If you have a dog or cat, chances are that at some point you’ll find yourself needing pet insurance to cover vet bills.
Whether your pet gets sick or hurt and needs regular checkups or needs something more serious like surgery, pet insurance can help save you from an expensive medical bill in the event of an emergency.
But which company should you choose? To answer this question, we talked to experts about Embrace Pet Insurance USA and their plans for dogs and cats of all ages.
How does it work?
It’s easy! Embrace is a pet insurance plan that gives you more time with your pet. Instead of being limited by per-incident or lifetime caps, there are no limits on what we will pay for care, which means you can go through as many health crises as necessary until your pet dies.
Or, if you have a healthy pet, you can keep him/her that way—pet insurance plans help pay for routine care and immunizations so minor issues don’t become major ones. The best part? If you ever decide to switch vets, there’s no need to cancel your policy. You can take your pet anywhere—in fact, our policies work at over 10,000 veterinary hospitals nationwide.
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pros
● While some people can get pet insurance from their employer, many others are faced with a decision on whether or not it makes financial sense for them to buy their pet insurance plan.
● Depending on where you live and your pet’s health, Embrace offers savings of up to 60% off traditional rates.
● Furthermore, customers can customize plans so that they fit both their dogs’ and their own needs perfectly.
Cons
● While it’s comforting to know that a lot of veterinary care is covered by insurance, you still might have concerns about how much pet insurance costs and whether or not you can afford it.
● Read on for everything you need to know about Embrace pet insurance, including if it’s even worth your money!
● We’ll also discuss why so many people are opting out of health insurance altogether in favour of protecting their pets with pet insurance plans like Embrace.
● After all, dogs are man’s best friend; they deserve our love and protection!
● They may not be able to speak up when they feel sick or hurt, but we can help them out by making sure they receive proper treatment whenever necessary.
Embrace pet insurance plans
Embrace offers three plans for pet owners. These are Embrace Essentials, Embrace Choice and Embrace Elite. If you have a young puppy, it is better to consider choosing a plan that covers illnesses and accidents only, not hereditary or congenital conditions.
The deductibles are also different depending on which plan you choose, with higher deductibles offering lower premiums—it all depends on your budget and how likely you think your pet will need veterinary care in any given year.
● Embrace Essential: This product is ideal for pet owners who have a healthy dog and want insurance protection in case of an accident or illness. This plan offers coverage for accidents and illnesses that may arise at any time. There are no restrictions as to what can be treated under Embrace Essential, but your annual deductible must be met before reimbursement occurs. Embrace Classic: If you have more than one pet, it makes sense to protect all of them with pet insurance.
● Embrace choice: Unlike most pet insurance plans, Embrace gives you a wide range of coverage options and deductibles. That means it’s up to you how much you spend on insurance, so you don’t have to pay for coverage you don’t need. Some pet owners prefer higher deductibles and lower premiums, while others want more coverage in case an unexpected illness or injury occurs. Embrace gives them both options—and even lets them decide what their deductible will be each year!
● Embrace elite: Embrace is a pet insurance company that offers major medical and wellness plans for dogs and cats. With monthly premiums as low as $13, Embrace plans cover treatment for all pre-existing conditions and several illnesses, from broken bones to cancer. Plus, all pet owners are given access to 24/7 support teams and coverage for alternative treatments such as acupuncture.
Embrace also offers student discounts of up to 50% off all annual plan premiums when you’re a full-time student at an accredited university.
What Embrace pet insurance covers
Pet insurance can cover your dog’s or cat’s routine care, like checkups and vaccinations, as well as veterinary care for issues like broken bones and dental work. Embrace pet insurance gives you coverage for a wide range of services, including routine examinations by veterinarians, annual exams with vaccinations (the Rabies vaccine is required in most states), heartworm testing, and treatments for fleas and ticks, intestinal worms and ear mites.
It also covers diagnostic tests such as X-rays, blood tests and urinalysis. If your pet needs surgery, you will be covered for anaesthesia, blood transfusions and other medically necessary procedures.
For example, if Fido gets into a fight with another animal or swallows something he shouldn’t have while playing outside, his injuries may require stitches or even exploratory surgery to ensure there are no internal injuries.
What’s not covered
While Embrace’s pet insurance plans are comprehensive and offer a high degree of coverage, some pet-related services—such as routine nail trimming and teeth cleaning—aren’t covered by Embrace.
These types of procedures can add up over time, but our team is available to help you find low-cost options for these services. If your pet needs urgent care that isn’t covered by your plan, we will work with you to arrange an affordable payment plan.
And if you decide that your dog or cat has a chronic condition or illness that requires ongoing treatment, we can even put together a customized wellness plan that covers preventative care in addition to diagnosis and treatment.
How Much Does Embrace Pet Insurance Cost?
Like all pet insurance plans, Embrace’s cost varies based on several factors. Depending on your dog or cat’s age and breed, you can pay anywhere from $10-$30 per month, per pet. The average monthly premium for Embrace is around $25-35. If you have more than one pet, that price will likely be higher; if your pet is older than 8 years old (or has any pre-existing conditions), that price will likely be higher as well.
Plan Pricing
Embrace’s pricing is straightforward—$19.99 per month for cats, $24.99 per month for dogs and $17.99 per month for other pets (think birds or iguanas). In addition, Embrace only covers accidents, not pre-existing conditions—if your pet has a pre-existing condition that prevents them from getting insured through Embrace, check out some of our other tops picks below.
If you have more than one dog or cat, be sure to take advantage of Embrace’s multi-pet discount; it saves you up to 15% on both monthly premiums and claims. The average claim with Embrace costs around $300-$400; in comparison, Healthy Paws customers pay an average of $250-$350 per claim. Both companies offer 24/7 customer service; if you have any questions about your coverage or want to file a claim online, they are just a phone call away!
Plans Available from Embrace Pet Insurance
For both dogs and cats, you can purchase plans that cover either accidents or illnesses (the two most common reasons pet insurance is purchased). The accident-only plans cover your pet’s medical bills after an accident—say, if your dog was hit by a car—while illness coverage will pay for your cat or dog’s treatment after diagnosis.
More comprehensive plans also include coverage for ongoing conditions, like heart disease and diabetes. These are typically referred to as wellness plans, as they help manage chronic issues rather than paying out after they arise.
Embrace Pet Insurance Reviews
Why Embrace? Embrace is a pet insurance company based in New York. It was founded in 2012 and launched in 2013, according to its website. The company offers comprehensive and flexible plans for dogs and cats of all ages, with customers able to choose from various coverage options. Some of these include wellness care, injuries or accidents and hereditary conditions such as hip dysplasia. Embrace also covers routine care, like annual checkups and vaccinations.
The prices vary depending on your plan but range between $25-$35 per month depending on how many pets you have insured under one policy. If you’re looking for an affordable way to provide health insurance for your furry friend(s), Embrace might be a good option to consider.
Embrace Pet Insurance Optional Features
Embrace’s optional features can be used in conjunction with your coverage or purchased separately. They include additional coverage levels, microchipping, dental care, behavioural therapy and more. Just like human health insurance, these additions may increase your monthly premium cost but can also extend your coverage (and peace of mind) when you need it most. These features make Embrace a pet insurance company like no other!
Embrace Pet Insurance Background
To help you and your furry friends better understand how pet insurance works, we’ve developed a comprehensive guide that covers everything from coverages and benefits to eligibility and limitations.
Whether you’re interested in Embrace because your dog or cat is recovering from an injury or illness, or simply want him/her to be protected in case of an unexpected accident or illness, you will find all of our products as well as their coverage information on our website here.
We have over 3,500 veterinarians and pet hospitals in our network as well as a growing number of Embrace-certified veterinarians and pet hospitals. No matter where you are located or where your pets are treated, we’re here for you! We also have an online store with over 20,000 quality pet products.
Claims
Often, people purchase pet insurance because they fear having to make an expensive claim in the future. But unlike human insurance, which may require years of monthly payments before a payout is granted, pet insurance provides coverage from day one. And if you’re worried about the cost—don’t be! In most cases, pet insurance is less expensive than paying for vet care out-of-pocket.
Embrace Pet Insurance Optional Features
Embrace is one of a few pet insurance companies that offer optional features, such asas behaviouralnd wellness plans. These extra services can extend your policy’s coverage, which may allow you to improve or extend your pet’s care in ways that you wouldn’t be able to if you had an insurer that didn’t offer such features.
Customer Service
When you have a pet, your relationship with it is on a whole different level. If anything happens to it, you’re devastated and would do anything for them to get better. This makes Embrace’s 24/7 customer service—in addition to their claims services—especially important. In case of an emergency, whether medical or accidental, they’ll be there to answer any questions or concerns you might have about what’s going on with your furry friend.
They also offer online chat support so that you can communicate directly with one of their representatives if need be.
Monthly plans for your pets
With some pet insurance companies, you can pay a monthly premium instead of an annual one. Monthly plans are especially great for people who know they’ll have their pet throughout its life. A lot of companies offer reduced-cost plans for longevity—that I when pets live past certain ages.
The different types of coverage you can choose from
There are three different types of coverage that you can choose from when it comes to Embrace pet insurance USA. These include accident-only, illness and wellness, and accident and illness. The first one is perfect for those who want to cover accidents but nothing else.
As for illness and wellness, it pays for your dog’s illnesses as well as their routine wellness care—the latter of which is usually covered under vet visits. Finally, there’s also accident and illness coverage.
Ctrl How are claims paid?
If your pet requires urgent care, such as if it is injured in an accident or attacked by another animal, Embrace will pay up to $500 of your vet’s bill immediately. The rest of your claim will be paid within 24 hours and sent electronically directly into your checking account—meaning no more waiting around for checks in the mail. And you can use direct deposit for any claims paid over $20.
Conclusion
Embrace is serious about taking care of pets and their owners. The company has years of experience, a superb reputation and great reviews across a broad range of websites. If you own a pet, then you owe it to them—and yourself—to give Embrace a try.
As long as your dog or cat isn’t having any major medical issues, adding pet insurance to your monthly budget should be well worth it.
What Embrace pet insurance covers
Pet insurance can cover your dog’s or cat’s routine care, like checkups and vaccinations, as well as veterinary care for issues like broken bones and dental work. Embrace pet insurance gives you coverage for a wide range of services, including routine examinations by veterinarians, annual exams with vaccinations (the Rabies vaccine is required in most states), heartworm testing, and treatments for fleas and ticks, intestinal worms and ear mites.
It also covers diagnostic tests such as X-rays, blood tests and urinalysis. If your pet needs surgery, you will be covered for anaesthesia, blood transfusions and other medically necessary procedures.
For example, if Fido gets into a fight with another animal or swallows something he shouldn’t have while playing outside, his injuries may require stitches or even exploratory surgery to ensure there are no internal injuries.
What’s not covered
While Embrace’s pet insurance plans are comprehensive and offer a high degree of coverage, some pet-related services—such as routine nail trimming and teeth cleaning—aren’t covered by Embrace.
These types of procedures can add up over time, but our team is available to help you find low-cost options for these services. If your pet needs urgent care that isn’t covered by your plan, we will work with you to arrange an affordable payment plan.
And if you decide that your dog or cat has a chronic condition or illness that requires ongoing treatment, we can even put together a customized wellness plan that covers preventative care in addition to diagnosis and treatment.
How Much Does Embrace Pet Insurance Cost?
Like all pet insurance plans, Embrace’s cost varies based on several factors. Depending on your dog or cat’s age and breed, you can pay anywhere from $10-$30 per month, per pet. The average monthly premium for Embrace is around $25-35. If you have more than one pet, that price will likely be higher; if your pet is older than 8 years old (or has any pre-existing conditions), that price will likely be higher as well.
Plan Pricing
Embrace’s pricing is straightforward—$19.99 per month for cats, $24.99 per month for dogs and $17.99 per month for other pets (think birds or iguanas). In addition, Embrace only covers accidents, not pre-existing conditions—if your pet has a pre-existing condition that prevents them from getting insured through Embrace, check out some of our other tops picks below.
If you have more than one dog or cat, be sure to take advantage of Embrace’s multi-pet discount; it saves you up to 15% on both monthly premiums and claims. The average claim with Embrace costs around $300-$400; in comparison, Healthy Paws customers pay an average of $250-$350 per claim. Both companies offer 24/7 customer service; if you have any questions about your coverage or want to file a claim online, they are just a phone call away!
Plans Available from Embrace Pet Insurance
For both dogs and cats, you can purchase plans that cover either accidents or illnesses (the two most common reasons pet insurance is purchased). The accident-only plans cover your pet’s medical bills after an accident—say, if your dog was hit by a car—while illness coverage will pay for your cat or dog’s treatment after diagnosis.
More comprehensive plans also include coverage for ongoing conditions, like heart disease and diabetes. These are typically referred to as wellness plans, as they help manage chronic issues rather than paying out after they arise.
Embrace Pet Insurance Reviews
Why Embrace? Embrace is a pet insurance company based in New York. It was founded in 2012 and launched in 2013, according to its website. The company offers comprehensive and flexible plans for dogs and cats of all ages, with customers able to choose from various coverage options. Some of these include wellness care, injuries or accidents and hereditary conditions such as hip dysplasia. Embrace also covers routine care, like annual checkups and vaccinations.
The prices vary depending on your plan but range between $25-$35 per month depending on how many pets you have insured under one policy. If you’re looking for an affordable way to provide health insurance for your furry friend(s), Embrace might be a good option to consider.
Embrace Pet Insurance Optional Features
Embrace’s optional features can be used in conjunction with your coverage or purchased separately. They include additional coverage levels, microchipping, dental care, behavioural therapy and more. Just like human health insurance, these additions may increase your monthly premium cost but can also extend your coverage (and peace of mind) when you need it most. These features make Embrace a pet insurance company like no other!
Embrace Pet Insurance Background
To help you and your furry friends better understand how pet insurance works, we’ve developed a comprehensive guide that covers everything from coverages and benefits to eligibility and limitations.
Whether you’re interested in Embrace because your dog or cat is recovering from an injury or illness, or simply want him/her to be protected in case of an unexpected accident or illness, you will find all of our products as well as their coverage information on our website here.
We have over 3,500 veterinarians and pet hospitals in our network as well as a growing number of Embrace-certified veterinarians and pet hospitals. No matter where you are located or where your pets are treated, we’re here for you! We also have an online store with over 20,000 quality pet products.
Claims
Often, people purchase pet insurance because they fear having to make an expensive claim in the future. But unlike human insurance, which may require years of monthly payments before a payout is granted, pet insurance provides coverage from day one. And if you’re worried about the cost—don’t be! In most cases, pet insurance is less expensive than paying for vet care out-of-pocket.
Embrace Pet Insurance Optional Features
Embrace is one of a few pet insurance companies that offer optional features, such asas behaviouralnd wellness plans. These extra services can extend your policy’s coverage, which may allow you to improve or extend your pet’s care in ways that you wouldn’t be able to if you had an insurer that didn’t offer such features.
Customer Service
When you have a pet, your relationship with it is on a whole different level. If anything happens to it, you’re devastated and would do anything for them to get better. This makes Embrace’s 24/7 customer service—in addition to their claims services—especially important. In case of an emergency, whether medical or accidental, they’ll be there to answer any questions or concerns you might have about what’s going on with your furry friend.
They also offer online chat support so that you can communicate directly with one of their representatives if need be.
Monthly plans for your pets
With some pet insurance companies, you can pay a monthly premium instead of an annual one. Monthly plans are especially great for people who know they’ll have their pet throughout its life. A lot of companies offer reduced-cost plans for longevity—that I when pets live past certain ages.
The different types of coverage you can choose from
There are three different types of coverage that you can choose from when it comes to Embrace pet insurance USA. These include accident-only, illness and wellness, and accident and illness. The first one is perfect for those who want to cover accidents but nothing else.
As for illness and wellness, it pays for your dog’s illnesses as well as their routine wellness care—the latter of which is usually covered under vet visits. Finally, there’s also accident and illness coverage.
Ctrl How are claims paid?
If your pet requires urgent care, such as if it is injured in an accident or attacked by another animal, Embrace will pay up to $500 of your vet’s bill immediately. The rest of your claim will be paid within 24 hours and sent electronically directly into your checking account—meaning no more waiting around for checks in the mail. And you can use direct deposit for any claims paid over $20.
Conclusion
Embrace is serious about taking care of pets and their owners. The company has years of experience, a superb reputation and great reviews across a broad range of websites. If you own a pet, then you owe it to them—and yourself—to give Embrace a try.
As long as your dog or cat isn’t having any major medical issues, adding pet insurance to your monthly budget should be well worth it.
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