Embrace Pet Insurance is just one option to check out, although they are often considered one of the best pet insurance companies out there due to their affordable policies and dependable claims process.
Embrace Pet Insurance offers policies that cover dogs, cats, puppies, and kittens, each of which are underwritten by the American Modern Insurance Group.
Embrace Pet Insurance was started in 2003 by Laura Bennett and Alex Krooglik, with its first policy sold in 2006. Embrace’s pet health insurance plans are underwritten 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).
For dog and cat (and puppy and kitten) owners looking for pet insurance, Embrace Pet Insurance is one company to consider. They offer coverage for not only accidents and illness but also routine wellness visits and preventative care. This is a reputable company that you can rely on for help in paying for your pet’s veterinary care.
Pros And Cons Of Embrace Pet Insurance:
We like that Embrace will cover any treatment plan your veterinarian suggests. So long as your veterinarian deems that it is needed for your pet’s health, Embrace will likely reimburse you for it. This can include diagnostics, lab tests, surgery doctor, nursing, hospital fees, follow-up care, or rehabilitation
Embrace’s customer service gets rave reviews from other pet parents, and our calls have always been handled very knowledgeably
Healthy Pet Deductible: this seems to be a relatively new and unique feature to Embrace. The deductible on your pet insurance policy drops by $50 every year that you don’t have any claims reimbursed
While the coverage can be generous and the peace of mind great, the premiums you pay each month reflect that
In New York, prescription medicine care is a separate addition on top of your monthly premium
What Does Embrace Cover?
When you enroll for pet insurance it is easy to become confused about what exactly is and is not covered. The next two sections will go over everything in detail, allowing you to make a more educated decision based on the things you feel your pet needs, versus the things they don’t.
The main thing covered by Embrace is anything that falls under the heading of illnesses or accidents. These are both very broad terms, however, and many owners read that and simply expect absolutely everything to be taken care of. But, what exactly counts as an illness or an accident?
If your pet happens to eat something they shouldn’t have, is struck by a vehicle, cuts themselves, breaks a bone, or gets into a fight, this all falls under accidents and will be covered by your insurance. Likewise, if your pet gets sick with parvo, develops cancer, suffers from pancreatitis, or develops a degenerative disorder, then this would all be covered under illnesses.
Conditions that are covered by Embrace are then reimbursed for all costs that are associated with the issue. For example, your initial visit, any diagnostic testing, prescription medications, and even surgery are taken care of. Pets who require surgery are also covered for any rehabilitation, as well as follow up care that is associated with it.
Some insurance providers restrict what types of vet visits are covered, but with Embrace, you will have coverage whether it is your regular provider, an emergency vet, or even a specialist. In addition, Embrace will also cover alternative and holistic treatments, such as acupuncture, chiropractic care, hydrotherapy, and more.
How to Embrace Pet Insurance Works:
Like other types of insurance, pet policies from Embrace Pet Insurance are intended to protect you financially if your pet becomes sick or injured.
Embrace Pet Insurance offers a simple and comprehensive plan with benefits that will help your pet get the care they need if they face an unexpected health issue.
Embrace Pet Insurance allows you to choose your own annual maximum, annual deductible, and reimbursement percentage for a truly personalized policy.
Pet insurance from Embrace covers the following issues with both dogs and cats:
Alternative therapies & rehabilitation
Breed-specific or genetic conditions
Dental illness to $1,000/year (Accessible in most states)
ER & specialist coverage
Hospitalization & surgery
Prosthetic limbs or other devices like mobility aids
How Much Does Embrace Pet Insurance Cost?
One of the biggest factors that can drive a pet owner’s decision to purchase pet insurance is cost.
Plans that are affordable are typically easy to justify while more expensive plans are difficult to purchase when your pet is in good health.
Like other pet insurance providers, policy costs vary quite a bit with Embrace Pet Insurance based on factors such as the type of pet you have, your pet’s age, your pet’s breed, and where you live.
It also makes a difference if you purchase any pet insurance add-ons such as Wellness Rewards.
Here are the three Embrace has currently:
Affordable – $5,000 annual limit, $750 deductible, and 90% reimbursement
Recommended – $10,000 annual limit, $500 deductible, and 80% reimbursement
High-Reimbursement – $10,000 annual limit, $300 deductible and a 90% reimbursement
Now, here are some basic quotes for a variety of pets we received through the Embrace Pet Insurance website, based on those:
Embrace Pet Insurance Plans & Pricing
Embrace also offers an optional Wellness Rewards program for an additional fee. Embrace will reimburse 100% of your pet’s routine care costs up to the selected amount of coverage you choose. You can select $250, $450 or $650 for this program. This money can go towards the following:
Flea, tick, and heartworm preventative
Vaccinations and titers
Routine blood and fecal parasite exams
Microchip implant and registration
Prescription diet food
Dental x-rays, crowns, and fillings
Embrace Pet Insurance Customer Service Hours
Live chat: Monday – Friday 8:30 am – 5 pm ET
Contact center: Monday – Friday 8:30 am – 8 pm ET and Saturday 9 am – 1 pm ET
Embrace Pet Insurance Waiting Periods
14 days: Illnesses
2 days: Accidents
6 months (or 14 days with an orthopedic report card submitted): Orthopedic conditions (including cruciate ligament events)
Embrace vs Other Companies
See what the key differences are between Embrace and a leading pet insurance company.
Embrace vs Healthy Paws
All Healthy Paws plans include unlimited claim limits. The maximum claim limit you can get online from Embrace is $30,000, you must call in for unlimited claim limits.
Healthy Paws averages a 2-day claim repayment, while Embrace average 10 to 15 business days.
Embrace has a 2-day waiting period for accidents, while Healthy Paws has a 15-day waiting period for accidents.
Embrace Pet Insurance Coupon Code
Embrace offers a few different discount options. Spayed or neutered pets in NY get a 5% discount. If you have multiple pets, each one gets 10% off (5% in NY). You can also pay annually and get 5% off in NY. Click hereto access any of these discounts.
Conclusion of Embrace Pet Insurance Review
Many pet owners forget to consider enrolling in insurance when they purchase or adopt their new family member. The excitement of bringing home that puppy or kitten makes make people forget that at some point they will almost certainly need to make appointments and be faced with costly bills.
Enrolling early means your pet has less pre-existing conditions, will have better coverage, and you can start earning discounts much quicker. Do not wait until something happens before considering providers such as Embrace, as post-illness or accident is going to be far too late.
Vet bills can end up costing hundreds or even thousands of dollars, and some owners have to stop treatments or even put their pets to sleep simply because they cannot afford the mounting costs. By purchasing insurance, you protect yourself from these types of situations, and instead, get to focus on helping your pet in any way they need. With such a low cost to yourself and such a high-value reward, there is truly no reason not to sign up for Embrace’s pet insurancetoday.