The maximum available reimbursement is 90%, with options for 70% and 80% as well. The plan can be customized in terms of the coverage limits, deductible, and reimbursement rate in order to meet various budgets and needs. These are all common to this type of policy. Some other exclusions include injury caused intentionally by the owner or through dog fighting, cruelty, or neglect, and cosmetic procedures. Additionally, wellness and preventative care are not covered under this policy. The most common exclusion on pet insurance is pre-existing or genetic conditions, which are also excluded here.

Behavioral therapy, alternative therapy, and rehab.

Hereditary and Breed-specific conditions.

This plan covers a comprehensive list of conditions, including some items not covered by other policies. The Embrace Plan is an accident and illness plan available to dogs and cats.

The Wellness program is only offered as an add-on to the Embrace Plan at this time it cannot be purchased separately. They also offer their Wellness Rewards to cover preventative care as an option to add on. Secured with SHA-256 Encryption Embrace Pet Insurance ProductsĮmbrace offers their standard accident and illness pet insurance plan. Unlike most pet insurance companies, Embrace also offers a routine care plan that can be tacked on to the major medical plan. They also sponsor a variety of other pet-related charitable events, and they run an Office Foster Program for animals in need of foster care. Policies are sold online and over the phone.Įmbrace donates $2 for every pet insurance policy sold to a pet-related charity, and for every insured pet that passes away, they make a $10 donation to a local animal shelter. This pet insurance provider is headquartered in Cleveland, OH, and offers its policies across the U.S. In 2012, American Modern Insurance Company became the underwriter for Embrace, and by 2017 the company reached the 100,000-policy mark.

Embrace started out in 2003 with a win in the Wharton Business Plan Competition and sold its first policy in 2006.

Embrace pet