6/8/2023 0 Comments My embrace pet insurance![]() Your Wellness Rewards are separate from your accident and illness coverage, so any rewards you use don’t count toward your deductible. And Wellness Rewards don’t roll over, so you must use all of the funds by the end of the year or you’ll lose them. However, since all allowances have the same $25 bonus, there’s no financial benefit to choosing a higher amount - other than perhaps the convenience of creating a larger wellness-care fund for the year. Your contribution can range from $250 to $650 per year. The deposited funds can then be used to pay for routine expenses like vaccinations, wellness exams, microchipping and dental care. You can, however, sign on for an optional Wellness Rewards plan, which earns you a $25 annual enrollment reward. Unlike many other insurers, Embrace Pet Insurance doesn’t offer an extra-cost wellness policy. It’s significantly less expensive than Embrace’s accident and illness plans, so it may be a good choice if you’re looking for any pet insurance for an elderly pet. The accident-only plan has an annual reimbursement limit of $5,000, a $100 annual deductible and 90% reimbursement percentage. It doesn’t cover chronic illnesses, cancer, dental disease, or congenital conditions. Not all companies offer accident-only plans, and many won’t issue any new policy to dogs over 10.Īccident-only insurance pays for injuries resulting from accidents, such as bloat, broken limbs, or cuts and lacerations. If your pet is 15 or older, they can only get coverage through Embrace’s accident-only plan. Reimbursement percentage: You can opt for a reimbursement percentage of 70%, 80%, or 90% - a typical range of options.Īccident and illness insurance is available to pets 14 years of age or younger.Annual deductible: As with most insurers, your choices in annual deductible range from $200 to $1,000.Annual reimbursement limit: You can select a limit of between $5,000 and $30,000 - the latter being a higher figure than most competitors offer.You can choose from the following coverage options: Like most or all such plans, routine care, pre-existing conditions, cosmetic procedures, DNA testing, breeding, pregnancy care and whelping are not included. But those plans are not necessarily good buys anyway, and Embrace does offer an optional Wellness Rewards plan that allows you to create a fund for these expenses - and gives you a $25 annual bonus for doing so.Įmbrace offers two insurance plans and one wellness plan:Įmbrace’s accident and illness plan for dogs and cats covers unexpected health issues. Other insurance providers that offer comparable dental benefits apply the same annual payout limit that would apply to other covered illnesses. However, there is an extra $1,000 annual cap for dental illness coverage. Cons ExplainedĬaps dental illness coverage at $1,000 a yearĮmbrace’s dental care coverage reimburses for broken teeth, root canals, extractions, periodontal disease, gingivitis and stomatitis. While high limits increase premiums, they also provide increased protection in case your pet has a serious illness or accident. But the company offers a maximum of $30,000, which is more than some other insurers allow. Like most other companies, Embrace has an option for an annual limit on reimbursement, which you select. And pets above that age can qualify for accident-only coverage, where most companies don’t offer any coverage to pets that old. Embrace, however, will issue new policies for pets until they turn 15, one of the highest age maximums on the market. Most pet insurance companies won’t issue new policies to animals over 10 years of age. However, the company is among those that will reimburse for treatment of pre-existing curable conditions, such as infections, provided your pet is symptom-free for 12 months. Like other pet insurance companies, Embrace doesn’t cover chronic conditions your pet has at the time you insure it. Over time, the diminishing deductible can reduce your out-of-pocket costs in the event you make a claim.Ĭoverage for curable pre-existing conditions With Embrace, your annual deductible will decrease by $50 with each year in which you don’t receive an accident or illness claim reimbursement. ![]() Caps dental illness coverage at $1,000 a yearĭiminishing deductible for each year you don’t receive a claim payment.
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