TopConsumerReviews.com is a world-leading consumer product review site. We provide detailed reviews and ratings for thousands of products and services.
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:
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.
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:
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.
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:
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
Cat lover Sarah knew she was taking a gamble on Prince Harry. In just two years, Prince Harry needed $1600 in dental work - none of which was covered by her $35-a-month pet insurance policy. "I did ha...
Published: Tue, 19 Feb 2019 19:30:00 GMT
Global Pet Insurance Market report is a comprehensive study on current state of Pet Insurance Industry along with competitive and comparative analysis of key players, demand for products, segmentation ...
Published: Tue, 19 Feb 2019 05:01:00 GMT
Pet insurance policies in India, mostly are more "animal/bird" policies provided by public sector insurers. These cover animals like dogs, cats, horse, rabbits and pigs. For instance, the dog insuranc...
Published: Sun, 10 Feb 2019 02:15:00 GMT
SEATTLE, Feb. 12, 2019 /PRNewswire/ -- Two students were awarded scholarships to help with their college tuition, courtesy of Healthy Paws Pet Insurance's academic scholarship program. Both recipients ...
Published: Tue, 12 Feb 2019 09:13:00 GMT
HTF MI recently Announced Global Pet Insurance study with 100+ market data Tables and Figures spread through Pages and easy to understand detailed TOC on "Pet Insurance. Global Pet Insurance research ...
Published: Tue, 19 Feb 2019 22:44:00 GMT
It's like anything in life." The top two ways Dr. L'Heureux suggests planning ahead are by getting pet insurance or a pet savings plan. Pet insurance can offset major expenses, but owners need to ...
Published: Fri, 08 Feb 2019 21:05:00 GMT
SAN DIEGO - The San Diego Humane Society announced a partnership Tuesday with PetFirst to offer one month of pet insurance with each pet adoption. The insurance trial is available for adopted ...
Published: Tue, 12 Feb 2019 19:00:00 GMT
News 12's Kristie Reeter and money expert Jamila Souffrant dive into how to add a furry friend into your expenses. News 12's Kristie Reeter and money expert Jamila Souffrant show that while being ...
Published: Wed, 06 Feb 2019 17:21:00 GMT
- View Full Site -