Compare Embrace Pet Insurance

Comparison Fact Sheet

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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 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 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 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

 

What's Covered
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:
  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. 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."
  2. 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."
  3. "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."
  4. "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."
  5. "Orthopedic Accidents and Illnesses occurring or showing Clinical Signs during the Orthopedic Waiting Period, even if the Accident Waiting Period is complete."
  6. "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."
  7. "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

 

How The Policy Works
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.

 

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  

*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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