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Embrace vs Healthy Paws

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EMBRACE

Since 2006, Embrace has ensured more than 100,000 dogs and cats throughout the United States. At the time of our review, they had a strong reputation with the Better Business Bureau as an accredited, "A+" rated company.

Embrace's rates are fairly competitive with most providers of pet insurance. You can customize your pet insurance policy according to your desired annual deductible ($200 to $1000), annual reimbursement limit ($5000 to $30,000), and reimbursement percentage (70% to 90%). For our 7-year-old dog, the three main packages recommended by Embrace were a little higher than some of their competitors', but we were able to tweak our preferences for deductible and reimbursement to get a monthly premium we liked.

If your pet has already been spayed or neutered, you may save 5% on your policy. You can also request this discount later if your pet undergoes the procedure after you start your coverage.

Wellness/routine care options exist, but they are a "supplementary, non-insurance benefit". It works similarly to an HSA (Health Savings Account), where you pay every month towards your account and those funds can be used to reimburse you for vaccinations, routine visits, grooming, and so forth. You can choose annual limits of $250, $450, or $650. With each of these plans, if you maximize the benefit you'll spend approximately 86% of the value that you receive. In other words, for the $250 plan, you'll pay about $216 out of pocket, and see a savings of about $34.

A few other features we liked about Embrace pet insurance:

  • Embrace follows a "deductible then copay" reimbursement model in contrast to some other pet insurance companies that use a "copay then deductible" model. Embrace's reimbursement could mean saving an additional $50 on a $1,000 claim.
  • Embrace uses an annual deductible, while some competitors use a per-condition deductible. An annual deductible only needs to be met once per year, regardless of how many claims you make. Plans with a per-condition deductible require you to pay a new deductible every time you go to the vet for a new condition. If your pet has an unlucky year, your out-of-pocket costs could be higher by a few hundred dollars with a per-condition deductible.
  • Embrace offers a 24/7 pet help line. This provides you with instant, real-time access to veterinary experts and decision support for any questions you might have about your pet's behavioral changes, possible poisoning, emergencies, and more. This policyholder benefit is valued over $99 a year and is included with every policy at no extra cost.

Another way to save is through Embrace's Healthy Pet Deductible. With this feature, your annual deductible will automatically decrease by $50 after every year that you don't make a claim on your policy. So, if you start out with a deductible of $200 per year, it would drop to $150 in year 2, $100 in year 3, and so on. Once you make a claim, however, your deductible for the following year is reset to your original amount. This is included with every Embrace policy at no extra charge.

We were surprised to see a $1/month "Billing Fee", evidently to cover the cost of monthly payment processing. We're not aware of any other pet insurance company that charges for that. There was also an enrollment fee of $25. Neither of these charges amount to very much money, but are still something you should be aware of.

As with many pet insurance providers, Embrace gets its fair share of complaints about claims being denied as pre-existing conditions. If you have a good medical history for your pet - and possibly a clean orthopedic exam - you shouldn't have any issues. The happy customers we found said that they were treated with the utmost respect and care, and that their claims were approved and paid very quickly.

Embrace does a lot of things right. Starting with an excellent reputation and comprehensive pet insurance plans, they add features such as their 24 hour help line, wellness coverage, and a Healthy Pet Deductible that few competitors can match. For all these reasons, Embrace is an outstanding option when it comes to pet insurance plans.

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HEALTHY PAWS

Healthy Paws is a pet insurance company with heart. Founded in 2009 by two professionals who met at a no-kill animal shelter, Healthy Paws Pet Insurance and Foundation set the goal of helping all pets, homeless and adopted, to live their best, healthiest lives.

Where Healthy Paws really stands out is their personalized attention to their clients. Imagine getting a personal email after your Golden Retriever gets out of the hospital, just to see how she's doing. (Insurance companies for humans don't even do that, most of the time!) Time and again, we found customers praising this company for their friendly, concerned approach whenever claims are made.

Another plus with Healthy Paws is their convenient app. Claims can be submitted with photos/scans of documents right from your phone, which makes the reimbursement process happen even more quickly. Some people get paid back for claims in a week or less, which we think is amazing.

Compared with some pet insurance plans, this company also wins paws-down on deductibles: theirs are annual, not per-claim. This could save you a ton of money if you have multiple visits within a year for different reasons. You also get annual coverage with no limits, whether your bills total $500 or $50,000.

As with most pet insurance plans, your costs will depend on where you live, your pet's age/breed/gender, and the type of coverage you select. For reference, here were some of our options for a 7-year-old male mixed breed dog:

  • Lowest-priced option: 60% reimbursement, $500 annual deductible: $33.53/month
  • Middle-tier option: 70% reimbursement, $200 annual deductible: $44.15/month
  • Highest-priced option: 80% reimbursement, $200 annual deductible: $48.58/month

When we checked Healthy Paws' prices for covering a puppy, we found more options for reimbursement (up to 90%) and deductible (from $100 to $400). Most pet insurance plans are more expensive as animals age, so this is in line with other providers' plans.

You should also plan on paying a one-time fee of $25 to set up your account and cover your monthly billing costs.

Healthy Paws' reputation is one of the best. In addition to consistently positive reviews from their clients, they also have an excellent "A+" rating with the BBB as an accredited business. We love everything Healthy Paws gives to their pet insurance customers, and we're confident that they can help keep your pets' tails wagging for a long time.

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Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Embrace and Healthy Paws.

Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!



How Pet Insurance Can Save You Money

If you asked every pet lover you encountered in a day how they feel about their pets, they'd likely tell you they view them as family members, not pets. As such, most pet owners want their furry family members to live long and healthy lives.

One of the best ways to make sure that happens is by investing in a pet insurance policy.

Like their human counterparts, animals can get sick or be involved in accidents which can cause severe injury. They also need routine preventative healthcare in order to stay healthy - all of which can cost a pretty penny. Pet insurance plans are designed to help shoulder the burden of these costs, helping pet owners to have the choice in caring for their pet, versus euthanasia due to insufficient funding to pay for necessary medical procedures.

Currently, only one percent of the U.S. pet population - just under 3 million animals - is insured. However, industry trends indicate that pet health insurance policies are growing in popularity in the U.S., with an anticipated increase of up to 10 percent within the next five years.

The first official pet healthcare policy was sold in Britain in 1947. Britain trails only Sweden in the number of pet owners who provide insurance for their pets. Dogs are the most-insured pet, followed by cats and small exotic animals. While it is sold under the name "healthcare insurance," pet health insurance is actually under the insurance umbrella for property. According to insurance laws, pets are seen as property, so the insurance policy which covers them is similar to that for any other property owned by an individual.

Most pet owners understand that cost for care, as well as the likelihood that the pet will suffer from certain diseases and conditions, significantly increases as the pet ages. However, not many pet owners have stopped to ask themselves what they would do if their pet suffered a serious or unexpected injury. Average cost for mending a broken leg, for instance, can run between $2,000 and $5,000 without insurance coverage. Dogs, which are known for eating and swallowing items which can be harmful, may need emergency surgery to remove the item and repair any internal damage that may have been caused. That kind of procedure can cost up to $3,000. Many pet owners cannot afford such high up-front costs and most veterinarians require payment in full at the time of the procedure. That leaves many pet owners struggling with what to do for their pet when they can't afford the procedure that could help them.

Other conditions, such as diabetes mellitus, are on the rise in the pet population. One out of every 400 dogs and cats will be diagnosed with diabetes at some point in their lives. With the advent of medical procedures and interventions not previously available to our pets, many are living longer, which increases their chances of developing age-related conditions and injuries. Take for instance, a pet which develops diabetes. That animal would require insulin injections, much as its human counterpart diagnosed with the same condition would need. Monthly costs between insulin and the syringes needed to administer it can cost a couple hundred dollars. Then there is the glucose monitoring system required to keep track of your pet's insulin levels. Animal-specific monitors such as AlphaTrak can cost $200 by the time you purchase the monitor, the lancets and the testing strips.

Most pet policies cover these issues and many more, making them a good investment for pet owners. With a variety of plans from which to choose, pet owners can find one that is not only affordable to them, but which also covers their pet's annual medical needs.

 



Pet Insurance In The News

Embrace Pet Insurance and Certified Dog Trainer Laura Nativo Partner to Protect Pets & People By Promoting Safe Dog Introductions

New video shares tips for introducing dogs to each other and to new people. CLEVELAND, Nov. 14, 2018 /PRNewswire-PRWeb/ -- With the holidays just around the corner and loved ones coming to town ...

Published:  Wed, 14 Nov 2018 09:10:00 GMT



Trupanion: NAIC To Address Pet Insurance This Weekend

The National Association of Insurance Commissioners is meeting in San Francisco this weekend, Pet Insurance is on the agenda. Additionally, the Property and Casualty Insurance Committee will be ...

Published:  Tue, 13 Nov 2018 12:07:00 GMT



Embrace Pet Insurance and Certified Dog Trainer Laura Nativo Partner"

New video shares tips for introducing dogs to each other and to new people. "While dogs are naturally social animals that are brilliant in their species-to-species communications, they don't always au...

Published:  Wed, 14 Nov 2018 09:36:00 GMT



3 Pet Insurance Companies to Watch in Billion Dollar Market, according to Packaged Facts

ROCKVILLE, Md., Nov. 13, 2018 /PRNewswire/ -- Given the size of the U.S. pet population, market penetration for pet insurance in the U.S. remains comparatively low. This is particularly true when comp...

Published:  Tue, 13 Nov 2018 08:41:00 GMT



Petco Throws Artificial Ingredients Out And Further Commits To 360 Degree Holistic Pet Care

it is uniquely positioned to give pet parents peace of mind with pet insurance. PetInsuranceQuotes.com is Petco's answer for a market that is virtually wide open. Some 85 million U.S. households own a ...

Published:  Tue, 13 Nov 2018 04:01:00 GMT



Co-op seeks to allay job fears in insurance sale

a US-based insurance group. It also sells pet insurance plans with Allianz, the German insurer. The decision to examine a sale comes more than five years after the Co-op put the division on the ...

Published:  Thu, 15 Nov 2018 04:00:00 GMT



Amyloid PET Aids Diagnosis. But Could CSF Do Just as Well

In the meantime, PET scans remain uncovered by most insurance companies, and thus unaffordable for many patients. Could CSF biomarkers fill the gap In Barcelona, Samantha Burnham of Commonwealth Scie...

Published:  Wed, 14 Nov 2018 14:08:00 GMT




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