Embrace

Embrace

Based in Cleveland Ohio, Embrace Pet Health Insurance offers pet insurance in all 50 states.

Embrace offers several different options that provide different services. These are:

  • Crème de la Crème – $200 annual deductible, 20% coinsurance, $10,000 annual maximum, no per incidence limits. Covers accidents & illnesses, genetic & chronic conditions, prescription drugs and wellness. Does not cover dental illness.
  • Most Popular – $300 annual deductible, 20% coinsurance, $10,000 annual maximum, no per incident limits. Covers accidents & illnesses, genetic & chronic conditions, prescription drugs. Does not cover dental illness or wellness.
  • Budget Conscious – $500 annual deductible, 20% coinsurance, $5,000 annual maximum, no per incidence limits. Covers accidents & illnesses, genetic & chronic conditions. Does not cover take home prescription drugs, dental illness, or wellness.

Embrace allows its customers to visit any licensed veterinarian, whether general, specialist or emergency, without restriction. Owners may also use licensed vets in Canada and Mexico if their pet happens to fall ill or suffer an injury whilst on holiday.

Embrace offers several discounts of 5% including a discount to all pets that have been spayed or neutered, all those whose owners serve in the U.S. armed forces, a multi-pet discount, and any pet that has been PennHIP tested of a score of 0.3 or lower.

Furthermore, if you pay your policy in full each year then they will also give you a 5% discount as an annual pay discount.

If you or your pet is eligible for more than one of these discounts then they may be used in conjunction with one another. If ordering your policy online you will need to answer a series of questions detailing the type and medical condition of your animal. You will then arrive at a summary screen where you will be informed of the discounts for which your pet is eligible.

Embrace offers lifelong protection for your pet and covers any chronic conditions that may arise, such as allergies, cancer and diabetes. Hereditary and breed related issues are covered, providing they occur after insurance is procured (are not pre-existing).

Embrace covers a pre-existing condition so long as it is considered curable, though any related recurrence will be excluded for 12 months from the date of the last episode. If it is considered incurable then it will not be covered. There are different levels of annual coverage available, ranging from $2,000 to $10,000 and there are no lifetime caps or per-incident limits.

All Embrace Pet Health Insurance policies have a 14-day waiting period for accidents and illnesses and (for dogs only) a 6-month waiting period for orthopedic conditions. Both waiting periods start on the date your policy becomes effective. Conditions that occur during the waiting period are not covered

With Embrace, your pet is not covered in the event of nuclear war, just in case you weren’t sure.