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Compare Embrace Pet Insurance
Comparison Fact Sheet
Updated 8/19/2023
To get the most from these sheets, please read
the Guide to Pet Insurance
first.
| Company Name |
Embrace |
| Also Known As / Affiliates / Partners |
Allstate, American Family Insurance, USAA, Geico, AAA, AMAC, AFI.org |
| 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 and Illness Plan * |
| States Covered |
Available in all states except Maine |
| Underwriter and AM Best Financial Strength Rating |
Insurance underwritten by American Modern Home Insurance Company.
American Modern Home Insurance Company has an AM Best Financial Strength
of "A+" and an Outlook of "Stable" as of 8/19/2023.
For the most recent ratings go to: AM
Best.
|
| Year Company Started |
2006 |
| Policy Term |
Not Clear |
| 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 - Up to 15 years. After 15, pets are eligible for an accident-only plan at signup.
|
| Cancellation Policy |
Ask for a current copy of their insurance policy
so that you may review their cancellation policy |
| Waiting Period |
14 days for
illness.
48 hours for accidents.
6 months for orthopedic conditions. (Based on their website, this may only apply to dogs, contact Embrace to confirm)
You may be able to reduce the waiting period for orthopedic conditions to 14 days by following their Orthopedic Exam and Waiver Process. (Contact Embrace for details)
**Waiting Periods can vary by state. See actual policy or contact Embrace to confirm the waiting periods for your state. |
| Waiting Period for Cruciate Injury |
6 months for cruciate injury. (See 'Waiting Period' section above)
You might be able to reduce the waiting period for orthopedic conditions to 14 days by following their Orthopedic Exam and Waiver Process. (Contact Embrace for details)
**Waiting Periods can vary by state. See actual policy or contact Embrace to confirm the waiting periods for your state.
|
| Coverage When Travel Out of State or Country? |
Embrace states you can visit any vet, but it is unclear if this includes vets outside of the United States.
|
| 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 by how much 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 Maximum Payout.
(See 'Max Payout' section below) |
| Can the Price of the Policy Increase
if a Claim is Filed? |
No |
| Choice of Vet? |
Embrace states you can visit any vet, but it is unclear if this includes vets outside of the United States. |
| Money Back Guarantee? |
There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.
*May vary by state
|
| 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 exams, diagnostics and lab tests,
surgery, treatments, hospitalization, prescription medications.
|
Illness -
Baseline Coverage |
Covers exams, diagnostics and lab tests,
surgery, treatments, hospitalization, prescription medications.
|
| Behavioral Therapy Coverage |
[INCLUDED]
Behavioral Therapy is covered when administered by a veterinarian for a covered condition.
**See actual policy or contact Embrace for a complete description of what types of Behavioral Therapy are covered
|
| Alternative Therapy Coverage |
[INCLUDED]
**See actual policy or contact Embrace for a complete description of what types of Alternative Therapy are covered.
|
| Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
According to their sample policy, 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."
"For the purposes of these exclusions, Temporary Conditions that started before 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 Conditions."
**See actual policy or contact Embrace for complete description
of their pre-existing conditions policy. |
| 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.
Hereditary and congenital conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
| Continual Coverage for Chronic Conditions
|
[INCLUDED] Continual coverage for chronic conditions is included with the policy.
Chronic conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
| Chronic Conditions Policy |
Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Chronic conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
| Cancer Coverage |
[INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Osteosarcomas (bone cancer) falls under the 6 month waiting period for orthopedic conditions. (See 'Waiting Period' section above)
According to their sample policy: "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."
|
| Cancer Coverage Limits |
Cancer conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below)
|
| Hip Dysplasia |
[INCLUDED]
Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.
This condition is covered up to the Maximum Payout.
(See 'Max Payout' section below)
Hip dysplasia may be considered a bilateral condition.
(See 'Bilateral Conditions Policy' section below)
There is a 6 month waiting period after the policy effective
date for orthopedic conditions. (See 'Waiting Period' section above).
You may be able to reduce the waiting period for orthopedic conditions to 14 days by following Embrace's Orthopedic Exam and Waiver Process. |
| Prescription Drug Coverage |
[INCLUDED]
**See actual policy or contact Embrace for their full description regarding prescription
medications. |
| Pregnancy Coverage |
[NO] |
| Routine/Wellness Coverage |
[OPTIONAL]
Routine/Wellness Coverage is available for an additional fee.
**See actual policy or contact the company for a 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 Accidents are covered as long as they are not pre-existing and have not occurred during the waiting period.
They cover endodontic treatment (root canal, crowns, etc) for dental injuries. It is not clear if orthodontic treatment (crown amputation, etc) is covered as well.
Dental Illnesses are covered up to a $1,000 Annual Maximum as long as they are not pre-existing and have not occurred during the waiting period.
It is not clear if endodontic and orthodontic treatments are covered for dental illnesses.
**See actual policy or contact Embrace for full list of inclusions and exclusions.
|
| Bilateral Conditions Policy |
According to their pre-existing 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. 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."
**See actual policy or contact Embrace for a list of medical conditions that are considered bilateral for the purpose of exclusion 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] Cancer, Prescription Medications, Behavioral Therapy, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (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 contact 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
- Organ transplants
...See policy for a complete listing |
| Reimbursement |
Choose from 70%, 80%, or 90% |
| Deductible |
Annual Deductible
Choose from $100, $250, $500, $750, or $1,000 |
| Flat Deductible vs % Deductible |
Flat Deductible |
| Deductible Per Incident vs Annual Deductible |
Annual Deductible |
| How is Reimbursement Determined |
Reimbursement is based on Actual Vet Bill
Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
|
| Max Payout Annually |
Choose from $5,000, $8,000, $10,000, $15,000.
Unlimited payout may be available in some states. Call the company for details.
There is a max payout of $1,000 annually for Dental Illness. (See 'Dental Care -Illness/Accident-' section above)
|
| 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 $20 - $230 depending on your location, the options you pick, 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 contacting the company or reading the most current policy for your state. 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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If you use data from this website as a research point for your own website or
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