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All Pets Dog Cat Wellness Reviews Articles

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Embrace Pet Insurance Review

In a nutshell: With Embrace Pet Insurance, furry family members stay protected. Their comprehensive plans cover dogs and cats from the time they are born. Embrace Pet Insurance is able to insure pets up to 14 years old on new policies for accident and illness coverage. Pets 15 years or older can access Embrace's accident only policy. Although the basic plans do not include routine care, customers can purchase the optional Wellness Rewards Product which includes everything from vaccinations to massages.

Embrace Pet Insurance Review

Policies

As a part of their policy, Embrace Pet Insurance requires that the pet has been examined by a vet within the last 12 months prior to the policy start date or within 14 days after the policy begins. After making a claim, Embrace typically sends repayment of covered claims within 10 to 15 five business days. The company requires that the pet owner sends in documentation in order to process the claim successfully.

Embrace customers can expect the following waiting periods for receive reimbursement on claims:

14-days: Illnesses
Orthopedic conditions have additional waiting or exclusion periods that vary by state

Limitations

Although Embrace Pet Insurance does cover a fair amount of necessary coverage, pet owners should consider some of the limitations of their plans. Their plans do not cover pre-existing conditions, injury caused by the owner, injury from fighting, cosmetic procedures such as tail docking, DNA testing, Avian flu, and more. In addition, Embrace basic dog and cat insurance does not cover routine vet care. In order to cover routine care like vaccinations and so on you will need to purchase the optional Wellness Rewards Product or pay out of pocket.

That being said, customers who do pay extra for the optional Wellness Rewards Product will get ample reimbursement on routine care such as wellness exams, flea, tick, and heartworm meds, vaccinations, blood tests, microchipping, grooming, training, and even things like massage therapy and reiki healing.

Although their website claims to cover animals of all ages, looking at the fine print, Embrace does not provide health insurance for pets 15 and over for accidents and illnesses when insuring your pet with them for the first time. However, they will provide accident insurance for pets 15 and older. If this applies to your pet, make sure to inquire with Embrace to find out your options.

Cost

The coverage selection depends on the health conditions of the animal, but overall Embrace Pet Insurance has a very flexible pricing structure. Pet owners can choose the best plan for themselves with the following options:

Annual maximum: $5,000, $8,000, $10,000, $15,000, or $30,000 (unlimited in selected states)

Annual deductible: $200, $300, $500, $750 or $1,000
Reimbursement: 70%, 80% or 90%

You can get a quote online for your pet. Coverage costs will vary according to factors like the animal breed, location, and age. Those who opt for the optional Wellness Rewards Product have three options for reimbursement, and you can choose between $250, $450, or $650 for each pet, each year. They recommend that pet owners with puppies and kittens choose the $650 reimbursement option since younger animals require more visits early on.

Customer Support

Embrace Pet Insurance customers can easily manage their policy online including cancellations, renewals, and adjustments. Plus the website has a convenient vet locator making it easy to find the care you need right away. Embrace also has a convenient app that makes it easy to upload claims and manage your pet's policy in one place. You can find more helpful information on the website FAQ and blog or stay connected via Facebook, Twitter, Pinterest, and Instagram. You can contact customer support 24/7 through their live chat hotline at any time.

Pros

Optional wellness rewards product
Flexible payments
Up to unlimited annual limit

Cons

$25 enrollment fee
Covers up to age 14 when insuring your pet for the first time

Our Top 3 Picks

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Lemonade

Embrace

Fee Structure Variety

9.0

Provides a broad range of deductible options and reimbursement levels. Includes several premium structures and flexible plans that cater to a wide array of customer needs.

Payout Speed

9.0

Claims are processed and paid out very quickly, usually within 3-5 business days

Integration Capabilities

8.0

Offers good integration capabilities with several veterinary systems and mobile apps, supports electronic claims submissions

Security measures

9.0

Strong security protocols, encryption, multi-factor authentication, audits, and proactive measures to address vulnerabilities

Customer support

9.0

Available extended hours or almost 24/7 with a good variety of contact methods

Most Commonly Asked Questions About Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right medical option for your pet without spending a fortune. You don't have to make any decisions about your pet's well-being based on your finances.

If you already take your dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000.

Coverage could cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible. If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan. The best dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When dogs need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000. A number of pet insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

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