If you have a pet, you may have already noticed how expenses can quickly accumulate. Embrace’s pet insurance offers a reliable solution to reduce unexpected costs, making it an excellent choice for those seeking coverage.
Before enrolling your pet in Embrace, it is important to be aware of certain key details. Additionally, it is crucial to understand how to choose the most suitable pet insurance for your needs.
Embrace pet insurance
What we’ll cover
Overview
Embrace’s pet insurance provides coverage for cats and dogs in 49 US states as well as the District of Columbia. What sets Embrace apart is its accident and illness policies, as well as accident-only policies, which come with maximum annual reimbursement limits ranging from $5,000 to unlimited. Additionally, Embrace offers a wellness rewards plan that covers routine care expenses like vaccinations, microchipping, and grooming.
Since 2006, Embrace has provided pet insurance. Their policies are supported by American Modern Insurance Group, which holds an A+ financial strength rating from AMBest, an agency that assesses insurance companies based on their financial reliability. Embrace has also earned an A+ rating from the Better Business Bureau. Additionally, they have received a customer review rating of 3.36 out of five stars based on 217 reviews, one of the highest scores among the pet insurance companies reviewed by CNBC Select.
Policies offered
Embrace provides two out of the three primary pet insurance options: accident and illness coverage, as well as accident-only pet insurance.Although Embrace provides a wellness program, it should be noted that it is not an insurance policy. Rather, it is a designated fund intended to cover regular expenses, with options of $250, $450, or $650 per year. It is important to keep in mind that any remaining balance at the end of the year will not carry over.
However, Embrace provides significant value through its accident and illness policies as well as its accident-only policies. These policies include coverage for exam fees, alleviating the burden of paying the full cost of veterinary visits. Here is a breakdown of what these policies encompass.
Accident-only policy
Embrace’s accident-only policy offers coverage for various accident-related expenses such as poisoning, ingestion of foreign objects, cuts, and more. Additionally, this policy extends its support to cover medications prescribed as a direct result of the accident.
Although the accident-only policy does not provide coverage for as many situations as the accident and illness policy, it is easier to meet the qualifications. Hence, it serves as a suitable choice for pets aged 15 or above or those with pre-existing conditions that cannot be cured.
Accident and illness policy
The accident and illness policy provides coverage for both accidents and new illnesses that your pet may acquire. This policy encompasses all the benefits offered by the accident policy and includes additional coverage for various conditions.
– Specific conditions related to certain breeds
– Cancer-related ailments
– Persistent health issues
– Orthopedic disorders
– Dental diseases (coverage up to $1,000 annually)
Embrace’s accident and illness policy offers a remarkable feature – prescription drug coverage. This means that if a condition is covered by the policy, any prescription medications associated with it will also be covered.
Furthermore, the coverage provided also encompasses complementary treatments, which can assist in financing alternative therapies for your pet, such as acupuncture, chiropractic visits, hydrotherapy, physiotherapy, and laser treatments.
Similar to other pet insurance providers, Embrace excludes coverage for pre-existing conditions and any illnesses or injuries that existed prior to enrolling in the policy and completing the waiting period. Nevertheless, Embrace does differentiate between incurable pre-existing conditions and those that are deemed curable, such as respiratory or urinary tract infections.
Embrace may provide coverage under its accident and illness policy even if your pet does not show any symptoms or receive treatment for a curable pre-existing condition for 12 months. Unlike other companies, Embrace distinguishes between curable and incurable pre-existing conditions, making it a suitable option for pet owners whose pets have temporary afflictions.
Features
Embrace’s pet insurance coverage provides a range of exceptional features that ensure the well-being of your pet. These include:
– Access veterinary professionals anytime without scheduling appointments through 24/7 pet telehealth services, included with every Embrace policy.
– Embrace policies include coverage for vet visit fees, which are typically between $50 and $100 per visit.
– Dental illnesses, including broken teeth, extractions, and gingivitis, are covered by Embrace policies, unlike many other pet insurance companies that exclude oral illnesses from coverage.
– Prescription drug coverage is offered by Embrace, encompassing medications for new accidents and illnesses such as allergy medication and insulin.
– Embrace provides a separate website called MyEmbrace to facilitate claim submissions, and also offers a mobile app for easy claim submission from your phone.
Discounts
Although Embrace may not offer as many discounts as other pet insurance companies we have reviewed, it does provide two valuable offers for policyholders.
Save 10% on insuring multiple pets. Insure all your pets and enjoy an automatic 10% discount.
Save 5% as a military member. Active and former military members can avail a 5% discount on pet insurance. Please note that this discount is not applicable in New York or Tennessee.
How it compares
Embrace’s pet insurance is competitive for those wanting to insure a cat or dog. For those wanting to cover a horse, ASPCA’s pet insurance could be a better fit for your needs.
If you are looking to insure a cat or dog, Embrace’s pet insurance offers competitive options. However, if you need coverage for a horse, ASPCA’s pet insurance may be a more suitable choice for you.
