Core Insights - Embrace Pet Insurance offers competitive pricing and extensive coverage options for pet owners, including a 10% multi-pet discount, although additional costs apply for vet exam fees and prescriptions [1][20]. Coverage Features - Embrace provides an unlimited annual coverage option and covers preexisting conditions if the pet has been symptom-free and treatment-free for one year [6][14]. - The policy includes coverage for behavioral therapy, alternative therapy, and various medical conditions such as cancer and dental accidents [11][12]. - Specific waiting periods apply, including a six-month waiting period for canine orthopedic problems, which can be reduced to 14 days with an orthopedic exam [7][6]. Cost Structure - Embrace's policies are priced below average, with a policy offering $5,000 in annual coverage costing 7% less than the average [19]. - For unlimited annual coverage, Embrace costs 17% less than the average in evaluations [20]. - Deductible choices range from $100 to $1,000, and reimbursement options are available at 70%, 80%, or 90% [7]. Claims Process - Claims must be submitted within 60 days after the end of the policy term, and Embrace processes accident and illness claims within 10 to 15 business days [23][24]. - The mobile app allows users to manage their policy, submit claims, and check coverage limits easily [25]. Exclusions - Embrace does not cover routine wellness exams, vaccinations, and various other preventive care expenses [16][17]. - Preexisting conditions are not covered unless they are curable and the pet has been symptom-free for a year [14]. Customer Support - Embrace offers a 24/7 pet helpline through partner PawSupport for assistance with pet care decisions [15]. - Customers can contact Embrace through various channels, including phone and the mobile app [28].