Embrace Pet Insurance Overview - NerdWallet

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Embrace Pet Insurance Overview

March 11, 2016 Insurance, Pet Insurance
Embrace Pet Insurance Review

Embrace offers a comprehensive health plan for accidents and illnesses, with the option to purchase an extra package related to wellness care. For pets that don’t qualify for the comprehensive plan because of age or health, Embrace offers an accident-only plan.

Embrace customers also have free online access 24/7 to veterinarians for questions.

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Embrace pet insurance at a glance

Note: Some coverage depends on package purchased.
Eligible petsCats and dogs
Pet enrollment ageAge 14 and younger
Vet exam feesYes, if Wellness Rewards is purchased
Accidents & injuriesYes
IllnessYes
Hereditary conditionsYes
Pre-existing conditionsNo. Certain pre-existing conditions that Embrace considers curable, like respiratory infections, are excluded for 12 months.
Cancer treatmentYes
PrescriptionsYes
Imaging (MRI, etc.)Yes
Alternative therapiesYes
Additional coverageCoverage for emergency care, prosthetic limbs and more
Available extrasWellness rewards, at extra cost, for vet exams, vaccinations, toenail trimming and other services; variety of discounts; free 24/7 online “ask a vet” service
Lifelong coverageYes
Other claims informationChoice of deductibles from $200 to $1,000 and reimbursement options of 65%, 80% or 90%

This post was updated. It was originally published on Dec. 7, 2015.

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