Thursday, January 16th
2025 Pet Insurance Company Reviews
Embrace
- $15 to $25/month for cats, $25 to $50/month for dogs
- $77.80/month for a sample 8-year-old large mixed breed dog in Illinois
- Comprehensive accident and illness coverage
- Optional add-ons for exam fees and prescription drugs
- Flexible Wellness Rewards plan for preventive care
- Coverage usable with any licensed veterinarian worldwide
- No waiting period for accident coverage
- 24/7 pet telehealth service
- Multiple pet discount available
- Healthy Pet Deductible program can reduce annual deductible
- Hip dysplasia coverage on all accident/illness policies
Embrace has been in the pet insurance business since 2006, enrolling cats and dogs up to 14 years of age in new policies. Only their accident coverage is available for enrolled pets after they turn 15. Annual reimbursements are available at $2k, $5k, $10k, $15k, or unlimited; annual deductibles at $1k, $750, $500, $250, or $100; and reimbursement percentages of 70%, 80%, or 90%. Embrace's coverage can be used with any licensed veterinarian anywhere in the world, including specialist and emergency veterinarians.
$77.80/month with test case
According to Embrace's website, the average monthly cost to insure a cat ranges from $15 to $25, while for dogs it's typically between $25 to $50. For our example quote, we used Magnus, an 8-year-old large mixed breed dog in Illinois. The Embrace Accident and Illness plan for Magnus was quoted at $77.80 per month, covering:
- Accidents and injuries
- Illnesses including cancer
- Genetic and chronic conditions
- Dental trauma
- Alternative and physical therapies
- Lab tests and biopsies
- Hospitalization and surgery
Add-ons for exam fees, prescription drugs available
Missing from the base plan were coverage for exam fees and prescription drugs, which could be added for an additional $11.67 and $12.44 per month, respectively. Preventive care is also not included in this plan. Like most pet insurance providers, Embrace's main plan doesn't cover pre-existing conditions, breeding-related expenses, or spaying and neutering.
Embrace's preventive care plan is more flexible than competitors'
If you're interested in a non-insurance add-on that reimburses you for preventive expenses, you can add the Wellness Rewards plan for $300 to $700 of annual reimbursement, costing $20 to $60 a month. The great thing about it is that you're not limited to a certain dollar amount of coverage by condition. Where some pet insurance providers' preventive care plans only allot you $25 for all your pet's vaccinations in a year and don't let you "borrow” from other categories to cover excess expenses, Embrace lets you use the entirety of your annual reimbursement however you please.
10-15 days for claims process
You can submit your claim to Embrace via their mobile app or website. It'll take between 10-15 days for them to process it (and your first claim always takes longer). It'll be another 2-3 days after that for the direct deposit to hit your account.
No waiting period for accident coverage
Embrace requires access to medical records from a check-up within the past 12 months before your coverage can begin. According to the details of our quote, our Embrace policy would take effect two days after purchase. The waiting period for illness coverage is 14 days from the effective date, while accident coverage begins on the effective date itself. For orthopedic conditions, the waiting period varies by state - in our Illinois test case, it was six months. You can get this waiting period shortened by completing their Orthopedic Exam and Waiver process.
Premiums increase even without claims
Embrace will increase your premium every year even if you do not file any claims. While they're just as coy as their competitors about the exact amount, one customer says the rate their first year cost $464, the second $571, and the third $984 - all without any claims. Despite this experience, the customer still rated Embrace 5 stars because when their puppy ate a foreign object and incurred over $12k in medical expenses, Embrace paid exactly what was expected without a fight.
Customers think the cost is high, but worth it
Embrace Pet Insurance has earned an "A+" rating from the Better Business Bureau and a 4.0 rating average from over 6,000 reviews on Trustpilot. Our research revealed the typical ratio of satisfied to unsatisfied customers regarding claim payouts. Notably, many customers praised the quality of customer service provided by Embrace's representatives. The most frequent criticism we encountered was that Embrace's premiums are high. However, many customers felt the peace of mind provided by the coverage justified the cost.
#1 for comprehensiveness and flexibility
Embrace Pet Insurance is proud of their hip dysplasia coverage on all accident/illness policies, dental illness coverage up to $1,000 per term, and international pet coverage. Customers can take advantage of 24/7 pet telehealth, and Embrace's Healthy Pet discount program might even reduce your deductible by $50 a year if you have no claims. While there are a couple of common drawbacks (like the bilateral condition clause and the orthopedic waiting period), we're impressed by Embrace's preventive care add-on, and didn't find any noticeable gaps in their accident and illness coverage. That's why they're our top pick, earning a 5-star rating. We encourage you to get a free quote and find out if Embrace's pet insurance will work for your budget.
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What is the Best Pet Insurance Company?
If you're a pet owner, chances are you've thought about how to care for your furry friend in the event of an emergency. Veterinary bills can add up quickly, especially if your pet needs surgery or treatment for a chronic illness. Pet insurance can help cover these unexpected costs, making it easier to provide the best care for your pet without breaking the bank.
From puppies prone to accidents to older cats with ongoing health needs, pet insurance can be a valuable tool to help you manage costs while giving your pet the treatment they deserve.Pet insurance comes in a few different types, which vary based on the coverage they offer. For instance, some plans only cover accidents, such as a broken leg from a fall, while others offer more comprehensive coverage that includes illnesses, wellness checkups, and vaccinations.
Pet Insurance Company FAQ
Continued from above...
Basic accident-only plans tend to be more affordable, but they won't help if your pet develops a long-term health condition. Comprehensive plans may include preventive care as well, though they often come with higher monthly premiums. Other policies cover hereditary or congenital conditions, which can be particularly important if your pet is a breed known for specific health issues.
The cost of pet insurance depends on factors like your pet's age, breed, and health history, as well as the type of coverage you choose. Monthly premiums can range from under $10 to over $100, so understanding the differences among plans can save you money in the long run. Additionally, different insurance companies have various reimbursement models and payout limits. Some plans reimburse a percentage of each vet bill, while others have annual limits, meaning you'll want to consider how much you're likely to spend on your pet's healthcare each year.
It's important to choose the right pet insurance plan the first time. If you decide to switch to another provider later, any health issues your pet has developed in the meantime will be considered pre-existing conditions by the new provider and not covered. You should also be aware that "upgrading” to a better policy from the same provider can technically be considered canceling your old policy, meaning the conditions your pet is currently covered for may become considered pre-existing.
Here are some key factors to keep in mind when shopping for pet insurance:
- Coverage options. Decide whether you want a plan that covers only accidents or one that includes illnesses and preventive care. Comprehensive plans can offer peace of mind, but they come with a higher price tag.
- Reimbursement structure. Look at how each plan reimburses you for vet bills. Some cover a percentage of each bill (like 80% or 90%), while others have a fixed payout per condition. Choose the one that best matches your budget and expected vet expenses.
- Annual limits and deductibles. Most plans have a yearly or per-condition deductible. Be sure you understand the amount you'll need to pay out of pocket before coverage kicks in. Plans with lower deductibles tend to cost more per month but cover costs sooner.
- Breed-specific coverage. Certain breeds are prone to genetic health issues. Make sure your policy covers any conditions common in your pet's breed if you think it could be a future concern.
- Claims process. Filing a claim can take anywhere between 2 days and 30. Choose a provider that doesn't require a lot of back-and-forth about medical records. Some providers even pay your vet directly, no claim necessary.
- Customer reviews and reputation. A company's reputation can tell you a lot about its service quality. Reading reviews can give you insight into how well claims are handled and how easy the process is overall.
Top Consumer Reviews has evaluated and ranked the best pet insurance companies available. We hope this review helps you find the best service for your pet, so you can feel confident they're covered, no matter what life brings.
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