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Compare Embrace Pet Insurance
Comparison Fact Sheet
To get the most from these sheets, please read
the Guide to Pet Insurance
first.
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 Comprehensive 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 1/1/19.
American Southern Home Insurance Company has an AM Best Financial
Strength of "A+" and an Outlook of "Stable" as
of 1/1/19.
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 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 |
Minimum age 6 weeks. Maximum age is 14 years.
Pets older than 14 years are eligible for the Accident-Only plan
|
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? |
Not Clear.
|
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.
|
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 |
Species Covered |
Dogs and Cats |
Accident/Injury - Baseline Coverage |
Covers examinations, diagnostics and lab tests,
surgery, treatments, hospitalization, prescription medications.
|
Illness - Baseline Coverage |
Covers examinations, diagnostics and lab tests,
surgery, treatments, hospitalization, prescription medications.
|
Behavioral Therapy Coverage |
[YES]
Behavioral Therapy is covered when administerd by a veterinarian for a covered condition.
Training is covered under their optional Wellness Rewards.
**See actual policy or call Embrace for a complete description of their Behavior Therapy Coverage.
|
Alternative Therapy Coverage |
The type and amount of Alternative Therapy coverage depends on the state you
live in.
**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, but are not limited to, 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. Temporary Conditions that started prior to the
end of the Waiting Period that have not shown
any Clinical Signs for a period of twelve (12)
consecutive months shall not be considered Pre-existing."
- Bilateral Conditions - "If your Pet has had Clinical Signs, prior to
being insured, of a Bilateral Condition on
one side of the body, she/he runs a higher
risk of the same condition on the other side
of the body and future occurrences of the
same condition will not be covered. For
example, but not limited to, if a dog has
been diagnosed with a cruciate tear in his
left leg before the end of the Waiting
Period, a subsequent cruciate tear in his
right leg shall be considered Pre-existing."
- "Any Pet diagnosed, treated or showing
Clinical Signs of intervertebral disk disease
(IVDD) prior to the end of the Waiting
Period runs a higher risk of further episodes
of IVDD and will not be covered for any
future incidences of this condition."
- "If a Pet has had Undiagnosed masses prior to the end of the Waiting Period, any mass,
or condition where a mass is a Clinical Sign, is not covered, including those caused by cancer. If the cause of the mass that occurred prior to the end of the Waiting Period can be diagnostically narrowed down
via cytology, un-related conditions may be
covered."
- "Orthopedic Accidents and Illnesses
occurring or showing Clinical Signs during
the Orthopedic Waiting Period, even if the
Accident Waiting Period is complete."
- "If a Pet has been diagnosed, treated, or
was showing Clinical Signs of renal disease
prior to the end of the Waiting Period, any
renal Treatments and Medications are not
covered, as well as any related conditions
that may develop. This includes but is not
limited to: vomiting, diarrhea, dehydration,
constipation, blood pressure or pH issues,
and cardiac complications."
- "Osteosarcoma diagnosed or showing
Clinical Signs within the Orthopedic Waiting
Period."
**See actual policy or call Embrace for complete description
of pre-existing conditions. |
Hereditary & Congenital Conditions Coverage |
[INCLUDED] Hereditary and congenital conditions are covered.
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.
**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.
(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)
|
Hip Dysplasia |
[INCLUDED] Included as part of their Hereditary
& Congenital Conditions coverage.
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 may be 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 |
[INCLUDED] - Prescription coverage is included.
**See actual policy or call Embrace for their full description regarding prescription
medications. |
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
The extent of dental coverage for accidents is unclear.
Dental Illness
The extent of dental coverage for illness is unclear.
**See actual policy or call Embrace for full list of inclusions and exclusions.
|
Bilateral Conditions Policy |
"If your Pet has had Clinical Signs, prior to
being insured, of a Bilateral Condition on
one side of the body, she/he runs a higher
risk of the same condition on the other side
of the body and future occurrences of the
same condition will not be covered."
**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, Hereditary and Congenital Disorders, Alternative Therapy,
Continual Chronic Conditions Coverage, Cancer Coverage, Hip Dysplasia
(Refer to each category's section for limitations)
[Optional Add Ons] 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 |
Co-pay |
You can choose from 10%, 20%, or 30% |
Deductible |
Annual deductible.
You can choose
from $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,
$15,000 or $30,000 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. |
Approximate Monthly Costs |
Approximately $10 - $80 depending on the deductible, co-pay, annual max you pick, age of pet, optional add ons, etc. |
*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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