Knowing more about Embrace Pet Insurance, and be convinced that this is exactly what your beloved pet needs. After all, our pets deserve all the care and love they deserve just like how they love and care for us in return.
We assume that the fact that you are here today is that you own a pet. What kind of pet do you have and how long have you been together?
You see, more and more insurance companies that particularly caters to pets are coming out these days, and one of them is the more popular, Embrace Pet Insurance.
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It’s amazing that in a pile of pet insurances, there are actually a lot of companies and policies to choose from. However, as we have said, one name seems to stand out from the rest, and that is precisely what we are going to talk about today.
So, having said that, if you are a pet owner trying to find the best pet insurance for your buddy, we are going to look into details of what the Embrace Pet Insurance has to offer. In particular, we are going to answer some of the most common questions of pet owners regarding this specific pet insurance provider. The questions include:
- What is Embrace Pet Insurance?
- What are the key features of Embrace Pet Insurance?
- What does Embrace Pet Insurance cover?
- What are available Embrace Pet Insurance policies and discounts?
- What are the pros and cons of getting an Embrace Pet Insurance?
- What our customers have to say about Embrace Pet Insurance?
If you are ready, then, let’s begin digging deeper into this very interesting insurance policy.
WHAT IS EMBRACE PET INSURANCE?
Embrace Pet Insurance was established in 2003 by Laura Bennett and Alex Krooglik. As the name suggests, it is a pet health insurance provider that offers various types of comprehensive and personalized or customizable insurance products for cats and dogs across the United States.
Embrace Pet Insurance provides health insurance for all dog ages. So, whether you have a puppy, an adult dog, or a senior dog, rest assured that he or she can get covered. The same goes for your lovely cats.
In 2006, Embrace Pet Insurance hit a milestone when it was able to sell its very first pet insurance policy. Since then, the business grows and today, it has become one of the household names when it comes to pet insurance.
Embrace’s pet health insurance plans are guaranteed by American Modern Home Insurance Company (AM Best rating of A+ as of November 2012) and American Southern Home Insurance Company in Florida (AM Best rating of A+ as of November 2012).
If you are interested to learn more how pet insurance works, particularly what Embrace has to offer, we suggest you check this video to know more:
WHAT ARE THE KEY FEATURES OF EMBRACE PET INSURANCE?
We saw a lot of good things about Embrace Pet Insurance, and in fact, here are some of the key features we found:
- As mentioned, it is underwritten by the American Modern Insurance Group. It is given an A+ A.M. Best rating.
- The pet health insurance provider requires a veterinary exam of your pet dog or cat within the last 12 months before the policy start date or 14 days after the policy start date.
- Embrace offers a Medical History Review during the enrolment process. This is a full insurance assessment of the health history of your pet. Thus, you can be confident in your pet’s coverage, which limits coverage uncertainty.
- Pre-existing conditions as defined by Embrace are as follows:
- Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
- An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
- Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
- If in case your pet has a pre-existing bilateral condition prior to enrolment of pet health insurance, they are believed to have a higher risk to have the same kind of situation on the other side of their body. More so, future occurrences of the same condition will not be covered by insurance.
- Submission of claims must be done within 60 days before the renewal to the next term.
- Reimbursement claims should be done within 24 hours of processing. Embrace processes 95% of claims within the five (5) working days and 40% within 2 business days. The pet insurance provider also follows a “deductible then co-pay” reimbursement model (vs most other companies that use “co-pay then deductible”), which allows you to really save a lot.
- Prescription drug coverage for take-home medications are available with any policy (however, in some states, this may be an optional add-on).
- Embrace offers a 30-day free look period, which is quite similar to a money-back guarantee.
- You may send your claim forms via email, fax, or by uploading it to MyEmbrace and get paid through check or direct deposit.
- Allstate, American Family, Geico, and USAA sell Embrace Pet Insurance.
- Embrace does have a 24/7 PawSupport Pet Health Line that allows you to talk to a pet professional day or night through live chat, video or phone.
- Embrace customer service support team is available via live chat from Mondays through Fridays at 8:30 in the morning until 5 in the afternoon. Meanwhile, Embrace’s contact center is available Monday to Friday, at 8:30 in the morning until 8 in the evening, and on Saturday from 9 in the morning until 1 in the afternoon.
- Your pet’s yearly deductible goes down to $50 every year you do not receive a claim reimbursement.
WHAT DOES THE EMBRACE PET INSURANCE COVER?
Just like any other health insurance, the Embrace Pet Insurance does have a list of items covered and not covered.
Here’s a list of Embrace Pet Insurance coverage:
– Dental Coverage
According to its website, Embrace’s dental insurance cover treatment related to new dental accidents and illnesses that affect the teeth and/or gums. Coverage includes, but is not limited to the following:
- Broken, chipped, & fractured teeth
- Extractions
- Gingivitis
- Root canals & crowns
- Stomatitis
- Periodontal disease
As with dental accidents, they are covered up to your policy limit, and in most states, dental illness is covered for up to $1,000 per policy year.
– Emergency and Specialty Veterinary Care Coverage
It’s amazing how veterinary care has advanced over the years. Today, just like human medicine, veterinary care also includes emergency rooms, urgent care, as well as veterinary specialists.
Embrace Pet Insurance covers emergency care needs, as well as specialty pet care anywhere you go, which is really helpful so you do not have to worry about anything especially unexpected illness and accident.
When it comes to veterinary specialists, there are many types of specialists out there. With Embrace Pet Insurance, your beloved pet is covered for the following:
- Emergency & urgent care hospitals
- Orthopedic specialists
- Oncologists
- Ophthalmologists
- Radiologists
- Internal medicine experts
- Rehabilitation, physical therapy, & hydrotherapy facilities
- And many more
– Breed-Specific and Genetic Conditions
The Embrace Pet Insurance includes coverage for breed-specific as well as genetic conditions per policy without additional cost.
A hereditary and genetic condition that is covered by Embrace Pet Insurance includes the following:
- Hip dysplasia
- Elbow dysplasia
- Patellar luxation
- Intervertebral disc disease (IVDD)
- Cancer
- Allergies
As with congenital condition, which is an issue that a cat or a dog is born with, here are some that are covered by the pet insurance:
- Hernia
- Portosystemic shunt
- Hypothyroidism
– Alternative Therapy
Embrace’s alternative therapy for pets is one of the best ways to treat or manage certain conditions before, after, and in other cases, instead of going through surgery. This coverage is included in the Pet Insurance policy without added cost.
Alternative therapies, which are non-invasive treatments to help manage certain conditions include the following:
- Acupuncture
- Chiropractic
- Hydrotherapy
- Physiotherapy
- Therapeutic laser treatment
Each of the above treatments has its respective coverage too. The full list can be viewed on their website.
– Cancer Treatment
Embrace Pet Insurance policy covers the following cancer treatments of your pet:
- Consultation/exam fees
- Diagnostics & testing
- Radiation therapy
- Chemotherapy
- Surgery & hospitalization
- Rehabilitation
- Alternative therapies
- Follow-up care
Apart from the aforementioned pert insurance coverage, Embrace Pet Insurance, also covers the following:
– Prescription Drug
– Surgery
– Accident Plan
– Catastrophic Pet Insurance
– Pre-Existing Conditions
Apart from these, you will also automatically avail the following:
– Healthy Pet Deductible – This automatically reduces your pet’s annual deductible by $50 per year that you do not receive a claim.
– Waiting Periods – Embrace define this as “a short period of time at the beginning of the policy when coverage is restricted”.
Meanwhile, Embrace does not cover the following conditions:
– Avian Flu or Nuclear War
– Breeding, whelping and pregnancy
– Injury caused deliberately by you or any other person residing in your home
– Injury or illness resulting from fighting, racing, cruelty or neglect
– Cosmetic procedures LIKE tail docking, ear cropping or dewclaw removal unless medically necessary
– DNA testing or cloning
– Stem cell therapy not deemed medically necessary
WHAT ARE AVAILABLE EMBRACE PET INSURANCE POLICY AND DISCOUNTS?
Embrace has one standard plan with amazing veterinary benefits, with different coverage levels that you can choose from depending on your pet’s needs, as well as budget constraints.
Regardless of your location, there are multiple levels of annual deductibles (which amounts to $200, $300, $500, $750 and $1,000) and reimbursement (70%, 80%, and 90%) for you to choose from.
For your reference, see below table:
| Annual Maximum | Availability |
| $5,000 | All purchasers |
| $8,000 | All purchasers |
| $10,000 | All purchasers |
| $15,000 | All purchasers |
| $30,000 | All states except New York |
| $5,000 | All purchasers |
| Unlimited | Available in most states through enrollment over-the-phone |
Embrace also offers discounts and promotions, which you can check in the table below:
| Discount Type | Discount Amount |
| Spay & Neuter | 5% (only available in NY): Embrace gives pet parents discounts when a covered pet has been spayed or neutered |
| Multiple Pets Insured | 10% in most states (5% in NY): Applied to each pet when multiple pets are covered on a policy |
| Active Military | 5%: Active military and their spouses or partners |
| Annual Payment | 5% (only available in NY): for lump sum payments |
| Multiple Pets Insured | 10% in most states (5% in NY): Applied to each pet when multiple pets are covered on a policy |
| Active Military | 5%: Active military and their spouses or partners |
WHAT ARE THE PROS AND CONS OF GETTING AN EMBRACE PET INSURANCE?
Just like any other reviews we made, allow us to share with you the pros and cons we found on the Embrace Pet Insurance.
Pros
– Healthy Pet Deductible. We like this feature, which we think is new and unique to Embrace. This will help you save a lot especially if your pet dog or cat is not the sickly type.
– We appreciate the fact that Embrace covers any treatment plan that your veterinarian suggests. For as long as your vet says it is needed for your pet’s overall health, Embrace will likely reimburse you for it. This includes nursing, surgery doctor, lab tests, diagnostics, hospital care, rehabilitation, or follow-up care.
– Based on customer reviews, Embrace’s customer service is at its best. Calls of pet owners are handled knowledgeably.
– Embrace has no lifetime limit.
– Embrace does not have a per-incident limit on its claims as the company uses a yearly deductible method of accounting.
– They offer optional Wellness Rewards.
– Embrace has an A+ BBB rating.
– Claims are paid within 5 to 15 working days.
– They offer up to a 10-% maximum discount for multiple pets.
Cons
– In New York, prescription medicine care is not included. It comes as a separate addition on top of your monthly premium.
– The premium is a bit pricey.
– There is a $1.00 monthly transaction fee, plus a $25 enrolment fee.
– Embrace requires a 2-day waiting period (while it can take up to 14 days in other states) for accidents 4-day waiting period for illness coverage, and a 6-month waiting period for orthopedic conditions — although it can be reduced to 14 days through their Orthopedic Exam and Waiver Process
– They only cater to pets who are 14 years and below, which we think is unnecessary as it is usually the older ones that are more prone to accidents
– They do not have an unlimited claims option.
WHAT CUSTOMERS HAVE TO SAY ABOUT EMBRACE PET INSURANCE?
Having said all that, to complete our review, here are some of the customer reviews of Embrace Pet Insurance:
The adjusters worked tirelessly to overturn a pre-existing condition that was not really a condition at all. They reviewed all the vet’s info and letters and agreed that Hannah’s problem was not ever a medical or behavioral problem. Then they overturned the pre-existing on her record. The adjusters were fair and worked hard, with kindness and good cheer. I recommend this company to all pet parents. I feel secure in the knowledge that if there is ever is a claim to be made, it will be handled with the same care. Awesome representatives and adjusters.
(Posted on Pet Insurance Review)
A high deductible policy from embrace is the best money you’ll ever spend. There’s nothing like the relief that comes when the e-clinic pushes a $3,000 estimate across the table and you only have to worry about $1,000 of it. Also, remember people who never file a claim haven’t ‘lost’ their money. Getting more money back than you paid in is never positive when it comes to insurance – it’ means you had something horrible happen like totaling your car or having your house burn to the ground. In sum, get pet insurance, get it early and keep paying it and hope you never use it.
(Posted on Pet Insurance Review)
The claim process was so speedy and very easy to follow.
(Posted on Pet Insurance Review)
FINAL THOUGHTS ON EMBRACE PET INSURANCE
For any pet lover out there, having pet insurance will surely be a big help. Just like a human, our beloved pets also go through some health challenges at times. Thus, it is best to keep them covered as pet emergencies and all that can get a little pricey, too.
As with the Embrace Pet Insurance, we have nothing but all good things – overall. While it has its pitfalls, we have to say that it is worth every cent you spend. After all, nothing beats having a peace of mind knowing that if anything happens to your pet, insurance will cover the expenses.
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