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Pet insurance provides partial or complete coverage for a variety of pet-related expenses, including veterinary treatment. It might also provide compensation if a pet is lost or dies unexpectedly. The exact details of the coverage will depend on the policy and the insurance company. Today, we’ll be discussing Embrace pet insurance.

Embrace Pet Insurance History: How Did it All Begin?

embrace-logo-2The company was founded in 2003 by Laura Bennett and Alex Krooglik, two MBA graduates from Wharton. They spent a year writing a business plan, designing their policies and seeking funding with the goal of setting up one of the best options for pet insurance in the industry. In 2004, Embrace was picked up by a non-profit organization that provided some funding, and they went on to create the first worldwide blog about pet insurance.

Embrace Pet Insurance Overview: What’s Covered and What Isn’t?

Embrace provides plenty of helpful coverage for pet owners. Some of the things that are covered include:

  • embrace-pet-insurance-1Exams, treatments, lab tests and any emergency care.
  • Emergencies, hospitalizations, X-rays, CT scans and MRIs.
  • Allergy testing.
  • Prescription medications
  • Physical therapy.
  • Acupuncture and other holistic medicine.
  • Surgery.
  • Illnesses or genetic conditions.
  • Chronic conditions.
  • Cancer treatments.
  • Cremation or burial fees.

This might sound like a complete list of coverage, but life can throw a number of unexpected situations your way, and there are some events that might not be covered by your Embrace policy. These events include:

  • Pregnancies.
  • Conditions that existed before purchasing the insurance policy.
  • Prosthetic limbs.
  • Injuries caused by the owners of the pet.
  • Cosmetic procedures.
  • DNA testing or cloning procedures.
  • Organ transplant surgery.
  • Avian flu.

Embrace Pet Insurance: What are Your Options?

You have a few options to personalize your Embrace policy. For example, you can choose to opt out of prescription medication coverage. If you have a young, healthy pet, you most likely won’t need prescription drugs.

Embrace also allows you to choose a veterinarian that you prefer. This is a great option for pet owners who want to use insurance but don’t want to be forced to pick a veterinarian in a particular network.

Embrace Pet Insurance: Are there any Negative Reviews?

aspca pet insurance ReviewsEmbrace sounds like a great company on paper, but are there any negative reviews? Unfortunately, there are a few complaints that the company doesn’t always pay out on claims. If things are not worded correctly on the veterinary paperwork, it could cause problems.

Other complaints include:

  • Not having a veterinarian on staff to review claims.
  • Denying legitimate claims due to incorrectly labeling something a preexisting condition.

It’s important to remember that almost any insurance company will have a few complaints against them. Insurance is complicated, and those who review claims don’t always agree that those claims are legitimate. Whether or not Embrace is a good idea for you and your pet will depend on a variety of factors that only you know. Think carefully before you choose Embrace or any other form of pet insurance.