If you’re considering Embrace Pet Insurance you’ll find everything you need to know to make your decision in this article. We’ll dig into what’s covered and what’s not, how the insurance claim process works, what to expect in terms of approximate costs, and much more. Let’s get right down to business and figure out if an Embrace Pet Insurance policy is the right fit for you and your dog.
Is Embrace a Good Pet Insurance?
First things first, let’s take a look at what you can expect when you choose an Embrace pet insurance policy in terms of coverage and exclusions, as well as other details that you’ll want to consider when you’re making your decision.
Coverage
Embrace pet insurance is quite extensive when it comes to what’s covered. They have a single, simple plan that they refer to as “nose-to-tail” insurance coverage which reimburses up to 90% of unexpected vet bills. Exam fees are covered too, which is not something you’ll see with all pet insurance companies. Pet owners holding Embrace’s accident and illness policy are covered for the following:
- Accidents.
- Illnesses.
- Dental illnesses.
- Hereditary and genetic conditions.
- Cancer.
- Chronic conditions.
Make sure to read their policy details for the most accurate and up to date information regarding what’s covered.
Embrace pet insurance also includes coverage for the following treatments:
- Alternative therapies and rehabilitation.
- Behavioral therapy.
- Emergency veterinary care.
- Specialist care.
- Diagnostic testing.
- Hospitalization and surgery.
- Prosthetics and mobility devices.
- Prescription drug coverage.
Embrace also allows you to extend your pet insurance with their Wellness Rewards program for routine care. This additional plan is geared towards providing pet owners with reimbursements for routine vet care, as well as training and grooming costs.
One other point worth noting is that while it’s incredibly uncommon for pet insurance companies to reimburse for pre-existing conditions, Embrace will evaluate any pre-existing conditions that your pet may have. If your pet goes for 12 months free of treatments or symptoms, the company will re-evaluate your pet’s coverage.
Exclusions
Make sure to check with Embrace for the most accurate, thorough, and up-to-date information on their policy exclusions. The following are explicitly excluded from Embrace Pet Insurance plans at the time of writing:
- Routine veterinary care.
- Pre-exisiting conditions (though considered pre-existing conditions may be eligible as noted above).
- Breeding and pregnancy.
- Injury caused intentionally by you or someone in your household, and any injury or illness caused from cruelty, neglect, and similar.
- DNA testing or cloning.
- Cosmetic procedures.
- Avian flue or nuclear war.
Annual Limits
When we get a quote using Embraces online quoting system, the following options are available for annual limits:
- $5,000
- $8,000
- $10,000
- $15,000
A higher limit is great for peace of mind, but be aware that a higher limit will result in higher monthly premiums for your pet’s insurance.
Deductibles
The deductible options we are presented with when using Embraces online system to get a quote are as follows:
- $1,000
- $750
- $500
- $300
- $200
It’s worth noting that Embrace pet insurance offers a Healthy Pet Deductible. This means that every year that your pet goes without issues that would lead to filing claims your deductible is reduced by $50.
Reimbursement
The options available for reimbursement when we use the company’s online quoting system are as follows:
- 70%
- 80%
- 90%
Waiting Period
There are a few waiting periods to consider with Embrace pet insurance. Pet parents should be aware that any claims made before the waiting periods have elapsed are not included in the policy.
- Illnesses have a 14-day waiting period.
- For accidents, the period is 48 hours.
- Waiting periods for orthopedic conditions are 6 months, but can be reduced to 14 days by following an orthopedic exam and waiver process.
Customer Embrace Pet Insurance Reviews
The sentiment from customer reviews online of this pet insurance company are undoubtedly mixed, but what should be noted is that there are a number of very positive reviews – particularly noting how much success customers have had being reimbursed, as well as how satisfied they are with the customer service.
When you read online reviews of pet insurance companies in particular, you do have to consider that pet parents can become very upset if their pet’s health is in question. It’s understandable. We have noticed when conducting our research at The Pampered Pup that online reviews for pet insurance are often skewed unfairly for the providers. The fact is that what is included in an insurance policy and what is not is very clearly laid out, and you need to be aware of this when signing up. Make sure to keep this in mind as you’re reading through customer reviews so that you can read and evaluate them objectively, rather than just taking a star rating at face value.
How Does Embrace Pet Insurance Work?
The numbers and details of the insurance policies offered are outlined in detail above, but when it comes to submitting claims there is a bit more that we can say in regards to how the whole process works.
First, you’ll want to have a copy of their claim form filled out by personnel at your vet hospital of choice, and then you’ll want to attach your itemized invoices to the claim. Then you submit the claim by email, fax, or by uploading it to their website. You can also mail the claim form and invoices if that is your preferred method. As long as everything is included in your policy, they can either reimburse by direct deposit or by check sent in the mail.
Does Embrace Pet Insurance Cover Dental Cleaning?
Routine dental cleaning can be reimbursed if you elect Embrace’s Wellness Rewards routine care plan. However, the Wellness Rewards plan must be purchased in addition to Embrace’s accident and illness coverage. Dental cleaning is not covered by Embrace’s accident and illness coverage.
Pros
- Diminishing deductible (think of it as a “healthy pet deductible”) feature means that your deductible will decrease by $50 for every year that you hold a policy and don’t submit a claim.
- Exam fee coverage is included with the Embrace plans.
- Embrace offers fair evaluation of pre-existing conditions and will cover curable conditions after 12 symptom- and treatment-free months.
- Use any veterinarian you like.
- Up to 90% reimbursement on qualified bills.
Cons
- Some reviews report that it took the customer a few weeks to get their reimbursement.
- Some reviews have reported it taking some time to get their pet set up with an insurance policy.
Should You Get Embrace Pet Insurance For Your Dog?
Now that we’ve had a chance to take a deeper look at all that this pet insurance company has to offer, it’s time to put some thought into whether or not Embrace Pet Insurance is the right provider for you and your dog.
Frankly, there’s a lot to like when you look at what this pet insurance agency has to offer. Their policies are quite extensive when it comes to what’s covered. The price is reasonable, though the exact quote you get for pet insurance is going to vary significantly depending on a number of factors, such as your pet’s breed, age, and gender, your zip code, and the details of the policy that you sign up for. If you like to have a little more included in your policy, you can opt for the Wellness Rewards program which goes above and beyond what most plans cover.
Features like the Healthy Pet Deductible, the fact that you can use any vet that you’d like, the inclusion of exam fees, and the ease with which you can file claims are the main reasons that customers are so satisfied with Embrace as their pet health insurance agency of choice. It’s worth getting multiple quotes from a few providers before you make your ultimate decision, but there are quite a few reasons why Embrace Pet Insurance just may be the best pet insurance provider for you and your dog.
