Embrace Review

If you’re a pet owner, you’re very familiar with the high costs of caring for a cat or dog. But why struggle with vet bills and other medical expenses when you can secure health insurance for your pet? In fact, getting a policy with them could help you reduce your out-of-pocket costs for all kinds of pet health woes.

Embrace Pet Insurance offers plans and policies that can cover preventative veterinary care, unexpected medical events and accidents, and even hereditary or chronic health conditions. So, if you’re worried about what kinds of health crises might be in your pet’s future, an Embrace policy can actually protect against the expenses of a future diagnosis.

Pet insurance with Embrace can give pet owners peace of mind when it comes to carry for furry friends.

Types of Insurance Available: Embrace offers plans that can be customized by pet owners to meet any needs. The most common insurance plan is Nose-to-Tail, which covers your pet with comprehensive coverage with up to 90 percent reimbursement. Pet owners can also choose to add their optional Wellness Rewards plan which reimburses for routine veterinary care, and Accident-Only, which is available only when you call into Embrace to request this plan for pets under the age of 15.

Animals Covered: Embrace Pet Insurance offers plans and policies that cover both cats and dogs. The breeds include common dogs like bulldogs, poodles, and terriers and common cats like domestic short hairs, sphynx, and ragdolls. Insurance isn’t limited solely to these breeds, so check with Embrace about your pet’s breed.

Great For: Anyone who has a pet living with a chronic health condition, breed-specific owners, and those whose pets require long-term prescription medications.

Pros

Cons

How Embrace Pet Insurance Policies Work

Embrace Pet Insurance is focused on covering pets’ medical costs from nose to tail. That’s why Embrace’s most popular policy is the Nose-to-Tail coverage. This is a comprehensive insurance plan that reimburses up to 90 percent of your expenses towards vet bills.

The Embrace Nose-to-Tail coverage includes:

In addition to these specific medical needs, the Nose-to-Tail coverage also includes reimbursement for treatments like:

Embrace insurance policies also include other perks and benefits.

All plans come with a diminishing deductible feature called the Healthy Pet Deductible. If you don’t receive a claim payment in a single year, your deductible will decrease by $50. Additionally, you can add on Embrace’s optional Wellness Rewards plan to your policy for Routine Care. This plan reimburses pet owners for preventative vet care, grooming, and training. That’s a great incentive to stay on top of your pet’s health.

When it comes to preexisting conditions, Embrace works to evaluate your pet fairly. Embrace will distinguish between curable and incurable preexisting conditions. Curable conditions can qualify for coverage. Your pet will need to wait until they’re symptom-free for 12 months and no longer undergoing treatment for their condition.

Policy Costs

Regardless of your cat or dog’s breed or age, all Embrace plans start at $15 per month.

Of course, the cost of your pet insurance premium can vary. Embrace calculates your premium cost based on several factors, such as your pet’s age, your coverage choices, and your pet’s breed. Keep in mind that other factors may affect your premium cost too.

The best way to find out how much the type of pet insurance you’re looking for will cost is to get a quote from Embrace. That way, you can factor in different options like accident-only coverage, Wellness Rewards coverage, or other potential customizations.

Filing a Claim

Once you’re ready to put your Embrace policy to work, you’ll need to know how to file a claim.

Embrace Pet Insurance works in a manner that’s opposite to human health insurance. You’ll have to pay for your pet’s medical expenses up front, then submit a claim in order to be reimbursed for your costs.

Fortunately, it’s easy to get reimbursed by Embrace. You just need to complete a claim form, which you can do online, on paper, or via the Embrace mobile app. You’ll need to include information from your vet’s office, including medical details and the costs you paid for each service performed. Then, you’ll attach an itemized invoice from your vet.

From there, you can fax, email, or upload your claim online through the MyEmbrace portal or app. Embrace tends to process claims made in the mobile app or online via the MyEmbrace portal fastest, so online claims are the best way to get reimbursed. You can keep track of what’s happening with your claim via your MyEmbrace account right online or in the app.

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. © 2020 American Modern Insurance Group, Inc.   +  Wellness Rewards not available in Rhode Island.