Embrace Pet Insurance:
Customizable plans so you design the plan to fit your wallet
(instead of the other way around)

Embrace Pet Insurance is a great choice.

They have LOTS of discounts that can be stacked! Some include: multiple pets, military, spay/neuter.
They also cover hereditary and congenital conditions.
Plus, they do not follow a benefit schedule so they reimburse you based on what you pay.

Embrace Pet Insurance plans are very customizable, so you can choose the annual coverage you want ($2000- $15000/yr) aswell as the annual deductible (from $100-$1000). In this way, you can create whatever kind of plan that fits your needs. From a catastrophic event, to regular injuries.

They also have many top-ups so that if you don’t want routine care, you don’t have to pay for it unless you choose it. This keeps your monthly premium down.

A draw back is that Embrace Pet Insurance does not cover you if you travel outside of the country. But, if you don’t plan on traveling with your pet then this isn’t a problem.

When I phoned Embrace Pet Insurance, I talked with Lisa. She answered all my questions in a courteous manner.

According to their website, 1 in 3 pet owners claim within their first year of getting coverage, and if they have coverage for 3 years, then 75% of them will make a claim.This just shows that if you have the insurance for 3 years you will probably end up using it.

Below there are 3 charts. The first one explains an overview of the coverage. The second one is about their extra optional plans, and the final chart fully shows their plans.

Click here to visit the actual Embrace Insurance website.

Snapshot Information Chart for Embrace Pet Insurance
% indicates co-payment amount- click here to understand co-payments

Plan	Accidents and Illness	Deductible (Annual)	Max age limit to sign on	Lifetime cover	Price per month (no discounts applied.. MUCH cheaper with discounts)
Budget (20%)	$5000/yr	$500	Illness has a maximum age: Mixed breed dog=8, purebred dog=6, cat mix=10, purebred=8 If older than above ages, then only can get accident	Yes upto $50 000 lifetime	Dog: 14.92-22.31 Cat: $9.72
Everyday (most popular) (20%)	$10000/yr	$300	Illness has a maximum age: Mixed breed dog=8, purebred dog=6, cat mix=10, purebred=8 If older than above ages, then only can get accident	Yes upto $50 000 lifetime	Dog: 27.03-40.42 Cat: $14.22
Select (20%)	$10000/yr	$300	Illness has a maximum age: Mixed breed dog=8, purebred dog=6, cat mix=10, purebred=8 If older than above ages, then only can get accident	Yes upto $50 000 lifetime	Dog: 41.98-55.37 Cat: $31.49
Custom (35, 20, 10%- you choose)	$2000, 5000, 10000, 15000/yr	$100,200,300,500,1000 /yr	Illness has a maximum age: Mixed breed dog=8, purebred dog=6, cat mix=10, purebred=8 If older than above ages, then only can get accident	Yes upto $50 000 lifetime	Dog: $6.22-161.27 Cat: $2.91-101.22 depending on each custom variable
Catastrophic (made from a custom choice)	$15000/yr	$500 or 1000	Illness has a maximum age: Mixed breed dog=8, purebred dog=6, cat mix=10, purebred=8 If older than above ages, then only can get accident	Yes upto $50 000 lifetime	Dog: $11.31-31.88 Cat: $6.16-13.35 depending on deductible (and 20% co-pay)

Wellness Rewards: An annual allowance given for routine care for things such as vaccinations, heart worm, spay/neuter, microchipping, office visits, flea, tick and heartworm preventative. There is no deductible, no co-payment and no waiting period. Basic allowance=$200, Plus allowance=$400. There are no limits for each category either (unlike other companies).

Deductible: you can choose what Deductible you want.For example, you can choose the $15000/year plan and then choose a high deductible. This will create catastrophic insurance for MAJOR illnesses (as an example)…

Extra Additional Add-on Plans for Embrace Pet Insurance

	Annual allowance	What it covers	Deductible / Co-pay	Additional cost
Rx Drug coverage (Excluding NY, FL, WA)	Based on annual limits	Take-home drugs. Not: over the counter drugs like-heartworm, vitamins, non-prescription food.	Included in regular plan co-pay and ded.	Not much
Embrace Wellness Rewards	Basic- $200/yr	Both: Routine care, vaccinations, routine blood and fecal exams, spaying/neuter, over the counter drugs (flea, heartworm), nail trimming, microchipping, anal gland expression, umbilical hernia repair, gastroplexy	0 deductible, 0 co-pay, 0 waiting period	Basic- $14.95/month or 149/yr
	Plus- $400/yr	Plus only=prescription food, PenHIP exam		Plus- $28.95/month or 299/yr
Embrace Dental Rewards(Excluding NY, FL, WA)	$400	Teeth cleaning, dental check-ups, dental x-rays, blood testing and anti-biotics and anesthesia related to dental, crowns, fillings +more	0 deductible, 0 co-pay, 0 waiting period	$28.95/month or 299/yr
Embrace Drug and Dental (NY, FL, WA states only)	Depends on state	Take-home drugs prescribed by a vet (antibiotics, pain relief, allergy meds, insulin and supplies, ear and eye drops etc.)	Included in regular plan co-pay and ded.	Depends on state
		+ dental illnesses (gingivitis, periodontal disease, oral abscesses, cavities, extractions and cleaning when treating illness)

Detailed coverage Chart for Embrace Pet Insurance

	Budget	Everyday	Select	Custom	Catastrophic
Vet fees Accident and Illness	$5000	$10000	$10000	$2000, 5000, 10000, 15000/yr	$15000
Routine Care	-	-	Included with Wellness Rewards	optional	optional
Hereditary Conditions	yes	yes	yes	yes	Yes
Hip dysplasia	yes	yes	yes	yes	yes
Death (replacement cost of pet)	-	-	-	-	-
Cremation	-	-	-	-	-
Euthanasia	yes	yes	yes	yes	yes
Boarding (if owner hospitalized)	-	-	-	-	-
Holiday (trip cancellation)	-	-	-	-	-
Cover Abroad	USA only	USA only	USA only	USA only	USA only
Behavioural problems	-	-	-	-	-
Prescription meds	-	Included with RX Drug coverage	Included with RX Drug coverage	optional	optional
Dental (not teeth cleaning)	-	-	-	optional	optional
Alternative treatment	yes	yes	yes	yes	yes
Breeding, Fertility, Pregnancy	-	-	-	-	-
Medical devices (ex. Wheelchair for dog)	-	-	-	-	-
Lost/Stolen pet adds	-	-	-	-	-
Third party liability	-	-	-	-	-
(dogs only)
Accidental Damage (tenant coverage)	-	-	-	-	-
Grooming and Bathing	-	-	-	-	-
Pet food, Nutritional supplements, vitamins, natural remedies	Only Prescription pet food (under Wellness Rewards plus)	Only Prescription pet food (under Wellness Rewards plus)	Only Prescription pet food (under Wellness Rewards plus)	Only Prescription pet food (under Wellness Rewards plus)	Only Prescription pet food (under Wellness Rewards plus)

Vet fees- Illness or Accident
Routine/Preventative care- is available with an additional Add-on plan.
Hereditary conditions- are covered.
Hip Dysplasia- is covered.
Death- is not covered
Cremation- is not covered.
Euthanasia- is covered.
Boarding-– not covered
Holiday- not covered
Cover abroad- Only cover Vets in the USA.
Behavioral problems- are not covered.
Prescription Meds- can be added with an additional plan. In the states of NY, FL and WA, Drugs can be covered for additional cost under the Drug and Dental plan.
Dental- In the states of NY, FL and WA, Dental can be covered for additional cost under the Drug and Dental plan, in states other than NY, FL or WA, Dental can be added with the Dental Rewards.
Alternative treatment- Embrace Pet Insurance covers the following alternative treatments and specialists (under supervision of a vet): Chiropractic, Acupuncture, homeopathic, holistic, veterinary orthopedic manipulation, massage therapy, hydrotherapy, rehabilitation, Orthopedic specialists, Oncologists, Opthamalogists, Radiologists, Internal medicine experts, Physical therapy.
Breeding, Fertility, Pregnancy- is not covered.
Medical devices- are not covered.
Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays) - not covered.
Third party liability(dogs only)- not covered.
Accidental Damage- not covered.
Grooming and Bathing- not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- Prescription food is reimbursed if you get the Wellness Rewards plus add-on.

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Some Common Answers about Embrace Pet Insurance:

Lifetime insurer (will they cover on going conditions throughout pets life)?
Yes, but only upto the lifetime amount of $50 000

Discounts?
These discounts can be stacked! This is great news for you!
5% for Spay or Neuter
5% Microchipped
These both can be applied once they’re done.
5% Multi-pet (2 pets or more, this 5% is applied to both pets plans)
5% if you pay your bill Annually
5% Military Discount (if you serve in the Army, Navy, Airforce, Marines or Coast Guards)
5% PenHIP if your pet has a score less than 0.3 on each hip

If your company is partners with Embrace you may be eligible for discounts this way too.

Any vet or specific vets only? After hours vets or in home vets?
Yes, any vet.

Can the vet be paid directly?
If it’s over $1000, and your vet must agree. Not for emergency procedures.

If not, How quickly are claims processed?
10-15 business days.

Does Embrace Pet Insurance cover examination fee(if it relates to the injury or illness)?
yes.

All breeds?
yes

Do I stop getting coverage as my dog ages with Embrace Pet Insurance?
no

Does age affect monthly price (as my dog gets older will the monthly premium go up)?
Yes.

Does Embrace Pet Insurance put the monthly price up every year? By how much?
Due to age of your pet and inflation.

Does Embrace Pet Insurance serve all of USA? Is the monthly amount more depending on where I live?
Yes and Yes

Waiting period?
14 days for accident and illness, 6 month for orthopedic (bones, joints).

Do rates increase with more claims/penalized for filing more claims?
no

Maximum lifetime claim amount?
yes- $50 000

What is the co-pay?
Budget, Everyday, Select= 20%
Custom =You can choose between 10, 20, 35% per visit.

Extras included?
None to note.

Money back guarantee?
30day as long as no claims are made.

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What Embrace Pet Insurance doesn’t cover - claims that are directly or indirectly related to:
• Pets under 6 weeks old.
• Pre-existing conditions.
• No coverage for activities that result from: racing, fighting, neglect, breeding, hunting, law enforcement.
• Treatment not recommended by a vet.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

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If you end up going with Embrace Pet Insurance (or any other company), please visit the USA Pet Insurance Reviews page to leave a review or check out other reviews!

To purchase Embrace pet insurance plans, visit the Embrace Pet Insurance website.

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Check out other American Pet Insurance Companies.

24petwatch- another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

ASPCA Pet Health Insurance– 10% of your purchase goes towards helping shelter animals.

Banfield Pet Insurance– Cheaper routine coverage spread out throughout the year to keep your regular vet prices low.

Companion Insurance- 2 plans to choose from.

Healthy Paws Pet Insurance - More customizable plans created by people who love animals.

Pet Assure- pet insurance alternative so you ALWAYS have lower vet bills and your pet will even be covered with pre-existing conditions.

Pet Care Pet Insurance- HUGE assortment of plans to choose from.

Pet First insurance- same price policies for any breed of pet.

Corporation of Pethealth and all their other companies.

Pet Plan insurance - Excellent plans with upto 100% coverage!

Petsafe - Unlimited coverage at reasonable prices.

Pets Best Insurance - Travel to anywhere in the world with your pet and you’ll be covered! Or if you have a pregnant dog, this might be for you!

Quick Care - 5 plans, with one especially for Tenants!

Shelter Care - Great prices and excellent customer service.

Trupanionone plan so it’s easy, you just have to pick the perfect deductible for you.

VPI pet insurance– Originally created by Veterinarians, now covers your pet globally and will also cover Exotic pets and birds!

Pet Insurance Terminology - all the complicated terminology explained simply and easily.

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Click here to check out other USA Pet Insurance companies

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