A Vet's Review of Embrace Pet Insurance
by Frances Wilkerson, DVM
This review discusses coverage and payout structure
To get the most from this review, please read
the Guide to Pet Insurance
For a detailed look at Embrace, see Embrace's Comparison Sheet.
Embrace has offered pet insurance since 2006. This review refers to Embrace's plans that have accident and illness coverage.
In general, Embrace Pet Insurance covers examinations, diagnostics
and lab tests, surgery, treatments, and hospitalization for accidents/injuries
and illnesses as long as the condition is not pre-existing, has not occurred during
the waiting period, and you have not reached your maximum payout.
Coverage for prescription medications must be purchased as an additional add-on.
Non-routine dental coverage is limited.
Embrace Pet Insurance covers chronic diseases and provides continual coverage for chronic conditions
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.
Hereditary, breed-specific and genetic conditions, including hip dysplasia are covered by Embrace Pet Insurance
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.
I would like to see more clarity on whether or not Congenital issues
Embrace covers cancer conditions 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.
However, 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.
Embrace covers breed specific medical conditions, 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.
Embrace has an annual maximum
payout structure. The highest annual maximum under this policy
is $15,000 per year. This
payout structure is enough to cover most people's "Worst Case Scenario
Embrace policies have a clause that allows the company to dispute
claims for procedures done by your veterinarian that they deem were
not medically necessary. This clause could limit the medical procedures
that are covered.
Summary of Coverage and Payout Structure
- Covers cancer, but 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
- Prescription medication coverage is an additional add-on
- Strong underwriter
- Can use any licensed veterinarian you choose
- Offers a variety of annual max payouts that will meet most people's
"Worst Case Scenario Costs"
Additional Comments Regarding All Pet Insurance Companies:
- Make sure you research what customers are saying about the company.
A company may have the 5 components that should be part of a pet insurance
plan, but the company may not be a hit with customers. Sites to check
include but are not limited to, Yelp.com and PetInsuranceReview.com.
Things to look for include but are not limited to: How fast are payments
paid?, What are customers saying about the pre-existing conditions policy?,
How often are claims denied and for what reason?, What is the customer
service experience like?
- Make sure you understand what the waiting periods are.
- Make sure you understand their bilateral conditions policy.
- Make sure you understand any requirements that you must adhere to
to maintain coverage.
- Make sure you read the terms and conditions to get a thorough understanding
of all exclusions.
- Make sure you understand how and when your premium
- If you change plan levels, there is a possibility that all medical
conditions present under the old plan will be considered pre-existing
in the new plan. Make sure you ask the company if this is the case.
- For some companies, pre-existing conditions can be based on symptoms
alone, a diagnosis is not needed. For example, if your pet had a cough
before you applied for pet insurance and this cough was discussed and
written in the pet's medical record, there is the possibility that all
future cough conditions, no matter what the cause, would be considered
pre-existing - even if there was no treatment given. Make sure you ask
the company if this is the case.
- Pet insurance companies are businesses. The top priority of any business
is to make a profit for their stakeholders. Pet insurance companies
can and may change your rates and terms to meet that top priority. A
change of business ownership or underwriters can also be a catalyst
for changes in your rates and terms.
When you purchase pet insurance make sure you have a realistic understanding
of this and how it can affect you.
AKC | ASPCA
| Embrace | Figo | Healthy Paws | PetFirst
| PetPlan | Pets Best
| Trupanion | VPI
| 24 Pet Watch
**Disclaimer:This review is meant to supplement not replace your
own due diligence. Please read all terms and conditions of the pet insurance plan before you buy.
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