What Does Embrace Pet Insurance Cover for Your Furry Friend

Embrace Pet Insurance offers a comprehensive range of coverage options for your furry friend, so you can focus on what really matters - their health and happiness.

Accidents and illnesses are covered, including conditions such as hip dysplasia and cruciate ligament injuries, which are common in dogs.

Broken bones, sprains, and strains are also covered, so you can get your pet the veterinary care they need without breaking the bank.

From minor scrapes to life-threatening conditions, Embrace Pet Insurance has got you covered, with coverage starting from just a few dollars a day.

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Embrace pet insurance covers a wide range of unexpected accidents and illnesses that can happen to your pet, as long as they weren't symptomatic or diagnosed before coverage started.

Embrace covers many treatments your pet may need, including complementary therapies, diagnostic testing, hospitalization and surgery, specialist care, behavioral therapy, emergency veterinary care, prosthetics and mobility devices, and prescription drug coverage.

Here are some specific examples of what Embrace covers:

Embrace also covers long-term illnesses like arthritis and diabetes, with no per-condition limits, and certain breeds are predisposed to specific conditions, such as intervertebral disc disease, allergies, and patellar luxation.

Cancer is a major health concern for pets, and Embrace provides coverage for many types of cancer, including Lymphoma, Lipoma, Osteosarcoma, Mast Cell Tumor, Melanoma, and Hemangiosarcoma. Treatment for cancer can be expensive, but Embrace helps cover costs including consultation fees, testing, surgery, radiation and chemotherapy treatment, rehabilitation, and aftercare.

For most pets, Embrace offers a single policy covering accidents and illnesses, which will reimburse you a certain percentage of your vet bill, up to your annual limit and minus your deductible. This plan covers treatment, hospitalization, and surgery for injuries and illnesses, including cancer, diagnostic tests, hereditary and congenital conditions, dental illnesses, and complementary treatments.

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Here's a summary of what Embrace's accident and illness plan covers:

The accident-only plan for senior pets covers scenarios like accidents, bloat, and emergency conditions, and pays for prescription medication to help treat these accidents in every state except New York.

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Embrace offers a variety of plan options to suit your needs and budget. Their policies begin at six-weeks old and cover accidents and illnesses for up to 15 years old.

You can choose from different coverage levels, with annual limits ranging from $5,000 to unlimited. This means you can select the maximum amount you can claim in any year.

Here are the available coverage levels:

Deductibles also vary, with options starting at $100 and going up to $1,000 per year. This is the amount you pay towards any claim before your insurer starts reimbursing you.

Policy Options for All Ages offer flexibility and protection for pets of all stages of life. You can get coverage for your pet as early as six weeks old, giving you peace of mind from the very beginning.

Accident and illness coverage is available for up to 15 years old, so you can rest assured that your pet will be protected as they grow and mature.

Here are the policy options available for all ages:

Embrace offers different coverage levels to personalize your pet insurance plan. You can choose from various coverage levels, which dictate the maximum amount you can claim in any year.

The maximum annual coverage levels available for accident and illness policies are $5,000 to unlimited. This means you can select a coverage level that suits your needs and budget.

For accident-only pet insurance policies, the coverage limit is fixed at $5,000. This provides a clear understanding of what's covered and what's not.

You can also choose from different deductible options, ranging from $100 to $1,000 per year. This amount is what you pay towards any claim before your insurer starts reimbursing you.

Here's a breakdown of the available deductible options:

Reimbursement amounts also vary depending on your coverage level. For the accident and illness policy, you can choose to be reimbursed for 70%, 80%, or 90% of your vet expenses. The accident-only policy pays 90% of your expenses.

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Embrace offers a range of options to customize your pet insurance plan, making it easier to tailor coverage to your pet's needs and your budget.

You can choose from various annual reimbursement limits, including $5,000 to unlimited.

Embrace's customizable plan also includes optional exam fee and prescription drug coverage.

Deductibles start at $100, giving you flexibility in how much you pay towards claims.

Here are the details on Embrace's customizable plan options:

With Embrace's customizable plan, you can create a policy that suits your pet's age and needs, including policies for senior pets that cover accidents only.

Embrace offers comprehensive coverage for hospitalization and surgery, including required hospital stays, even overnight. This means you can rest assured that your pet will receive the care they need, no matter the situation.

Scheduled or emergency surgery is covered, which is a huge relief for pet owners. You can breathe a little easier knowing that unexpected vet visits won't break the bank.

Embrace will reimburse you for a certain percentage of your vet bill, up to your annual limit and minus your deductible. This can help you cover the costs of hospitalization and surgery, so you can focus on your pet's recovery.

Here are some specifics on what Embrace covers:

With Embrace, you can have peace of mind knowing that your pet is protected in case of an emergency. Whether it's a scheduled surgery or an unexpected accident, Embrace has got you covered.

Embrace covers a wide range of specific conditions and treatments for your pet. Cancer is a major health concern for many pet owners, and Embrace provides coverage for various types of cancer, including Lymphoma, Lipoma, Osteosarcoma, Mast Cell Tumor, Melanoma, and Hemangiosarcoma.

Embrace also covers dental illnesses, including gingivitis, up to $1,000 a year. This can be a significant expense, and having coverage can help alleviate some of the financial burden.

Diagnostic tests, hereditary and congenital conditions, and complementary treatments such as acupuncture and laser therapy are all covered under Embrace's accident and illness plan. Additionally, treatments prescribed by veterinary specialists, such as behavioralists and oncologists, are also covered.

Hereditary and genetic breed conditions are a concern for many pet owners, especially those with purebred dogs and cats. Some breeds are more prone to certain health issues due to their genetic makeup.

Embrace pet insurance provides coverage for treatment of genetic conditions, including diagnostic testing, surgery, and rehabilitation. They also cover congenital conditions, which are health issues present at birth, such as hernias and hypothyroidism.

Certain breeds are more susceptible to specific genetic conditions, such as elbow or hip dysplasia, patellar luxation, and types of cancer. Embrace covers a range of genetic conditions, including diagnostic testing, surgery, and rehabilitation.

Here are some examples of genetic conditions covered by Embrace:

It's essential to note that Embrace covers these conditions as long as they were not symptomatic or diagnosed prior to the start of coverage.

Embrace takes a different view of curable conditions, covering some if your pet has been free of symptoms for 12 months.

Pet insurers generally won't cover incurable pre-existing conditions, so if your dog has been living with hip dysplasia, you won't be able to claim for any treatment related to that condition.

Some curable pre-existing conditions may be covered by Embrace if your pet has been symptom-free for a year, but this is not a guarantee.

Healthy Paws offers reimbursement rates ranging from 50% to 90%, depending on the pet. They also promise quicker claims processing, handling most claims within two business days.

Their plan has no annual or lifetime limits, but they don't sell wellness coverage. This means you won't be able to use them for routine veterinary care, like wellness checkup exam fees.

Healthy Paws is rated 4.0 by NerdWallet, which is lower than Embrace's 5.0 rating. However, they do offer some unique features, such as the ability to pay your vet directly in some cases.

Accidents and Emergencies can be stressful and costly for pet owners. Our cat insurance covers accidents, which includes dental work and diagnostic exam fees.

If your cat gets injured, you can rest assured that our insurance will cover the costs. This can include treatments and ongoing care for your beloved pet.

With our insurance, you can expect claims to be processed in 10-15 days. This means you can focus on your cat's recovery, not on paperwork.

Here are some key benefits to keep in mind:

Embracing pet insurance comes with some restrictions and limitations.

The maximum benefit limit for Embrace pet insurance is $100,000 per year, which can be a relief for pet owners with costly medical bills.

While Embrace covers accidents and illnesses, there are some exclusions, including pre-existing conditions, genetic conditions, and certain breeds.

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If you're considering our pet health insurance plan, it's essential to know what's not covered. Pre-existing conditions are not covered, so if your pet had a condition before you started coverage, you won't be reimbursed for related expenses.

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Some other exclusions include breeding, whelping, or pregnancy, DNA testing or cloning, and deliberate injury by you or anyone in your household. These are clear-cut exclusions that you should be aware of before signing up.

Injury or illness from fighting, racing, cruelty, or neglect is also not covered. This is a crucial point, as it highlights the importance of providing a safe and loving environment for your pet.

Cosmetic procedures like tail docking, ear cropping, and dew claw removal are not covered unless medically necessary. This means that if your pet has a medical issue that requires one of these procedures, you may be able to claim reimbursement.

Here are some other exclusions to keep in mind:

These exclusions are in place to help us keep our premiums low and to ensure that we can continue to provide coverage to as many pets as possible. By understanding what's not covered, you can make informed decisions about your pet's health and well-being.

Embrace pet insurance has some restrictions and delays that you should be aware of before enrolling your pet.

Pets must be at least 6 weeks old to get a policy. In most states, pets 15 and up at the time of enrollment can’t get accident and illness insurance, only coverage for accidents. In California, pets may be enrolled only up to age 4.

A waiting period is the time between when you buy your policy and when your coverage starts. Embrace waiting periods are two days for accidents, 14 days for illnesses, and six months for orthopedic conditions for dogs. You may be able to reduce the latter period to 14 days by taking your dog for an orthopedic exam. There’s no waiting period for routine care with Wellness Rewards.

Here are the waiting periods for Embrace pet insurance:

Embrace offers a range of customizable plans to suit your cat's needs. With annual reimbursement limits starting at $5,000 and going up to unlimited, you can choose the level of coverage that's right for you.

Deductibles can be as low as $100, making it easier to budget for your cat's care. This flexibility is especially helpful if your cat has ongoing health issues.

Embrace also offers optional add-ons, such as exam fee and prescription drug coverage, to further tailor your plan to your cat's specific needs.

When comparing health coverage, it's essential to consider the types of coverage offered by Embrace. Embrace offers one simple policy that covers accidents and illnesses, including exam fee coverage.

This comprehensive coverage is included in their policy, eliminating the need to sort through multiple coverage levels. By choosing Embrace, you can rest easy knowing your pet is protected against the unexpected.

Embrace covers long-term illnesses like arthritis and diabetes, with no per-condition limits. This means you can receive treatment without worrying about additional costs.

Their policy also covers cancer, including radiation therapy and chemotherapy, and associated costs such as consultation, diagnostics, and testing. Embrace covers various health conditions that could affect your dog or cat.

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Here's a breakdown of the types of coverage offered by Embrace:

Embrace's coverage options and availability may vary depending on your location and the age and breed of your pet.

Embrace pet insurance has a strong reputation for being one of the best in the business. They offer a range of coverage options, including accidents, illnesses, and wellness care.

Compared to competitors, Embrace has a more comprehensive coverage plan. For example, they cover up to 90% of veterinary costs, whereas some competitors only cover up to 80%.

Their policy also has a higher annual limit, up to $20,000, compared to some competitors who have a limit of $15,000. This means you can get the care your pet needs without worrying about going over budget.

Embrace's policy also has a shorter waiting period, 5 days, compared to some competitors who have a waiting period of 14 days. This means you can get your pet insured and start protecting them sooner.

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Their claims process is also more streamlined, with an average claims payout time of 5 days, compared to some competitors who take up to 14 days. This means you can get the money you need to care for your pet faster.

Overall, Embrace's policy has more comprehensive coverage, a higher annual limit, shorter waiting period, and faster claims process compared to some competitors.

Plan providers offer a range of options to suit different needs and ages of pets.

Embrace Pet Insurance provides coverage options for pets of all ages, starting from six weeks old. This means you can get your new puppy or kitten insured right from the beginning.

Accident and illness coverage is available for up to 15 years old, giving you peace of mind as your pet grows and matures.

If you have a senior pet, you can opt for accident-only coverage, which is a more affordable option that still provides essential protection.

Here's a quick breakdown of the coverage options: