![]() ![]() Monthly rates are higher than most insurersĮmbrace is ideal for pet owner’s seeking high customer service, and in need of a major medical plan with a flexible wellness option.Does not cover second injured knee if the first knee received treatment prior to policy enrollment.Does not cover veterinary supplements with accident and illness plan.Does not cover prescription food with accident and illness plan(only for Wellness Rewards).Does not offer 24/7 approvals, but offer pre-certification.Does not offer 24/7 customer service, closed Sundays.Excellent customer satisfaction reviews with petinsurance review(9.3/10), and consumers advocate (8.8/10).Īlthough nice to have, Embrace does not offer:.Offers a 5% discount for active or former military (depends on state).Offers a 10% multiple pet discount (depends on state).Offers the most flexible wellness options ($250, $450, or $650), no spending restrictions.Offers short waiting periods (2 days for accidents, 14 days for illness).Offers diminishing deductible (for each year without an accident or illness claim reimbursement, they subtract $50.00 for you deductible).Pets must had had an exam in the last 12 months or within first 14 days of the policy for coverage to begin. Saturdays 9:00 am to 1:00 pm eastern timeįax, email, mail, and direct upload from website, app Monday – Friday 8:30 am to 8:00 pm eastern time Yes (6 month waiting period – can be reduced to 14 days with canine orthopedic exam report.)Ħ months for orthopedic coverage (can be reduced to 14 days with canine orthopedic exam report.) Yes, no new enrollment in accident & illness coverage for pets age 15 and older. Pumpkin Preventive Essentials is not available in all states.Accident and Illness, Optional Wellness Rewards ProductĪccidents Only (for pets age 15 and above online) For full terms, visit pumpkin.care/customeragreement. Pumpkin is responsible for the product and administration. It is offered as an optional add-on non-insurance benefit. Pumpkin Preventive Essentials is not an insurance policy. For more details visit pumpkin.care/underwriting-information and pumpkin.care/insurance-licenses Pumpkin receives compensation based on the premiums for the insurance policies it sells. Morristown, NJ), a Crum & Forster Company and produced by Pumpkin. Insurance is underwritten by United States Fire Insurance Company (NAIC #21113. ![]() (“Pumpkin”) (NPN#19084749) is a licensed insurance agency, not an insurer. Discounts may vary and are subject to change. Products and rates may vary and are subject to change. For full terms, visit pumpkin.care/insurancepolicy. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. Pumpkin Pet Insurance policies do not cover pre-existing conditions. In addition, several services covered by Wellness Rewards are covered by Pumpkin insurance plans at no extra monthly cost, including Rx food, microchipping, radiographs, hip dysplasia exams, and acupuncture or chiropractic therapy for eligible conditions! This plan can help you save $25/yr if you use your full benefit allowance, but not all services offered are a typical yearly expense (e.g., spaying/neutering, cremation/burial, microchipping). With Embrace Wellness Rewards, you choose an annual reimbursement allowance of $250, $450, or $650 which you pay in monthly increments over the course of the year and can use for reimbursement of any combination of 20+ different routine care services. To get full value from your package each year – all you have to do is use these benefits. With Pumpkin Preventive Essentials, you get a 100% refund for 3 of the most crucial routine care services recommended by vets each year: an annual wellness exam (we cover the exam fee), key vaccine(s), and important parasite screenings test(s). Both Pumpkin and Embrace have optional wellness packages or programs that are not insurance, but can be added to an insurance plan for a monthly fee. ![]()
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