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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

Lemonade

Spot

PetsBest

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 Pet Insurance Plans

Before getting started with a pet insurance plan make sure to familiarize yourself with how pet 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 pet insurance to help make sure your dog or cat is fully covered and protected.

What is Pet Insurance?

Whether you have a cat or a dog, your pet will more than likely need to see a vet at some point. Seeing a vet is not cheap, and vet bills can add up, sometimes costing you thousands of dollars a year. Rather than paying for medical expenses out of pocket, signing up for a pet insurance plan will help cover the costs of future routine and emergency veterinary bills.

How Does Pet Insurance Work?

Pet insurance works a lot like human health insurance in that plans include payment features like deductibles, co-pays, maximum coverage, premiums, waiting periods, and no coverage for pre-existing conditions.

Deductible: Customers pay a small amount before the insurance company covers the remaining costs of the vet bills. Per-incident deductibles incur for each new expense. An annual deductible refers to money the customer must pay each year.

Co-pay: Co-pay is the percentage customers pay after the deductible. Then the insurer will pay the remaining amount. For example, if your co-pay is 10%, the insurer will cover 90% of the bill.

Maximum coverage: Insurers will limit the amount covered. After that, the pet owner will need to pay the rest. Some insurers have the option of unlimited coverage.

Premium: The amount of money the customer pays monthly for pet insurance. Waiting period: The amount of time before your coverage starts. Sometimes pet insurance providers will not cover an illness or injury if it occurs during the waiting period.

Pre-existing conditions: Pet insurance providers do not cover pre-existing. This refers to a health condition that exists prior to the insurance coverage.

What does Pet Insurance Cover?

Each pet insurance provider has its own customized insurance policies. The extent of the coverage will depend on the provider and plan that you choose.

When choosing a plan, consider whether you want the following types of coverage depending on the needs of your pet:

∙ Preventative/wellness care
- ∙ Hereditary conditions
- - ∙ Dental care
  - - ∙ Unexpected illness and injuries
    - - ∙ Diagnostic tests
      - ∙ Surgeries Hospitalizations
        ∙ Medication Supplements or prescription food
        
        If your pet is at greater risk for certain medical treatments due to its breed or age, you might want to consider choosing a provider and plan that covers breed-specific and genetic conditions. However, it is important to note that most providers do not provide coverage for pre-existing conditions.

Can Pet Insurance Save You Money?

Medical bills, even for pets, can end up costing a lot of money. Paying out of pocket could cost you thousands of dollars and lead to debt. If you own a pet, paying a little now can save you a lot later on.

With our list of the top pet insurance companies, you can shop around for the best option for your pet to ensure you get a good deal for quality coverage.

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