Buying pet insurance policy can be a great way to protect the furry members of your family while also protecting your wallet.
But while there are several pet insurance companies available today, they're not all created equal. Some providers only have one-size-fits-all plans that offer little to no flexibility.
Are you looking for pet health insurance that gives you options in choosing your deductible, your wellness coverage, reimbursement amount, annual coverage limits, and more? If so, you might want to consider Embrace Pet Insurance.
Embrace is a pet insurance company that offers a wide range of pet insurance options to give pet owners peace of mind for their pets. Here’s what you need to know about Embrace Pet Insurance to decide if it's the right pet insurance provider for you.
- Covers illnesses, accidents, and some wellness care costs
- Annual coverage limit of $5k to $30k for dogs and cats
- Multi-pet discount for policies with two or more pets
Embrace Pet Insurance Details
Embrace Pet Insurance
Annual Coverage Limits
$5,000 to $30,000
70% to 90%
$200, $300, $500, $750 or $1000
10% multi-pet discount
Who Is Embrace Pet Insurance?
Embrace Pet Insurance is a pet health insurance company that offers a comprehensive product designed to cover dog or cat accidents and illnesses.
It operates a bit like human health insurance. When a pet is sick or suffers from an accident, a pet owner can take the pet to any veterinarian. The pet owner pays as they normally would, but submits a claim through Embrace’s online portal. Embrace then reimburses pet owners for a percentage of the covered costs.
Pet owners will be responsible for paying monthly premiums, covering the cost of an annual deductible, and paying for a portion of the veterinary bills. But Embrace can take over the rest of the costs when a claim is submitted for covered conditions.
What Does It Cover?
Embrace Pet Insurance covers all pets up to age 14. After age 14, Embrace offers accident only coverage to cover unexpected accidents that may trip up your older pets. Under health insurance, it covers most major health problems including:
- Behavioral Issues
- Prosthetics and mobility devices.
- Surgery and specialized care
- Cancers and growths
- Hip dysplasia
- Swallowed objects
- Dental or gum diseases up to $1,000 per year
- Urinary Tract Infections
- Exam fees for emergency consultations
- Knee surgery for ACL repairs
- And quite a bit more.
Embrace also offers a “wellness plan” which allows pet owners to set money aside for preventative care activities such as vaccines, annual visits, grooming, tick or flea medication, and other ongoing pet ownership costs. Embrace reimburses pet owners for wellness claims submitted. And by participating in the wellness plan, you get a $25 discount on your annual premiums.
Related: Can You Actually Afford A Pet?
What Doesn't It Cover?
There are a few costs that Embrace Pet Insurance doesn’t cover. Most routine vet care isn’t covered by an Embrace insurance plan (unless you buy the wellness plan with it). Additionally, breeding or pregnancy costs and cosmetic procedures aren't eligible for coverage. A few other edge cases (such as Avian flu or Nuclear war) aren’t covered by Embrace, but they are few and far between.
The real concern for most pet owners will be how Embrace defines pre-existing conditions, which it doesn’t cover. Any condition that is discovered before the end of a 14-day waiting period is considered a pre-existing condition, even if your pet has never received treatment related to it. And the waiting period could actually be 6 months for some orthopedic conditions.
This can include problems associated with a dog’s behavior. For example, a dog that eats rocks couldn’t have a rock removal surgery until it stops eating rocks for at least 12 months. And pre-existing conditions that have been defined as having a "temporary exclusion" can only become eligible for coverage again after 12 months of being symptom-free.
Will I Have A Deductible?
With Embrace, you can choose a deductible of $200, $300, $500, $750 or $1000 per year. The higher your deductible, the lower your premium costs, all other factors being equal.
Embrace also has a “healthy pet” deductible deduction. Each year that your pet has a no-claims year, your deductible will fall by $50 the next year you make a claim. For example, after 3 years of no claims, you deductible falls by $150.
What Is The Reimbursement Percentage?
As the pet owner, you are responsible for sharing costs beyond the deductible. Embrace allows policy holders to select reimbursement percentages ranging from 70-90%.
That means Embrace will reimburse policyholders up to 90% of covered costs, up to an annual maximum. Choosing a higher reimbursement percentage means that you’ll pay higher premiums each month.
Are There Coverage Limits?
Embrace Pet Insurance offers annual limits ranging from $5,000 to $30,000. They don't include lifetime payout limits on any of their plans.
The $30,000 annual maximum is higher than some competitors offer, but they don't offer any unlimited annual coverage plans. And keep in mind that choosing a higher annual coverage limit will increase the cost of your monthly premium.
Is Embrace Pet Insurance Right For You?
Embrace Pet Insurance offers pet owners a lot of flexibility with its wide range of deductibles, reimbursement percentages, and annual maximums. The wellness plan also makes it easy to budget in irregular pet ownership costs like heartworm medicine, poop tests, and vaccines.
The one drawback to Embrace is how it treats pre-existing conditions. Pet owners who have pets who struggle with behavioral issues or who have previous medical conditions may not find the right kind of coverage through Embrace.
As with all types of insurance, be sure to shop around by comparing Embrace's pricing and plans with other pet insurance companies. A few top pet insurance providers worth checking out include Pumpkin, PetFirst, Healthy Paws, and Nationwide.
Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc. + Wellness Rewards not available in Rhode Island.
Embrace Pet Insurance Features
Annual Coverage Limits
$5,000 to $30,000
70% to 90%
Preventative Care Coverage
Required adding a "wellness plan" to your policy
Visit Embrace's website to view a full list of covered conditions.
Yes, 10% off for two or more pets
Upper Age Limits
Yes, accident-only coverage for pets over 14 years of age
Customer Service Number
Customer Service Hours
8:30 am-8 pm, Mon-Fri (EST)
9 am-1 pm, Sat (EST)
Customer Service Email
Mobile App Availability
iOS and Android
10% multi-pet discount for policies with two or more pets
Embrace Pet Insurance Review
- Reimbursement Rate
- Annual Limits
- Coverage Benefits
Embrace Pet Insurance is a company that offers a comprehensive insurance product designed to cover illnesses or accidents for dogs and cats.
- Multiple deductible options
- Up to 90% reimbursement of covered costs
- No breed restrictions
- Optional wellness plan covers vaccines, annual visits, and more
- Accident-only coverage for pets over age 14.
- No unlimited annual coverage plans offered
Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. You can learn more about him on the About Page, or on his personal site RobertFarrington.com.
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