and illness policy. Unlike some competitors, Embrace covers exam and consultation fees, all new forms of cancer, hereditary and congenital conditions, behavior therapy, complementary treatments, and dental services up to $1,000 per year. This coverage is in addition to the expected protection for emergency and specialty medicine, surgery, hospitalization, diagnostics, medication, and orthopedic injury. Chronic and preventable conditions are also covered, with no per-condition payout limits.
The Short List: Plan Exclusions
Like any pet insurance company, Embrace does not cover pre-existing conditions. However, if your pet’s condition is considered “curable,” they need no treatment, and are symptom-free for 12 months, Embrace may reinstate their coverage. Embrace policies never cover the following:
- DNA testing
- Bilateral orthopedic conditions (e.g., hip dysplasia, cranial cruciate ligament rupture), if one side was diagnosed prior to enrollment
- Breeding costs
- Cosmetic procedures (e.g., cropping, docking)
- Routine veterinary care, unless part of Wellness Rewards
Stress-Free Claim Filing, Reimbursement, and Customer Support
Embrace makes filing your pet’s claim hassle-free with their MyEmbrace App. Simply upload your invoice and your pet’s diagnosis, submit your claim, and check its status anytime. Claims are reviewed in 10 to 15 days, and you are reimbursed by direct deposit or check.
For customer support, Embrace offers multiple contact methods, including their exclusive 24/7 PawSupport Helpline for real-time assistance with emergencies, pet care, and guidance.
Find Reliable Protection in an Embrace Policy
Embrace is a solid choice for customizable and comprehensive pet health insurance. Pet owners are consistently pleased with the care they and their pets receive, including this owner: “[W]e feel as though they are a part of our family. They are always there when we need them, and I recommend them to anyone who has a pet.”
Information as of 6/30/22