Embrace provides high coverage for dental illnesses: $1,000 per policy year in most states. The company covers extractions, root canals, crowns, gingivitis, and broken, chipped, or fractured teeth.
Basic coverage starts at under $6 per month for cats and $12 for dogs, and covered treatment includes alternative therapies, rehabilitation, behavioral therapy, emergency veterinary care, specialist care, diagnostic testing (including x-rays and MRIs), hospitalization & surgery, prosthetics & mobility devices, prescription drug coverage.
While routine care like cleaning and annual checkups are not included in the policy — as is the case with most pet insurance providers — they can be reimbursed by adding on a wellness plan at extra cost.
The Optional Wellness Rewards plan offers additional coverage for wellness exams, training, grooming, vaccines, and spay or neuter surgery. This plan reimburses up to $650 per year in wellness treatments.
Another benefit of Embrace is its shrinking deductibles. They can be set between $100 and $1,000, and every year you don’t file a claim, you’ll receive a $50 reduction. If your pet is healthy, your deductible can be reduced down to zero after several consecutive claim reimbursement-free years.
Reimbursements can reach 90 percent, annual benefits are capped at $15,000, and monthly premiums start at $13 for dogs and $9 for cats. All claims can be submitted online, via email, fax, or mobile app.
Pet insurance coverage from USAA and Geico can also be obtained through Embrace.