Pet owners can also choose to add optional Wellness Rewards to their accident and illness plan with Embrace. If a pet has a curable pre-existing condition and is symptom-free for 12 months, Embrace might begin to cover that condition in the future. While no pet insurance company covers pre-existing medical problems your animal has when you sign up, Embrace distinguishes between incurable pre-existing conditions and those animals can recover from. The accident and illness plan can help offset the cost of vet bills associated with:Įmbrace's willingness to cover genetic and hereditary conditions makes it stand apart from competitors, many of whom exclude common breed-specific conditions or congenital defects.Įmbrace also sets itself apart from other pet insurance providers based on its policy related to pre-existing conditions. But it’s important to understand how the best pet insurance works with Embrace before you decide if it’s the right option for your pet.Įmbrace Pet Insurance offers an accident and illness plan and an optional plan that covers routine care. What coverage does Embrace Pet Insurance offer?Īnyone who has ever faced emergency vet bills knows pet insurance is worth it, as these bills can add up very quickly. This type of coverage doesn't provide treatment for illnesses, but it is available even to pets 15-years-of-age and older. This is separate from your accident and illness coverage.įinally, Embrace also accident-only coverage. You can choose a plan that covers between $250 and $650 per year in wellness care. You also have the option to add wellness coverage, which pays for routine care. Embrace offers a unique diminishing deductible as well, which can reduce the amount you have to pay out of pocket by $50 for each year that you don't make a claim. In addition to other options for customizing your accident and illness coverage, you can also choose your annual deductible with set options ranging from $200 to $1,000. Alternative therapies such as acupuncture and physiotherapy.Specialist care, such as treatments provided by an oncologist or internal medicine expert.There is no separate per-condition limit on the amount covered when your pet becomes ill, and both consultation and exam fees at licensed vets are included if your dog or cat has an accident or gets sick. You can choose to have between 70% and 90% of vet bills covered for accidents or illnesses and can pick an annual reimbursement limit between $5,000 and $30,000 for accident and illness plans. The company donates $2 to charity for every pet insurance policy sold, and it promises to provide "genuine support" to those who become policyholders.Įmbrace offers customizable pet insurance coverage. Today, Embrace touts its core values as personal responsibility, being passionate, customer satisfaction, and giving back. It has also formed partnerships with other organizations, including Armed Forces Insurance and the Helen Woodward Animal Center, a non-profit animal welfare organization. The company sold its first pet insurance policy on October 10, 2006, and has been expanding ever since.Įmbrace partnered with the American Modern Insurance Group in 2012, an insurance carrier with an A+ Superior rating from AM Best, a service that measures the financial health of insurance companies. How to maximize your savings with EmbraceĮmbrace started as a 2003 business plan competition winner at the Wharton School of the University of Pennsylvania.How to get insurance coverage from Embrace.What coverage does Embrace Pet Insurance offer?.
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