Embrace Pet Insurance plans include coverage for exam fees, specialist services, and nearly all types of pet care, whether these are part of the plan or available as add-ons. They offer a complimentary review of pets’ medical histories and alert pet owners about any pre-existing conditions that are not covered. Additionally, pet owners have the option to cancel their plan within 30 days if they’re not satisfied with the service. Discounts are also available for military members and those who enroll multiple pets.

For those seeking a more budget-friendly option with basic coverage, Embrace provides an accident-only plan that can assist with costs if a pet is involved in a vehicle accident or consumes something harmful. The vanishing deductible feature allows Embrace to reduce the annual deductible by $50 for every year that no accident or illness claims are submitted.

Embrace provides various coverage levels for their accident and illness plans, allowing pet owners with diverse needs to find suitable options. The core plan operates on a reimbursement model for treatments not related to pre-existing conditions. Embrace also offers significant customization with three different reimbursement rates, five deductible options, and five coverage limits. Additionally, there is an accident-only plan with a fixed annual deductible of $100, a coverage limit of $5,000, and a 90% reimbursement rate.

Pet owners can enhance their accident and illness coverage through the wellness rewards program, a non-insurance add-on that covers microchipping and vaccinations. This program can reimburse up to $650 annually for wellness treatments. It’s important to note that the Wellness program is not an insurance product; it serves as a budgeting tool and is offered as an additional benefit managed by Embrace Pet Insurance Agency in the United States. The Wellness Rewards program is unavailable in Rhode Island.

Embrace offers competitive pricing for their accident and illness plans. The basic coverage starts at just $7 per month for cats and $14 for dogs. However, the wellness program is pricier than the core plan and can triple the monthly premium, providing limited additional benefits.

Pet owners should also be aware of some less obvious charges. A one-time enrollment fee of $25 applies when signing up a pet, which is not the case with many other providers. Additionally, there’s a $1 monthly fee if the annual policy cost is not paid in advance.

Similar to other insurance providers, coverage does not begin immediately upon signing the contract. Embrace has a shorter waiting period compared to industry standards, with a 2-day policy effective date. For illness coverage, a 14-day waiting period is required before benefits can be accessed, which aligns with the industry average. Orthopedic conditions may have additional waiting or exclusion periods that differ by state.

Embrace does not cover pre-existing conditions. However, they provide a complimentary review of the pet’s medical history for those who sign up for a policy. This review examines the past year of medical records and notifies pet owners if any conditions are classified as pre-existing. Those who receive such notifications can cancel their plan for free within 30 days of starting the policy.

Embrace does not provide unlimited benefits in any of its policies, but higher limit options are available for pets that frequently experience accidents. Annual reimbursement limits can reach up to $30,000, although this may lead to higher monthly premiums.

Embrace aims to simplify the claims process by creating a customized form for each pet. These forms are accessible through the Embrace website or their mobile app. On average, it takes 10 to 15 business days to process a claim and issue reimbursement via paper check or direct deposit.

Embrace’s customer support options are somewhat limited, lacking features like live chat that many other providers offer. They primarily provide support through email and phone. However, they do have a 24/7 health line available for pet owners needing assistance with behavioral issues, medical emergencies, and more, which can be accessed through video conferencing, web chat, or phone calls.