With broad coverage, customized features, wellness coverage options, and friendly customer service, Embrace is a great choice for pet insurance.
Insurance Underwriter: American Modern Home Insurance Company
A.M. Best Rating: A+ (Superior)
Customizable Plans: yes
Maximum Payout per Incident: no limit
Maximum Payout per Year: Customizable – $5,000, $10,000 or $15,000
Maximum Lifetime Payout: none
Waiting Period: The waiting period in most states is 48 hours for accidents and 14 days for illnesses. For dogs only there is a 6 month waiting period after the policy effective date for orthopedic conditions. The waiting period for orthopedic conditions will reduced to 14 days if you have your veterinarian certify, at your expense, that your pet has no orthopedic problems.
Wellness & Routine Care Coverage Available: yes
Alternative Therapies Coverage Available: yes
Behavioral Treatment Coverage Available: yes
Deductible Type: annual
Maximum Age to Enroll: 14 (Accident-only policy available for pets 14 & older at time of enrollment)
Lifetime Coverage Available: yes
Discounts Available: Discounts available for insuring more than 1 pet, for military members, and if paying annually (rather than monthly)
These features may vary by state.
Embrace offers one, comprehensive plan which can be customized to fit your budget and your pet’s needs. This plan includes coverage for:
◦ Doctor and Nurse Exam Fees
◦ Laboratory Tests and Biopsies
◦ Hospitalization and Surgery
◦ MRI and CT scans, X-rays, Ultrasound
◦ General, Specialist, and Emergency Care
◦ Allergy Testing
◦ Acupuncture, Chiropractor, Holistic Medicine
◦ Physical Therapy incl. Hydrotherapy
◦ RX Medications (unless you opt out)
◦ Laparoscopies, Laser Surgery
This plan can be tailored to fit you and your pet’s needs by allowing you to choose the deductible, annual payout limit, and the reimbursement level, which will directly affect the monthly premium.
Customized Plan Options
◦ You choose the annual maximum: $5,000 , $10,000, or $15,000
◦ You choose the annual deductible: $100, $200, $300, $500, or $1,000
◦ You choose the reimbursement amount: 65%, 80%, or 90%
◦ Prescription medication coverage (optional)
For additional coverage, Embrace also offers an optional wellness plan which can be added onto your plan. There are three levels for their Wellness Rewards coverage: $250, $450, and $650. These options provide coverage for routine health services, such as:
◦ Spay/Neuter
◦ Flea/tick/heartworm prevention
◦ Vaccines and titer tests
◦ Wellness exams
◦ Routine blood and fecal labwork
◦ Microchip
◦ Prescription diet food
◦ Teeth cleaning
◦ Dental X-rays, crowns, and fillings
◦ Grooming
◦ Training
Find out which pet insurance plan is right for you and your pet and receive a free quote by completing the form at the top of the page.
