Embrace Pet Insurance Review

Embrace Pet Insurance is run by pet owners and is committed to provide sincere protection and certainty if pet parents are most in need. The business provides insurance and wellbeing with customized policies, straightforward pricing and exclusion and many discounts for accidents and diseases.

Embrace makes it simple for your cat or dog to develop a personalized pet insurance policy. Choose from an annual deductible of up to $200, a cap of $30,000 and a refund of up to 90% of your vet bills. Embrace provides discounts for more than one pet, the purchase by volunteers and for current and retired members of the military. Both plans have a disappearance deductible for safe pets.

The coverage and exclusions, the optional Wellness Rider, discounts, prices, ratings, customer support and more, were checked for Embrace, in order to help you decide whether or not this is right for you.

Company Overview: Customizable & Flexible Pet Insurance

Embrace Pet Insurance gained sufficient money to market its first pet insurance policy three years later as the winner of the 2003 competition. Wharton Business Plan Competition Since then, the business has expanded to provide personalized accident and insurance policies, healthcare and an easily accessible online platform and app.

With Embrace you may design a personalized accident and disease policy by selecting your annual deductible and compensation percentage. You may also sign up for extra wellness coverage, which allows you to allocate funds for animal prevention programs, including those that do not have other spa plans.

Embrace's pet insurance policy comes under the AM Best A+ ranking for financial security, the U.S. Modern Insurance Group.Customer reviews are mostly positive except for pre-existing conditions, some issues include misunderstanding between consumers and policy exclusions. Many clients appreciated Embrace for its rapid and welcoming customer support in the way it handled its statements.

Policies Available: Accident and Illness

Embrace sells cats and dogs only injury and disease or accident insurance.

Accident and Illness

The generator of Embrace online quotes makes it easy for you to develop your strategy quickly. You simply have to give your dog or cat and your position some basic details and you will get a suggested scheme that will include your monthly payment. You can mix and adjust your annual deductible and refund to create a package that meets your needs and budget from there.

After registering, Embrace will check the medical history of your pet to let you know if your pet is subject to pre-existing conditions. You will ask for a full refund in the first 30 days of coverage if you do not like this policy. You will automatically extend your coverage every year if you approve this coverage, and for some reason you will not be discontinued.

A 48-hour waiting period before filing an accident claim and a 14-day waiting time before filing an illness is needed for Embrace. In such windows claims are refused. There is also a maximum of six months to wait for orthopedic disorders claims on dogs, even though this can be shortened by an orthopedic test for 14 days.

You would be compensated if you must make an accident and illness claim:

• Cancer treatment including chemotherapy
• Chronic conditions (such as allergies)
• Dental trauma
• Exam fees (with wellness rider)
• Genetic conditions (such as hip dysplasia)
• Prescription drugs
• Allergy testing
• Alternative therapies (such as acupuncture)
• CT scans, MRIs, X-rays, and ultrasounds
• General, specialist, and emergency care
• Hospitalization and surgery
• Lab tests and biopsies
• Physical therapy (such as hydrotherapy)

Accident-Only

Embrace covers only freshly covered pets 15 years and older by accident. However, if the pet is already enrolled in a health and injury plan, it will remain alive and is not withdrawn or switched to age 15. This is not a personalized package, with an annual coverage of $5,000, a deduction of $100 and a refund of 90 percent; coverage included:

• Bloat
• Foreign body ingestion
• Hit by car
• Torn cruciate ligament
• Poisoning
• Cuts & lacerations
• Prescription drugs for covered conditions

Other Add-Ons: Wellness Plan 

Embrace gives you the possibility of including your injury and disease policy in a Wellness Rewards program. The wellness cyclist should set a budget like a Flexible Spending Account for regular wellness and preventive treatment, such as: You can use it to receive a refund.

• Veterinary routine visits
• Grooming
• Medicine of the flea, tick and heartworm
• Fecal and routine blood tests
• Microchipping
• Medicated shampoos
• Spay/neuter surgery
• Routine chiropractic care
• Massage and acupuncture
• Teeth cleaning
• Prescription diet food
• Training classes
• Vaccinations
• Toenail trimming
• Anal gland expression
• Pet activity monitors
• Cremation or burial  

You have a choice of $250, $450 or $650 for your annual limit. Per year, up to the sum you will be reimbursed for qualifying expenses. The higher the cap, of course, the higher the coverage costs.

The Wellness Rewards program of Embrace is not a separate scheme and can only be applied to an existing policy. You can always increase your annual cap, but you have to pay back once a month before the current policy begins. Funds left on your account at year-end are not reimbursed and will not be repaid until the next year.

Unique Features: Prescription Coverage

Many pet insurance schemes would not refund the cost of the covered disease prescriptions to you. This means that you have to absorb the continuing medicines bill, which can be very expensive.

Fortunately, Embrace offers coverage for taking home medicines, both FDA-approved and under the umbrella of homoeopathic medicines, such as:

• Antibiotics
• Allergy medication
• Insulin and supplies
• Eye and ear drops
• Oral chemotherapy
• Steroids
• Pain relievers
• Anxiety medication

Embrace's Wellness Rewards provides coverage for the following preventive care and rehabilitation services and prescriptions:

• Flea, tick, and heartworm preventatives
• Prescription diet food
• Ear cleaning drops
• Nutritional supplements
• Medicated shampoos    

Unique Features: Dental Coverage

Dental coverage is sometimes omitted from the pet insurance plans, whether due to sickness or accident. Embrace provides compensation up to the insurance cap you select for dental injuries and up to $1,000 a year for dental diseases.

The teeth of your pet’s are covered for:

• Broken, chipped, and fractured teeth
• Extractions
• Gingivitis
• Root canals & crowns
• Stomatitis
• Periodontal disease

Plan Exclusions: Most Pre-Existing Conditions 

Pre-existing conditions in force exclude almost all pet insurance plans. However, Embrace differentiates between pre-existing conditions which are curable and incurable.

If your pet takes 12 months without symptoms or requires care for the following conditions, your accident and disease policy will cover medically required treatments:

• Respiratory infections
• Urinary tract/bladder infections
• Vomiting, diarrhea, and other gastrointestinal disorders

Nevertheless, Embrace will not cover medications for your cat or dog's associated conditions:

• Orthopedic conditions, illnesses, or injuries on the opposite side of a prior injury
• Allergies
• Cancer
• Diabetes
• Lipomas or skin lumps
• Hyperthyroidism or hypothyroidism
• Urinary or bladder crystals or blockages
• Other chronic conditions 

The following are therefore excluded from the accident or disease plan:

• Breeding, whelping, and pregnancy
• Injury caused deliberately by you or any other person or pet residing in your home
• Injury or illness resulting from fighting, racing, cruelty, or neglect
• Cosmetic procedures
• DNA testing or cloning
• Injury or illness from fighting, racing, neglect, cruelty etc.
• Avian flu 

Although the strategy only for accidents is great for older pets, it has several options:

• Illnesses
• Breed-specific and genetic conditions
• Congenital conditions
• Chronic conditions
• Cancer
• Dental illness

Cost: Customizable Policies to Meet Any Budget 

The prices for Embrace compete with most other suppliers. Depending on your pet's age, deduction rate, coverage amount and other variables, your prices will be different. Your price will vary. Make sure that your pet gets the most reliable quote by using the quote estimator.

Embrace provides a range of discounts that can be stacked up to 25% in most states in order to make the scheme much more affordable. There is a 10% discount on 2 or more pets, a 5% discount on military personnel and a 10% discount on Embrace Pet Insurance offered by your employer.

Embrace also has a disappearance allowance which reduces your annual deductible by $50 per year you go without claiming any accident or disease reimbursement. You can also save $12 by paying for the year you withdraw the monthly billing charge.

Customer Service: Phone, Mail, Chat, and a 24/7 Helpline

Using its online platform or mobile app, embrace makes it easy to file claims, or change your coverage. You may also submit claims via email, fax, e-mail, application or MyEmbrace. Usually, Embrace settles claims for accidents and sickness within 10 to 15 days and claims for wellness within five working days.

From 9:00 a.m. to 8:00 p.m. and Saturday, from 10:00 a.m. up to 2:00 PM EST, Embraces provides e-mail or phone assistance from Monday through Friday. A 24/7 pet emergency aid hotline and general questions on pet health are also available.

Competition: Embrace vs. PetFirst 

PetFirst is another pet insurance company that provides coverage of accidents and illnesses close to Embrace.

Both stack up equally uniformly side by side. Both sell individual plans as well as well as health riders with about the same monthly allowances. But PetFirst's health program does not cover prescription food, as opposed to Embrace. It reimburses you only for a fixed sum per service, based on your annual cap.

Despite the similarities in personalization and price, Embrace provides you with more complete and versatile coverage than PetFirst, particularly in the spa area.