KWupdatesEmbrace Pet Insurance policies cover accidents, illnesses, cancer, emergency care, surgery, diagnostics, and prescription drugs. Unlike some other pet insurance companies, Embrace does not exclude hereditary conditions or chronic illnesses. They offer three levels of coverage – with 70%, 80% or 90% reimbursement. Policyholders can expect to pay between $20 to $50 per month for a dog and $10 to $30 for a cat, depending on the age, breed, and coverage level selected.
What Embrace Pet Insurance Covers
Embrace Pet Insurance offers comprehensive accident and illness coverage for your dog or cat.
1. Accident Coverage
Accidents happen, and Embrace will help pay for unexpected vet care. If your pet swallows an object, is hit by a car, or experiences any other accident requiring medical attention, Embrace accident coverage can help offset costs like:
- Emergency vet exam fees
- X-rays, lab tests, and diagnostics
- Surgery and hospitalization
- Medications and supplies
2. Illness Coverage
Embrace also offers illness coverage to help pay for the treatment of diseases and chronic conditions. This includes coverage for:
- Diagnostic tests to determine the cause of symptoms
- Prescription medications and supplies to treat the illness
- Hospitalization and surgery if needed
- Coverage for chronic conditions like diabetes, allergies, and arthritis which often require ongoing care and treatment
Embrace even covers alternative therapies like acupuncture or hydrotherapy if recommended by your vet. With generous annual limits of $15,000 or more and the choice of 70%, 80% or 90% reimbursement, you can rest assured knowing you have comprehensive coverage and financial support for your pet’s medical needs.
3. Wellness Coverage (Optional Add-On)
For an additional premium, pet owners can add wellness coverage to help pay for routine care like vaccinations, flea and heartworm prevention, and dental cleanings. This add-on coverage provides up to $250 or $450 in annual benefits for wellness care and helps make proactive pet health care more affordable and accessible for pet owners.
Embrace Pet Insurance is a smart choice for responsible pet owners with clear and comprehensive coverage options, affordable premiums, and excellent customer service. Protecting your pet’s health and your financial stability has never been easier.
How to File a Claim With Embrace Pet Insurance
To file a claim for reimbursement with Embrace Pet Insurance, you will need to submit the necessary paperwork within 180 days of the date of service.
1. Gather Your Documentation
The first step is to collect records from your veterinarian related to the treatment, including an itemized invoice or receipt that shows the date of service, diagnosis, treatment received, and fees paid. You should also obtain a copy of your pet’s medical records from the visit. These documents will provide the details required to process your claim.
2. Submit a Claim Form
Next, you will need to complete and submit Embrace’s claim form, either on their website or through the mail. Be sure to fill out all sections of the form accurately and legibly. The claim form will ask for information such as your name and policy number, your pet’s details, the date of treatment, diagnosis, and a breakdown of fees. Sign and date the claim form to authorize the release of your pet’s medical records to Embrace for claim processing.
3. Mail in Your Documentation
Along with your completed claim form, mail in copies of the itemized invoice from your vet, payment receipt, and your pet’s medical records from the date of treatment. Be sure to keep the originals for your records. Mail all documentation to Embrace Pet Insurance within 180 days of the date of service to Qualcomm Way P.O. Box, San Diego, CA 92121.
4. Claim Review and Reimbursement
Once Embrace Pet Insurance receives and reviews your claim submission, they will process it within 10 business days. If approved, your reimbursement will be issued and mailed as a check to the policyholder’s address on file or deposited directly into your bank account if you have selected the direct deposit option. The reimbursement amount will be according to your policy coverage and limits.
By following these steps carefully and submitting the necessary documentation promptly, you will receive prompt reimbursement from Embrace Pet Insurance for covered veterinary care expenses for your pet. Be sure to contact them directly with any claim questions or concerns.
Embrace Pet Insurance Costs and Discounts
Embrace Pet Insurance provides comprehensive yet affordable coverage for your pets. Policy premiums vary based on factors like your pet’s breed, age, and location. On average, cat owners pay between $15 to $30 per month, while dog owners pay between $25 to $50 per month for Embrace pet insurance.
1. Standard Coverage Options
Embrace offers three standard levels of coverage: Economy, Essential, and Complete Care. The Economy plan covers accident and illness coverage with an annual limit of $5,000. The Essential plan provides $10,000 in annual coverage for accidents and illness. Finally, the Complete Care plan offers the highest coverage limit of $30,000 annually for accident and illness. All plans require you to pay an annual deductible ranging from $100 to $1,000 before coverage kicks in.
2. Discounts and Savings Opportunities
Embrace Pet Insurance offers several discounts and ways for you to save on premiums:
- Multi-pet discount: Save up to 10% when you enroll multiple pets on a policy.
- Pay in full: Save 5% by paying your entire annual premium upfront instead of monthly installments.
- Veterinarian network: Visit an in-network vet to save up to 20% on treatments and care. Embrace’s nationwide network includes over 2,400 veterinarians.
- Non-routine care rider: Add this optional rider to your policy to save money on dental cleanings, grooming, and other non-emergency care. The rider costs between $9 to $14 per month but provides an allowance of $75 to $450 per year in coverage.
- Compare and save: Compare quotes from multiple companies to find the most affordable, high-quality pet insurance for your needs. Embrace frequently ranks as one of the most budget-friendly providers.
- Military and service discounts: Save up to 15% on Embrace pet insurance if you are active military, a veteran, or in another service field like police, firefighting, or healthcare.
By choosing a plan that fits your budget, bundling multiple pets on one policy, and taking advantage of available discounts, you can make Embrace pet insurance affordable and tailored to your needs. Comprehensive care for your furry family members does not have to break the bank.
FAQs
What does pet insurance cover?
Pet insurance helps cover the cost of veterinary care for your pet. Most plans cover accidents, illnesses, cancer treatments, diagnostic tests, x-rays, surgeries, and prescription medications. Some policies provide coverage for routine care like vaccinations, checkups, flea prevention, and heartworm testing. However, policies vary between providers, so you should compare plans to find the right coverage for your needs and budget.
How does pet insurance work?
You pay a monthly premium to enroll your pet in an insurance plan. When your pet requires veterinary care, you pay the bill out of pocket. Then, you submit a claim to your insurance provider for reimbursement, minus any deductible or co-payment. Reimbursement can take from 2 days to 4 weeks depending on the company. Many insurance providers offer direct payment to your vet, so you only pay your portion of the bill upfront.
How much does pet insurance cost?
The cost of pet insurance depends on several factors, including your pet’s breed, age, location, coverage amount, and deductible. On average, pet insurance costs between $20 to $50 per month for dogs and $15 to $30 per month for cats. Additional coverage, such as for chronic illnesses or alternative therapies, will increase your premium. Pet insurance is often cheaper when your pet is younger and healthier, so it’s best to enroll early.
Is pet insurance worth it?
Pet insurance can save you from facing difficult financial decisions if your pet experiences a serious illness or injury. While the monthly premiums may seem expensive, pet insurance gives you peace of mind that you can provide your pet with the best care without worrying about cost. However, pet insurance may not make sense for every pet owner. If you can easily afford expensive emergency vet care or prefer to self-insure, pet insurance may not be the best choice for you. You should weigh the pros and cons of your situation.
In summary, pet insurance helps make veterinary care more affordable and accessible. Comparing plans and coverage options allows you to find a policy tailored to your needs and budget. Enrolling your pet at a young age and keeping them on a plan long-term is the most cost-effective approach. For most pet owners, the investment in pet insurance is worth the peace of mind.
Conclusion
As you can see, pet insurance can provide invaluable financial and emotional protection when your furry family member needs medical care. While premiums and deductibles represent additional expenses, the potential savings pet insurance offers compared to paying out of pocket are significant. Do your research to find the right policy for your pet’s needs and your budget. By planning with pet insurance, you gain peace of mind knowing you can make medical decisions based on your pet’s well-being, not your wallet. While no one wants to think about their pet getting sick or hurt, embrace pet insurance now so you’re prepared later. Protecting your pet is a gift to them and yourself.
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