Compare Embrace Pet Insurance

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Embrace
Also Known As / Affiliates / Partners  
Address 4530 Richmond Road
Cleveland, OH 44128
Phone 1-800-511-9172
Website www.embracepetinsurance.com
Plans That Provide Both Accident and Illness Coverage Embrace Accident & Illness Plan*
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by American Modern Home Insurance Company or American Southern Home Insurance Company.

American Modern Home Insurance Company has an AM Best Financial Strength of "A+" and an Outlook of "Stable" as of 8/1/18.

American Southern Home Insurance Company has an AM Best Financial Strength of "A+" and an Outlook of "Stable" as of 8/1/18.

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 14 years or younger.
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 illness. 48 hours or 14 days (depending on the state you live in) for accidents

For dogs only - 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 For dogs - 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? You can use any licensed veterinarian you choose.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact the company for more information on when and how your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Annual Maximum Payout.

(See 'Max Payout Annually' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You can use any licensed veterinarian you choose.
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:
  1. Magnetic Resonance Imaging (MRI) scan
  2. Computer-aided tomography (CT) scan
  3. Partial or complete hip replacement
  4. Cruciate ligament repair
  5. Surgery for dental Injury
  6. Home visits because your pet is unable to travel to the usual location of the veterinarian
  7. 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 [YES]

Embrace covers behavior evaluations/consultations with licensed veterinarians and any related FDA approved medications.

Training, behavior modifications sessions and supplements are covered under their optional Wellness Rewards.

**See actual policy or call Embrace for a complete description of their Behavior Therapy Coverage.
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:
  1. Chiropractic
  2. Acupuncture
  3. Homeopathic
  4. Holistic
  5. Veterinary Orthopedic Manipulation (VOM) and Massage therapy
  6. Therapeutic Laser Treatment
  7. Hydrotherapy
  8. Rehabilitation
  9. Reiki
  10. BICOM Therapy
  11. Hyperbarics
  12. Electro Acupuncture
**See actual policy or call Embrace for a complete description of their Alternative Therapy Coverage.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

Pre-existing conditions include the following:
  1. 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.
  2. 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.
  3. If your pet develops a Intervertebral Disk Disease (IVDD) before your policy effective date or during the waiting period, your pet will not be covered for any future incidences of IVDD, even if it is a different vertebrae that is injured.
  4. 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.
  5. 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 The website and Policy mention coverage for genetic, Breed-specific, and hereditary conditions.

These types of 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.

It is not clear whether or not congenital issues are covered.

**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 are covered up to the Annual Maximum Payout.

(See 'Max Payout Annually' section below)
Chronic Conditions Policy They will not cover chronic conditions that are pre-existing or that occur during the waiting period.
Cancer Coverage [INCLUDED] Must not be pre-existing or occur during the waiting period.

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.

(See 'Chronic Conditions Policy' and 'Pre-existing Conditions Policy' sections above)
Cancer Coverage Limits Cancer will be covered up to the Annual Maximum Payout. (See 'Max Payout Annually' section below)

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.
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 and 'Bilateral Conditions Policy' section below)

For dogs - There is a 6 month waiting period after the policy effective date for orthopedic conditions. This includes hip dysplasia. 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.
Prescription Drug Coverage [OPTIONAL] - Prescription coverage is offered at an additional cost. Coverage is up to the Annual Maximum Payout. Co-pay and deductible apply.

**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.

**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

**See actual policy or call Embrace for complete description
Dental Care (Illness/Accident) Dental Accidents
Dental coverage for accidents is included with the policy. Co-pay and deductible apply for dental accidents.

Endodontic treatments must be deemed medically necessary by Embrace's medical director to be covered.

Dental Illness
In the base policy, treatment for an illness related to the teeth and/or gums is not covered.

Dental illnesses are covered in the optional Wellness Rewards Program, however there is a monetary limit per policy year.

**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.

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] Behavior Therapy (limited), Hereditary Disorders, Alternative Therapy, Continual Chronic Conditions Coverage, Cancer Coverage, Hip Dysplasia, Dental Accidents (limited) (Refer to each category's section for limitations)

[Optional Add Ons] 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
  • Cosmetic procedures not medically necessary
  • Organ transplants
  • Genetic/chromosome testing
  • Prosthetic limbs and devices
  • 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 30%
Deductible Annual deductible.

You can choose from $100, $200, $300, $500, $750, $1000 per year.
Flat Deductible vs % Deductible Flat Deductible
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined It is based on the actual veterinary bill. In the event that your Veterinary Provider charges an amount in excess of those typically charged in your geographic area for identical treatments or professional services or treatments that are not Medically Necessary, they reserve the right to dispute the amount of the charges.
Max Payout Annually You can choose from $5,000, $8,000, $10,000 or $15,000 per year
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 and Yelp.com
Better Business Bureau bbb.org
Additional Info If your pet has FeLV/FIV, Cushing's disease, Addison's disease, or diabetes before enrolling, he/she will be only be eligible for Accident coverage.

The pet you are insuring must have visited a vet within the past 12 months before your coverage can start.

*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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