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.