Embrace Pet Insurance Review & Prices 2024

Pet owners know that it can cost a lot to take care of a pet friend. The cost of veterinary care can quickly mount up, whether it’s for regular checkups or for sudden illnesses and accidents. This is why pet insurance has grown in popularity over the last few years.

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What is pet insurance?

Pet insurance is a type of insurance that helps cover the cost of veterinary care for your pet. It may help you pay for unplanned costs like emergency surgeries, dental work, and long-term illness care.

How does pet insurance work?

Pet insurance works a lot like health insurance for people: you pay a monthly fee to the insurance company, and in return, they pay for some of your pet’s vet bills. There are, however, some important differences between health insurance for people and insurance for pets.

System based on reimbursement: While most health insurance plans for people let you see any doctor in their network, most pet insurance plans work by repaying you. This means you will have to pay for the doctor care for your pet up front and then file a claim with your insurance company to get your money back.

Coverage exclusions: Most pet insurance plans don’t cover pre-existing conditions, routine care, or cosmetic treatments. Other things that they might not cover are certain types of pets or pets that have certain health problems.

Policy options: Different pet insurance companies offer different policy options with different amounts of coverage, deductibles, and rates of reimbursement. The costs of your premium will rely on the policy you pick, as well as your pet’s age, breed, and health.

In what ways does Embrace pet insurance help?

There are two types of coverage from Embrace Pet Insurance: accident-only and accident-and-illness. There are some differences between the two plans when it comes to the types of vet bills that are covered.

Accident-only plans

Accident-only plans pay for certain veterinary costs that are tied to accidents, like injuries from car accidents, falls, or bites. Some examples of costs that are covered are

Surgery
Hospitalization
Emergency care
Diagnostic testing
Prescription medications

Accident-and-illness plans

Accident and illness plans pay for certain veterinary costs that are linked to accidents and illnesses. Some examples of costs that are covered are

All of the expenses covered by accident-only plans
Treatment for illnesses, such as cancer, heart disease, and diabetes
Chronic conditions
Hereditary and congenital conditions
Dental emergencies

Additional coverage options

You can also add a few extra types of coverage to your insurance through Embrace, such as

Wellness Rewards: This optional wellness plan pays for regular medical costs like shots, checkups, and spaying or neutering your pet.
Breed-specific and congenital disease coverage: This is an extra benefit that you can choose to have. It helps pay for the care of genetic and birth defects that are common in certain pet breeds.
Euthanasia and end-of-life care: If your pet gets very sick and won’t get better, this extra coverage can help pay for the costs of euthanasia and end-of-life care.

What is not covered

Pet insurance doesn’t cover conditions that were there before the policy starts, regular care, or cosmetic treatments. You should know about pre-existing conditions if your pet had symptoms of them before you bought the insurance. Vaccinations, checkups, and spaying or neutering are all examples of routine care. There is no coverage for cosmetic procedures because they are not physically necessary.

Coverage limits

There are coverage limits on Embrace pet insurance plans. These limits tell you how much the insurance company will pay for each type of cost. This could mean that your plan’s accident coverage cap is $10,000 per year and its illness coverage cap is $20,000.

Deductibles and reimbursement rates

Plans for Embrace pet insurance also have fees and rates for paying out claims. The deductible is the amount of money you have to pay out of pocket before your insurance starts to pay for things. The reimbursement rate tells you how much of your qualifying costs your insurance company will pay for. As an example, if your deductible is $500 and your repayment rate is 80%, you would have to pay $500 out of pocket and the insurance company would pay back 80% of the rest.

Embrace Pet Insurance Review

Embrace Pet Insurance is a reputable pet insurance company that has been in business since 2004. The company has an A+ rating from the Better Business Bureau and has been awarded the 2023 NerdWallet Pet Insurance Brand of the Year.

Embrace Insurance has plans that are reasonable for both cats and dogs. Accident-only plans from the company start at $7 a month for cats and $14 a month for dogs. Accident and sickness plans for cats start at $23 a month and for dogs, they cost $39 a month.

A lot of people know that Embrace Pet Insurance has great customer service. The company has a pet helpline that is open 24 hours a day, seven days a week, and a team of customer service reps who can answer your questions.

Embrace Pet Insurance Prices

How much Embrace Pet Insurance costs will depend on the plan you pick, your pet’s age and breed, and where you live. But dog insurance costs about $30 to $40 a month and cat insurance costs about $15 to $20 a month.

Is Embrace Pet Insurance worth it?

There are many factors that affect whether or not Embrace Pet Insurance is worth the money. You might not need pet insurance if your pet is healthy and you are okay with paying for vet care out of pocket. Pet insurance can be a good idea, though, if you have a pet with a long-term illness or are afraid about how much unexpected vet bills will cost.

These are some of the good things about Embrace Pet Insurance:

Protects against accidents and illnesses
Plans that are cheap for cats and dogs
offers a pet service 24 hours a day, seven days a week
Getting an A+ from the Better Business Bureau

These are some bad things about Embrace Pet Insurance:

It doesn’t cover regular care like checkups and shots.
Does not cover pre-existing illnesses
Could have higher rates for older pets

Embrace Pet Insurance is a good choice for pet owners who want cheap coverage that covers a lot of things. There are many deals to choose from, and the company has a good name.

What you need to get Embrace Pet Insurance

In order to get Embrace Pet Insurance, you’ll need to give some basic details about yourself and your pet. Among these are:

Your name and contact information
Your pet’s name, breed, and age
Your pet’s vaccination history
Your pet’s recent medical history

Because of your pet’s age and health, you might also be asked to give copies of its medical papers.

It doesn’t matter what kind of health background your pet has; you can still get a quote and apply for a policy through Embrace Pet Insurance. Pre-existing illnesses, on the other hand, have to wait. In the first 30 days of a policy, Embrace Pet Insurance will not pay for any costs tied to conditions that were there before the policy started.

After you apply for a policy, you will get a welcome email with steps on how to start using your insurance. You will also be able to make an online account that lets you see information about your insurance, file claims, and pay your bills.

Here are some specific documents that you may need to provide to Embrace Pet Insurance:

A valid veterinary certificate of health is proof that your pet is healthy and up to date on shots. It comes from your vet.
If your pet has been spayed or neutered, you can show proof of that. This can be a copy of the surgical paperwork or a note from your vet.
If your pet is microchipped, show proof of that. This could be a copy of the microchip registration paper or a note from your vet.

As soon as you send in all the necessary paperwork, your insurance will be activated, and you can begin using your coverage.

What you need to file a claim with Embrace Pet Insurance

Embrace Pet Insurance has different forms of paperwork that you need based on the type of claim you are making. But here are some of the most popular documents:

For all claims:

Vet bills with items: These bills should have the date of service, the name of the veterinary clinic, the treatments done, and the amount charged for each one.
Records about your pet’s health: These records should include all of their diagnoses, treatments, and medicines.
Prescriptions: You will need to send a copy of the prescription if your pet was given any medicine.
Diagnostic tests: You will need to send a copy of the results of any diagnostic tests your pet had, like X-rays or blood work.

For accident claims:

Accident report: If your pet was in a car accident, you will need to show either a police report or an accident report from your insurance company.
Statements from witnesses: You will need to send in the statements of any people who saw your pet’s accident.

For illness claims:

Diagnoses: You will need to send in a diagnosis from your doctor.
Treatment plan: If your pet has a long-term illness, you will need to show a treatment plan from your vet.

How to submit your documents

Your paperwork can be sent to Embrace Pet Insurance by email, fax, or mail. These papers can also be sent online through your Embrace Pet Insurance account.

Tips for submitting your documents

Make sure your documents are complete and legible.
Submit your documents as soon as possible after your pet’s veterinary care.
Keep copies of all your documents for your records.

Embrace Pet Insurance tries to handle claims in 10 to 14 working days. However, the time it takes to process your claim may change based on how complicated it is.

Please call Embrace Pet Insurance’s customer service team if you have any questions about the paperwork you need to file your claim.

How to file a claim

When you want to make a claim with Embrace pet insurance, you will need to show proof that your pet got medical care. Detailed bills, medical records, and any medications or diagnostic tests may be part of this. The insurance company will then look over your claim and decide if they will pay for any of the costs you listed.

Here’s how to file a claim with Embrace Pet Insurance:

Get all the paperwork you need: Before you start making your claim, make sure you have all the paperwork you need, such as itemized vet bills, medical records, prescriptions, diagnostic tests, and any accident reports or witness statements that are relevant if the claim is for an accident.
Pick the way you’d like to send your claim. You can do it online through your Embrace Pet Insurance account, by mail, by fax, or by email.
Send in your claim: Depending on the way you choose, follow the on-screen instructions. If you’re submitting online, you’ll need to upload the necessary papers and give information about your pet’s condition, treatment, and costs. Send the papers and a fully filled-out claim form to the address or fax number given if you are sending them by mail or fax. When sending documents by email, include them as attachments and include important information in the body of the email.
Check on the state of your claim: Once you’ve sent in your claim, you can use your Embrace Pet Insurance account to check on its status online. You can also call customer service to find out what’s going on.

For the most part, Embrace Pet Insurance will process claims within 10 to 14 business days. However, the time it takes may rely on how complicated your claim is and how quickly you can provide the necessary paperwork.

Additional Considerations

It’s important to think about the following things when picking a pet insurance plan:

Type of plan: Plans that only cover accidents are cheaper, but they don’t cover sickness. Plans that cover accidents and illnesses are more complete, but they cost more.
Deductible: The deductible is the amount of money you have to pay out of pocket before your insurance starts to pay for things. You will pay less each month if you raise your deductible, but you will have to pay more out of pocket before your insurance starts to pay.
Rate of reimbursement: The reimbursement rate tells you how much of your eligible costs your insurance company will pay for. For every dollar you get reimbursed, the monthly payment will go up. However, you will have to pay less out of pocket.
Insurance coverage limits: These are the most your insurance company will pay for each type of cost. While more coverage will give you peace of mind, it will also make your monthly price go up.

Also, make sure you read your policy’s small print carefully to know what it covers and what it doesn’t.

In Conclusion

Embrace Pet insurance can be a good thing for pet parents to buy. It can help you pay for unexpected vet fees and give you peace of mind that your pet is protected. But before you buy, you should look at a few different deals to make sure you’re getting the best deal.

Also, make sure you read your policy’s small print carefully to know what it covers and what it doesn’t.

If you own a pet and want cheap, all-around coverage, Embrace Pet Insurance is a good choice. There are many deals to choose from, and the company has a good name.

We suggest that you get quotes from more than one company if you are thinking about buying pet insurance. This will help you find the best plan for your needs by letting you compare prices and types of coverage.

We hope this blog post was useful. Feel free to leave a question or message below.

FAQs

How long does it take to get reimbursed by Embrace pet insurance?

Embrace pet insurance will pay you back in a certain amount of time, which will depend on how complicated your claim is. But most claims are taken care of in 10 to 14 working days.

Can I cancel my Embrace pet insurance policy?

You can certainly stop your Embrace pet insurance plan whenever you want. You will, however, have to pay any fees that are still due.

What is the best pet insurance company?

This question doesn’t have a simple answer because the best pet insurance company for you will rely on your needs and situation. Embrace pet insurance, on the other hand, is a good choice for many pet owners because it has a range of plans at low prices.

What is a deductible in pet insurance?

A deductible is the amount of money you have to pay for your pet’s vet bills before your insurance company starts to pay for them. Say your deductible is $500. You will have to pay the first $500 of your pet’s vet bills out of your own pocket. After that, the rest of the costs will be covered by your insurance company.

What is a reimbursement rate in pet insurance?

A reimbursement rate tells you how much of your qualified veterinary costs your insurance company will pay for. Say you have an 80% reimbursement rate. This means that your insurance company will pay for 80% of the eligible costs, and you will have to pay the other 20%.

What is pre-existing condition in pet insurance?

A disease that your pet had symptoms of before you bought pet insurance is called a pre-existing condition. Most pet insurance plans don’t cover illnesses that were there before the policy started.

What is routine care in pet insurance?

Routine care includes things like shots, checkups, and spaying or neutering. Most of the time, regular care is not covered by pet insurance.

What is a co-pay in pet insurance?

A co-pay is a set amount of money that you have to pay each time your pet goes to the vet, even if your insurance company covers the cost. For instance, if your co-pay is $50, you will have to pay that amount for every vet visit, even if your insurance company pays the rest.

What is coverage limit in pet insurance?

A coverage cap tells you how much your insurance company will pay for each type of cost. Say your accident coverage cap is $10,000. That means that your insurance company will not pay more than $10,000 in accident-related costs in a year.

What is a waiting period in pet insurance?

You have to wait a certain amount of time before your insurance company will start to pay for certain costs. For instance, some pet insurance plans have a 30-day accident waiting time. This means that your insurance company won’t pay for costs related to an accident until 30 days after you buy the policy.

What is exclusion in pet insurance?

An exclusion is a kind of cost that your insurance company won’t pay for. For instance, some cat insurance plans don’t cover certain breed-specific illnesses or cosmetic procedures.

What is a premium in pet insurance?

The fee you pay each month or each year for your pet insurance is called a payment. The amount of your premium will rely on a number of things, like the plan you pick, your pet’s age and breed, and where you live.

What is a claim in pet insurance?

A claim is a letter to your insurance company asking them to pay you back. You will have to make a claim if your pet needs medical care and you want to get your money back.

What is a policyholder in pet insurance?

When someone has pet insurance, they are called an insured. It is up to the policyholder to pay the fees and make claims.

What is a beneficiary in pet insurance?

Who will get the money from the pet insurance coverage if the policyholder dies? This is called a beneficiary. The person who owns the insurance can pick the beneficiary. The beneficiary can be anyone, even a pet.