Embrace Pet Insurance

Product: Custom Dog Plan
Pet Covered: Dog
Quote via this site:
Level of Coverage  
Accident Yes
Illness Yes
Routine Care Optional
Sample Insurance Quotes  
Dog Quote 1 $22.60/month
Dog Quote 2 $41.54/month
Dog Quote 3 $43.66/month
Dog Quote 4 $23.95/month
Cat Quote 1 n/a
Cat Quote 2 n/a
Cat Quote 3 n/a
Cat Quote 4 n/a
Accident Coverage  
Veterinary Visits Yes
Emergency Visits Yes
Specialist Visits Yes
Diagnostic & Lab Tests Yes
Prescription Medications Optional
Surgery Yes
Hospitalization Yes
Dental Injury Yes
Illness Coverage  
Veterinary Visits Yes
Emergency Visits Yes
Specialist Visits Yes
Diagnostic & Lab Tests Yes
Prescription Medications Optional
Surgery Yes
Hospitalization Yes
Dental Illness Optional
Routine Care Coverage  
Wellness Exams Optional
Standard Vaccinations Optional
Heartworm Testing Optional
Flea & Tick Prevention Optional
Heartworm Prevention Optional
Spay/Neuter Optional
Preventive Dental Care Optional
Additional Coverage  
Pre-Existing Conditions not covered
Hereditary Conditions yes

Hereditary conditions are covered as long as symptoms are not present before coverage. This includes such things as hip dysplasia, certain forms of cancer, and epilepsy.

Congenital Conditions yes
Chronic Conditions yes
Cancer yes

Covers diagnosis, chemotherapy, surgery, etc. for cancer up to annual limit.

Hip Dysplasia yes
Alternative Therapies yes
Behavioral Therapy covers medical treatment if choose prescription drug coverage
Special Diet Foods no
Pregnancy no
Travel Coverage yes
Boarding Fees no
Advertising & Reward no
Loss Compensation no
Death Compensation no
Vacation Cancellation no
Euthanasia for humane reasons
Burial or Cremation no
Policy Features  
Deductible Type per year
Deductible Amount $500; other options: $100, $200, $1000
Co-Pay Amount 10%; other options: 20%, 35%
Claim Payment Basis straight % of vet bill
Incident Limit none

No per incident limits.

Choice of annual limits: $2,000, $5,000, $10,000, & $15,000. 

Lifetime limit of $50,000 per pet.

Annual Limit $5,000; other options: $2,000, $10,000, $15,000
Lifetime Limit $50,000 per pet
Routine Care Limit optional coverage; if chosen limits are $200 or $400
Waiting Period - Accidents 14 days
Waiting Period - Illness 14 days
Waiting Period - Routine Care no
Waiting Period - Cruciate Injury 6 months, or vet waiver
Policy Term 1 year
Money Back Guarantee
30 days

You have 30 days to decide whether you want to continue coverage or not. The money-back guarantee does not apply if you make a claim.

Claims Process mail, fax, or e-mail

Submit a completed claim form with all itemized invoices and receipts for payment to claims department.

Renewal Terms auto, or written notice

In case of nonrenewal by insurer, notice will be sent at least 60 days before policy ends.

Cancellation Terms written notice

May be cancelled by insured or insurer with written notification. Refund on a pro-rata basis after the first 30 days.

Choice of Veterinarian yes; licensed
Pricing & Discount Features  
Age Rating Yes
Breed Rating Yes
Location Rating Yes
Microchipped Pet Discount no
Spay/Neuter Discount yes
Multiple Pet Discount yes
Service Pet Discount no
Military Discount yes
Employer Group Discount yes
Veterinary Staff Discount yes
Affiliation/Partner Discount yes
Online Discount no
Annual Payment Discount yes
Pet Coverage Criteria  
Minimum Enrollment Age 6 weeks
Maximum Enrollment Age accident any age; illness 8 yrs (6 yrs purebreeds)
Maximum Age for Renewal unlimited
Exclusions or Limitations yes

Maximum age for illness enrollment: Mixed Breeds - 8 yrs, Purebreeds - 6 yrs

Pre-Certification Required no
Company Information  
Year Started 2006
State Licensing all 50 states
Covers any licensed vet in all 50 states and worldwide.  Not just at home, but if your pet got sick on vacation anywhere and needed treatment it would be covered.
Partners & Affiliations