Embrace

Embrace Pet Insurance Overview

Embrace aims to offer an alternative to existing financial services by offering an upfront and open insurance culture. In 2010, Laura Bennett was named the new Chairperson of the Board of Directors of NAPHIA (North American Pet Health Insurance Association). In the same year, they received the Northcoast 99 Award which named it as one of Northeast Ohio’s best workplaces for top talent.

Address

23625 Commerce Park – Suite 150
Beachwood, Ohio 44122

Underwriter

Underwritten by RLI Insurances and is available in all 50 states, including in the District of Columbia.

Pets that can be insured:

Cats and Dogs.

What is covered?:

Pets must be at least 6 weeks of age before enrollment. Embrace offers one overall coverage plan that includes:

• Accidents
• Illnesses
• Surgery
• Genetic, breed-dependent conditions
• Cancer treatment
• Specialist care
• Chronic Conditions
• Alternative Therapies
• Rehab
• Prescription medication
• Hospitalization

Moreover, Clients may add

• Welfare rewards: covers annual checkup, flea and tick treatments and vaccinations
• Dental rewards: Covers routine teeth cleaning and dental issues

Are pre-existing conditions covered?:

Pre-existing conditions are defined as conditions that have been observed before signing up with Embrace. They differentiates between curable and incurable pre-existing conditions. Curable conditions, such as diarrhea and vomiting, bladder infections or respiratory infections that have occurred before signing up with Embrace are excluded from coverage for 12 months from the last incident. Incurable conditions, such as allergies, cancer, diabetes, orthopedic injuries, skin lumps and other chronic conditions which have occurred or been diagnosed prior to enrollment with Embrace are permanently excluded from coverage.

What is not included in plans?:

• Pre-existing conditions: If curable, these are temporarily excluded from Embrace pet insurance. If incurable, pre-existing conditions are permanently excluded from Embrace coverage
• Any injuries or illnesses that are the result of neglect or cruelty
• Behavioral issues
• Pregnancy and Breeding
• Organ transplants
• Stem cell research
• Avian Flu
• De-clawing, ear cropping or tail docking
• DNA testing
• Cremation or burial
• Prosthetic limbs

Any Vet?:

Any vet can be used.

Policy Duration:

12 months.

Deductible:

Annual deductible instead of “per-incident” deductible. Depending on the plan, deductibles can range $100, $200, $300, $500, $1000 per year.

Pricing:

Starts at $16/month. Pricing can be tailored towards the needs of individual pets. Quotes depend on annual maximum coverage chosen, co-pays, the age of the pet, deductibles etc. Reimbursement can range from 65%, 80% to 90%. Embrace has a maximum annual payout of $5000, $10000 or $15000 pet year. There are no maximum incident or lifetime payouts. And the co-pay can range from 10%, 20% to 35%. For more information please refer to our comparison table to get a free quotes.

Additional Information:

The company describes itself as socially and environmentally conscious and has undertaken various efforts to support animal charities. In 2009, they supported the Tsunami Animal-People Alliance to collect suture material from vet clinics across the US to support people & pets in Sri-Lanka. The company also contributes to the work of Amazon Cares, a foundation which gathers suture material, hypodermic needles and syringes for stray animals in Peru. The company recognizes a couple of core values which drive their company’s operations such as being open, honest, passionate, having integrity and caring about the environmental and the community at large. Most importantly, Embrace emphasizes its commitment to good customer service. Moreover, the company aims to have minimal impact on the environment by following the policy of a paperless office and offering most of its documents in electronic form. The company also allows its workers to bring pets to the office or to work from home in order to save gas and time spent on commuting.