Embrace Pet Insurance:
|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||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||Yes upto $50 000 lifetime||Dog: $11.31-31.88 Cat: $6.16-13.35 depending on deductible (and 20% co-pay)|
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
|Vet fees Accident and Illness||$5000||$10000||$10000||$2000, 5000, 10000, 15000/yr||$15000|
|Routine Care||-||-||Included with Wellness Rewards||optional||optional|
|Death (replacement cost of pet)||-||-||-||-||-|
|Boarding (if owner hospitalized)||-||-||-||-||-|
|Holiday (trip cancellation)||-||-||-||-||-|
|Cover Abroad||USA only||USA only||USA only||USA only||USA only|
|Prescription meds||-||Included with RX Drug coverage||Included with RX Drug coverage||optional||optional|
|Dental (not teeth cleaning)||-||-||-||optional||optional|
|Breeding, Fertility, Pregnancy||-||-||-||-||-|
|Medical devices (ex. Wheelchair for dog)||-||-||-||-||-|
|Lost/Stolen pet adds||-||-||-||-||-|
|Third party liability||-||-||-||-||-|
|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)|
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
These discounts can be stacked! This is great news for you!
5% for Spay or Neuter
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)?
Do I stop getting coverage as my dog ages with Embrace Pet Insurance?
Does age affect monthly price (as my dog gets older will the monthly premium go up)?
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
14 days for accident and illness, 6 month for orthopedic (bones, joints).
Do rates increase with more claims/penalized for filing more claims?
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.
None to note.
Money back guarantee?
30day as long as no claims are made.
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.
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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