Compare Embrace Pet Insurance

Comparison Fact Sheet

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Company Info
Company Name	Embrace
Also Known As
Address	781 Beta Drive, Suite D Mayfield Village, Ohio 44143
Phone	1-800-511-9172
Website	www.embracepetinsurance.com
Plan Name(s)	Budget, Everyday, Complete, Customizable*
States Covered	All 50 states, including DC
Underwriter and AM Best Financial Strength Rating	100% underwritten by certain underwriters at Lloyd's of London. I'm not sure which Lloyd underwriters are used here. Most Lloyd underwriters have an AM Best Financial Strength rating of "A" and an Outlook of "Stable" as of 2/08/10. For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started	2006

Policy Basics
Policy Term	12 months
Effective Date	The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age	Pet must be at least 8 weeks old. All policies include accident and illness coverage, however, if your pet does not fall within the following upper age limits they will not be eligible for illness coverage on new policies: Mixed Breed Dogs -Upper age limit up to and including 8 years. Purebreed Dogs - Upper age limit up to and including 6 years. Mixed Breed Cats - Upper age limit up to and including 10 years. Purebreed Cats - Upper age limit up to and including 8 years.
Cancellation Policy	Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period	14 days after the policy effective date for accidents and illness 6 months 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.
Waiting Period for Cruciate Injury	6 months after the policy effective date. 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.
Coverage When Travel Out of State or Country?	Out of State Coverage - You WILL be covered while traveling to other states with your pet. Out of Country Coverage - You WILL be covered when traveling to Mexico or Canada with you pet.
Can the Price of the Policy Increase as my Pet Ages?	Yes, the policy premium can increase as your pet ages. Contact the company for more information on these increases.
Does Coverage Stop Due to Age?	No
What Happens when the Policy Renews?	Chronic conditions will continue to be covered each year. The maximum reimbursement you can receive in any given year for continual care of chronic conditions is 25% of your policy annual maximum. (See 'Chronic Conditions Policy' on this page for more details)
Can the Price of the Policy Increase if a Claim is Filed?	No
Choice of Vet?	You can choose any licensed veterinarian in the US, Canada and Mexico, but you must live in the US permanently to purchase a policy.
Money Back Guarantee?	If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim.
Surcharge for Visiting a Specialist or Emergency Clinic?	No
Referral needed to Visit a Specialist?	No
Pre-certification Required?	Pre-certification is optional and can be done for any procedure but is recommended for the following: Magnetic Resonance Imaging (MRI) scan Computer-aided tomography (CT) scan Partial or complete hip replacement Cruciate ligament repair Dental surgery Home visits because your pet is unable to travel to the usual location of the veterinarian Anytime the anticipated costs of a course of Treatment are expected to go over $1,000 (US).
Additional Requirements	**See actual policy or call Embrace for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review?	Sample policy available online

What's Covered
Species Covered	Dogs and Cats
Accident/Injury - Baseline Coverage	Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization. Prescription medications [OPTIONAL] (See 'Prescription Drug Coverage' below)
Illness - Baseline Coverage	Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization. Prescription medications [OPTIONAL] (See 'Prescription Drug Coverage' below)
Behavioral Therapy Coverage	[NO]
Alternative Therapy Coverage	[INCLUDED] Alternative Therapy coverage is included at no additional cost with every Embrace pet insurance plan except their Accident Only plan. Embrace will cover the following: Chiropractic Acupuncture Homeopathic Holistic Massage therapy Physiotherapy including Veterinary Orthopedic Manipulation (VOM) Hydrotherapy Rehabilitation The veterinarian performing the Alternative Therapy must be a member of one of the following: The American Veterinary Chiropractic Association The Academy of Veterinary Homeopathy The American Academy of Veterinary Acupuncture The American Holistic Veterinary Medicine Association **See actual policy or call Embrace for any additional limitations on Alternative Therapy Coverage.
Pre-existing Conditions Policy	Pre-existing conditions are not covered. Pre-existing conditions include the following: If your pet had symptoms or was diagnosed with an illness or injury before your policy effective date or during the waiting period, this will be considered pre-existing. These conditions may be covered in the future if cured, however, this is at the discretion of Embrace. Bilateral Conditions - If your pet develops a Bilateral Condition before your policy effective date or during the waiting period, it will not be covered and if your pet develops the same condition on the opposite side after the waiting period it will not be covered. For example if a dog has been diagnosed with a cruciate tear in this left knee before the effective date or during the waiting period, a cruciate tear in the right leg will not be covered. Even if it happens after the waiting period. Examples of Bilateral Conditions include but not limited to: cruciate tears or strains, hip dysplasia, luxating patellas, and elbow dysplasia. If your pet develops a Intervertebral Disk Disease (IVDD) before your policy effective date or during the wafting period, your pet will not be covered for any future incidences of IVDD, even if it is a different vertebrae that is injured. If your pet has been diagnosed or treated for cancer before your policy effective date or during the waiting period, your pet will not be covered for any further incidences of any type of cancer in any location in the body. This exclusion includes any conditions that are a direct result of the cancer. If your pet has been diagnosed or treated for hyperthyroidism before your policy effective date or during the waiting period, hyperthyroidism treatments and medication are not covered, as well as any secondary conditions that may develop including kidney, heart, and high blood pressure conditions. **See actual policy or call Embrace for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage	[INCLUDED] This is included at no additional cost with every Embrace pet insurance plan except their Accident Only plan. Hereditary and congenital conditions are covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period. **See actual policy or call Embrace for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions	[INCLUDED] Continual coverage for chronic conditions is included with the policy. Chronic conditions will continue to be covered each year. The maximum reimbursement you can receive in any given year for continual care of chronic conditions is 25% of your policy annual maximum. **See 'Chronic Conditions Policy' section below for more details
Chronic Conditions Policy	The maximum amount you can receive each year for continual care of chronic conditions is 25% of your policy's annual maximum payout. If your annual maximum is $2000 then your chronic conditions coverage for the year will be (0.25 x $2000) or $500 If your annual maximum is $5000 then your chronic conditions coverage for the year will be (0.25 x $5000) or $1,250 If your annual maximum is $10,000 then your chronic conditions coverage for the year will be (0.25 x $10,000) or $2,500 If your pet has more than one chronic condition the max payout is still 25% of your policy's annual maximum. It is not 25% per chronic condition. Bilateral conditions are considered chronic conditions if it happens on the opposite side after the initial claim. For example: Let's say your dog gets a cruciate injury on left leg after enrolled and after waiting period. If your dog gets a cruciate injury on the right leg in the future, treatment for the right leg will only be covered up to 25% of your policy's annual maximum. Bilateral conditions include but are not limited to cruciate tears or strains, hip dysplasia, luxating patellas, and elbow dysplasia. They will not cover chronic conditions that are pre-existing or occurred during the waiting period as these are considered pre-existing conditions. **See actual policy or call Embrace for complete description of their Chronic Conditions Policy.
Cancer Coverage	[INCLUDED] Must not be pre-existing or occur during the waiting period. (See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits	The initial claim will be covered up to the annual maximum you select. Continual coverage for a cancer condition will be limited to 25% of your annual maximum each year. (See 'Chronic Conditions Policy' section above)
Hip Dysplasia	[INCLUDED] Included as part of their Hereditary & Congenital Conditions Policy. Must not be showing signs or have been diagnosed or suspected prior to enrollment or during the waiting period. (See 'Hereditary & Congenital Conditions Coverage' section above). Hip dysplasia is considered a bilateral condition. (See 'Chronic Conditions Policy' section above)
Prescription Drug Coverage	[OPTIONAL] - Prescription coverage is offered at an additional cost. **See actual policy or call Embrace for full list of inclusions and exclusions
Pregnancy Coverage	[NO]
Routine/Wellness Coverage	[OPTIONAL] Wellness coverage available at an additional cost. Offers $200 annually for routine / wellness care. Co-pay and deductible do not apply. Includes: Annual wellness exams Routine vaccinations or titers Flea, tick, and heartworm medications Spaying and neutering Routine diagnostic testing Routine dental cleaning **See actual policy or call Embrace for complete description of their Wellness Coverage.
Vaccinations	[OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter	[OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine)	[OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident)	Dental Illness [OPTIONAL/LIMITED COVERAGE] - Dental coverage for illness is offered at an additional cost. Co-pay and deductible apply. Covers: 1) Treatment of illnesses related to the teeth and gums. 2) Removal of teeth where medically necessary (examples include: retained baby teeth, dental disease arising from infection, or misalignment caused by a tooth missing above or below the tooth in question). Dental Accidents [INCLUDED/LIMITED COVERAGE] - Dental coverage for accidents is included with the policy. Co-pay and deductible apply. Dental accident and illness coverage does not cover orthodontic or endodontic procedures such as root canals or crowns, fluoride treatment, teeth cleanings not associated with illness. **See actual policy or call Embrace for full list of inclusions and exclusions.
Bilateral Conditions Policy	If your pet develops a Bilateral Condition before your policy effective date or during the waiting period, it will not be covered and if your pet develops the same condition on the opposite side after the waiting period it will not be covered. For example if a dog has been diagnosed with a cruciate tear in this left knee before the effective date or during the waiting period, a cruciate tear in the right leg will not be covered. Even if it happens after the waiting period. Bilateral Conditions are considered chronic conditions if it happens on the opposite side after the initial claim. For example: Let's say your dog gets a cruciate injury on left leg after enrolled and after waiting period. If your dog gets a cruciate injury on the right leg in the future, treatment for the right leg will only be covered up to 25% of your policy's annual maximum. Examples of Bilateral Conditions include but not limited to: cruciate tears or strains, hip dysplasia, luxating patellas, and elbow dysplasia. **See actual policy or call Embrace for a list of medical conditions that are considered bilateral and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview (please read policy for full coverage details)	Diagnostics and treatments due to illness and accidents [Included] Hereditary & Congenital Disorders, Alternative Therapy, Continual Chronic Conditions Coverage (with monetary limits), Cancer Coverage, Hip Dysplasia, Dental Accidents (Refer to each category's section for limitations) [Optional Add Ons] Dental Illness, Prescription Drugs, Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations) **See actual policy or call Embrace for full list of inclusion, exclusions, limitations and conditions.
What's not Covered - Overview (partial listing, please read policy for full details)	Pre-existing conditions Conditions that occur during the waiting period Pregnancy, Breeding Behavioral conditions Cosmetic procedures not medically necessary Experimental veterinary procedures or treatments unless you have an agreement with Embrace ahead of time. Orthodontic or endodontic procedures such as root canals or crowns (If a tooth is damaged it will more than likely be removed) Medication not approved by the Food and Drug Administration of the United States, as well as natural supplements, vitamins, and all foods, whether prescribed or not Organ transplants Genetic/chromosome testing More than one surgery for foreign body ingestion in 1 year ...See policy for a complete listing

How The Policy Works
Co-pay	You can choose from 10%, 20%, or 35%
Deductible	Annual deductible. You can choose from $100, $200, or $500 per year
Flat Deductible vs % Deductible	Flat Deductible
Deductible Per Incident vs Annual Deductible	Annual Deductible
How is Reimbursement Determined	CUSTOMER REP: If they feel the fees are high compared to what is being charged in your area, they will use UCR. Otherwise reimbursement is based on the actual veterinary bill. IN POLICY: UCR
Max Payout Annually	You can choose from $2,000, $5,000, $10,000 or $15,000 per year The maximum reimbursement you can receive in any given year for chronic conditions is 25% of your policy annual maximum. (See' Chronic Conditions Policy' on this page for more details)
Max Lifetime Payout	Embrace does not have a maximum lifetime payout
Max Payout per Incident	Embrace does not have a maximum payout per incident
Max Payout Based on Body System	Embrace does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly	You pay the veterinarian and then you are reimbursed after you file the claim.

Pricing
Approximate Monthly Costs	Approximately $10 - $80 depending on the deductible, co-pay, annual max you pick, age of pet, optional add ons, etc.

Additional Info
My Review	Embrace Review
What are Customers Saying?	PetInsuranceReview.com Amazon.com
Better Business Bureau	bbb.org
American Animal Hospital Association Seal of Acceptance	No
Additional Info	If your pet has Cushing's disease or diabetes before enrolling, he/she will be only be eligible for Accident coverage.

*The information in the above charts applies to Embrace pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Embrace for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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