Embrace Pet Insurance Policy

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About the Policy

Embrace Pet Insurance is one of the most popular pet insurance companies in the United States due to their affordable premiums and diminishing annual deductibles. In addition to pet insurance, they also offer Wellness Rewards, which is a wellness plan to better budget for routine care throughout your dog’s lifetime.

The following information will help you understand what you may receive in an Embrace Pet Insurance policy.

embrace pet insurance policy

How Embrace Handles Pre-Existing Conditions

Pet insurance companies do not offer coverage for pre-existing conditions, but Embrace handles it a bit differently than others. Instead of looking back on your dog’s medical history 48 months, they only look at the last 12 months. This means that if there is a condition before those 12 months that reoccurs, an Embrace Pet Insurance policy can cover the treatment of it.

What an Embrace Pet Insurance Policy Covers

Depending on the needs of your dog (Embrace offers personalized policies), an embrace pet insurance policy offers coverage for:

  • Illnesses
  • Injuries
  • Hospitalization
  • Surgery
  • Emergency
  • Specialty Care
  • Hereditary Conditions
  • Breed-Specific Conditions (i.e. Hip Dysplasia)
  • Congenital Conditions
  • Chronic Conditions
  • Cancer Treatment
  • Behavioral Therapy
  • Diagnostic Testing
  • Prescription Drugs
  • Alternative Therapies
  • Rehabilitation
  • Dental Illness ($1,000 limit per year)
  • Orthopedic Conditions
  • Prosthetic Limbs
  • Mobility Aids

The pet insurance company reimburses up to 90% of vet bills for the treatment or acquisition of the above.

Pet parents seeking a base-level pet insurance plan may want to consider the accident-only plan. This one covers unexpected accidents with a $100 deductible and reimburses up to $5,000 each year.

embrace pet insurance coverage
embrace pet insurance deductible

Diminishing Healthy Pet Deductible

Pet owners enjoy $50 off their annual deductive each policy year they do not receive an accident or illness claim reimbursement. How it works is:

If a pet parent’s deductible is $500 and doesn’t receive reimbursement the first year, the deductible decreases by $50 to make it $450. If no reimbursement is received the second year, the deductible decreases again by $50 to make it $400. Every year that there isn’t reimbursement, the annual deductible decreases by $50 until it is $0. Once a pet parent receives reimbursement, the annual deductible goes back up to what is outlined on the pet’s policy.

Waiting Period Following Enrollment

Pet owners cannot submit a claim as soon as they purchase a pet insurance policy from Embrace. There is a waiting period and the time depends on the situation. For instance, illnesses will not be covered by the policy until 14 days have passed. Injuries from an accident are covered 48 hours after enrollment. Orthopedic conditions are not covered until 6 months but there is a waiver process.

embrace pet insurance waiting period
embrace pet insurance wellness rewards

The Wellness Plan

Like most pet insurance policies, Embrace does not reimburse for routine care. However, they do offer an optional wellness plan they call Wellness Rewards. This added plan to the policy helps pet owners budget for wellness exam fees and other health-related services to ensure their pets remain healthy. A pet owner pays for the costs of the care their pet needs monthly and uses the plan to pay for vet bills. This way, there isn’t a huge amount to pay at once. Plus, there is a discount with using the plan of about $25.

Discounts for an Embrace Pet Insurance Policy

It is possible to receive a discount on an Embrace Pet Insurance policy.

Multi-Pet Discounts – Pet owners with multiple pets covered on a policy may receive 10% off the premium.

Military Discount – Pet parents who are active duty or retired military receive 5% off the pet policy premium.

The Pros and Cons of Embrace Pet Insurance Plans

Embrace offers typical pet insurance plans.

✔️The company doesn’t cover pre-existing conditions, but they only consider 12 months in their medical history review.

✔️They don’t offer coverage for wellness exams, but they have a plan that helps pet owners pay for routine care.

✔️ Over time, the Healthy Pet Deductible reduces when a claim hasn’t been submitted.

✔️ Multiple pets receive a discount as well as members of the armed forces.

✔️ Embrace Pet Insurance reviews are good, but there are some complaints about the increases in premium each policy year.

✔️ There are annual maximums for some care, such as dental illness treatment is only covered up to $1,000.

is embrace pet insurance the best

Is Embrace the Best Pet Insurance?

Dog Ownership Guide recommends Embrace Pet Insurance (not only because it is an affiliate and receives a small commission for each signup). The pet insurance company offers flexible policies for a good price considering the cost of emergency care. The Wellness Rewards plan is a bonus.

Finally, when reading reviews online, you’ll see detailed responses from Embrace in which they look up the account of any one who voices a concern. Most companies do not do that, so it’s something to pay attention to as you’re forming an impression of the pet insurance company.

Request a Free Quote

It doesn’t cost anything for a quote, and you may be surprised by how much it is for your pet’s coverage. After shopping around, you may just find that Embrace really does offer the best pet insurance plan.

embrace pet insurance

Copyright 2005—2021 Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.

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