Best Pet Insurance by Embrace

Mind if we pay your vet bills? Pet insurance gives you the freedom to do the right thing.
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Pet insurance that covers pre existing conditions

If you were to choose between sacrificing your savings or your pet’s life, which would you choose? Most people underestimate the cost of vet care, only to realize later on if they had only prepared for their pet’s medical emergencies, they would’ve saved themselves a ton of money and even their beloved pet’s life.

Embrace is a company that strives to help pet parents give their dogs or cats the best medical care they can, without having to sacrifice their life-long, hard-earned money. Offering pet insurance for dogs and cats, they give you the peace of mind that should anything happen, you are assured that proper medical care and procedures will be done without you having to worry about the costs of vet care.

Embrace Pet Insurance Overview

Embrace was founded in 2003 by two graduates from the Wharton MBA Program, Laura Bennett and Alex Krooglik. As graduating students, their pet insurance business plan won the Wharton Business Plan Competition, beating out proposals that revolved around technology and biotechnology.

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The name “Embrace” represents the emotional bond between pet parents and their pets, which also basically explains what the company is all about. Both founders wanted to change the landscape of the pet insurance industry, but it wasn’t until 2006 that the first policy was purchased after several years of research.

On March 2007, the company’s website was officially launched, and the company has continued to grow, becoming one of the best rated pet insurance companies in the US today.

Embrace offers policies for both dogs and cats, and features a comprehensive plan and an additional product to cover other medical expenses. The policies are underwritten by the American Modern Insurance Group, which is an international insurance company that operates on all areas or industries, and have over 50 locations all over the world.

What Pet Coverage They Offer

Embrace offers their Comprehensive Coverage for both dogs and cats and covers unexpected illnesses and accidents. The following are covered by the policy:

  • hospitalization
    Dog medical insurance

    Dog medical insurance

  • surgery
  • nursing care
  • ER and specialist care
  • breed-specific treatments
  • cancer treatments
  • alternative therapies and rehabilitation
  • diagnostic testing and imaging
  • behavioral therapy
  • prescription drug coverage

The company also offers their Wellness Rewards product, which is not an insurance policy but covers the following:

  • annual check-ups
  • vaccines
  • heart-worm medications
  • spay/neuter procedures
  • teeth cleaning

To qualify for the Comprehensive Coverage, your pet must be below the age of 14 years and not have a pre-existing medical condition. Dogs or cats older than the age of 14, or has diabetes, Addison’s disease, Cushing’s disease, or FeLV/FIV, can avail of an accident-only policy, as well as the Wellness Rewards product.

Embrace also offers personalized policies wherein pet owners can choose which coverage they want to have, depending on their pet’s needs.

Embrace is a company that offers an easy-to-understand and comprehensive policy that could save your pet’s life.

Pet Insurance Provider Pros

  • The company features a Customer Bill of Rights, which goes to show how much they value their clients.
  • The company has an A+ rating on BBB.
  • They cover genetic health conditions as long as the illness was not diagnosed before enrollment of the policy.
  • Clients have the freedom to use any licensed vet, unlike other companies where only a select few veterinary clinics are reimbursable.
  • Claims are based on the bills stated by the vet, and not fixed amounts based on a certain condition.
  • Policies can be customized depending on your financial budget and your pet’s needs.

Pet Insurance Provider Cons

  • Customers have stated their policy is more expensive than other similar insurance companies in the industry.
  • Customer service has limited hours and can only be reached via phone or email.

What does dog insurance cover

Who Is it Good For?

Embrace is recommended for all pet owners as it gives you the peace of mind that you can afford most medical procedures that need to be done in case of medical emergencies or unexpected illnesses. When you don’t have the money to pay for veterinarian care, and when things get worse for your pet, you might have the unfortunate choice of having your pet put down, which is a heavy strain on your family.

As mentioned earlier in this article, most pet owners underestimate the cost of veterinary care, which leaves most people unprepared and caught off guard when bills start coming in. To protect your savings and your pet’s life, enrolling in Embrace’s pet insurance policy can save you from the potential devastation of your pet’s possible medical condition.

The Bottom Line

Embrace is a company that offers an easy-to-understand and comprehensive policy that could save your pet’s life. Their mission of making life easier for you and your pet makes their policy a wise investment you’ll surely be thankful for in the future.

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Compare dog insurance

*Please Note: Source of information below is from EmbracePetInsurance.com

Pet Insurance Reviews

Seeking out multiple sources of information is essential to any major purchase. To help you decide where to place your trust in insuring your dog or cat we've compiled data from top third-party sources.

We've taken 3 of the top sources for pet insurance reviews of the best rated companies and combined them to measure overall customer satisfaction across the internet. To make it easier to compare we used the grade school standard A-F grading system.
Review SiteEmbraceASPCA Pet
Health Insurance
Healthy
Paws
PetplanPets BestTrupanion
Overall GradeA-BABBB
BBBA+A+AB+A+A+
Pet Insurance ReviewA-C+A+A-BA-
Yelp*BCACC-C-
*Based on reviews as of January 7th, 2014. *Yelp scores include filtered reviews.

See how these scores were calculated.

BBB

Founded in 1912, the Better Business Bureau has a mission for helping create an ethical marketplace where buyers and sellers can trust each other.

Although in the case of pet insurance companies, their rating system doesn’t provide much of range in scores, you can use the site to get a feel for how many people have filed complaints, whether or not the company has resolved them and perhaps most beneficial, what type of complaints have been filed. Look for this table:

Complaint Categories
Advertising/Sales Issues
Billing/Collection Issues
Delivery Issues
Guarantee/Warranty Issues
Problems with Product/Service

PetInsuranceReview.com

Pet Insurance Review has been around since 2005 and has served as the vanguard for the pet insurance industry. No other site comes close to matching the depth of reviews provided. The review count below and letter grade above is based on each company’s lifetime ratings.

Pet Insurance ReviewEmbraceASPCA Pet Health InsuranceHealthy PawsPetplanPets BestTrupanion
# of Customer Reviews3,0411,4589732,3639472,101
Yelp

Yelp has been in business since 2004, and while you may use them primarily for restaurants and hotels, Yelp is an excellent source for pet insurance reviews. Yelp is one of the 100 most visited websites in the U.S. What our review seems to show is when a customer has a good experience they’ve historically gone to PetInsuranceReview.com, however when a customer is upset they’ll go to other channels like the BBB and Yelp. In this regard Yelp serves as a good filter to get a quick take on the good, the bad, and the ugly.

One thing to be aware of when using Yelp is filtered reviews. Filtered reviews are hidden under a separate link at the bottom of the company’s listing and the scores there are not factored in Yelp’s overall rating. The reviews are from real customers who simply aren’t “power-users” — they haven’t posted enough reviews on their site. Filtered reviews on Yelp

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PET INSURANCE COMPARISON

Compare Embrace to 24PetWatch Pet Insurance

When it comes to pet insurance, the difference is in the details. We’ve compiled a list of important comparison points between Embrace and 24PetWatch to consider before deciding where to place your money and your trust.
 EMBRACE24PetWatch Pet Insurance
Wellness & Routine Care CoverageYESNO
No Per-Incident LimitationsYESNO
Premium Increases Over TimeYESYES
Behavioral Care CoverageYESNO
Independent Customer Rating9.2/104.8/10
Annual DeductibleYESNO
No Extra FeesYESNO

Compare Embrace to AKC Pet Insurance

We've prepared below a list of the most important comparison points between Embrace and AKC Pet Insurance. The two companies may look similar at a glance, but there are a few points to consider before deciding where to place your money and your trust.
 EMBRACEAKC Pet Insurance
Hereditary & Genetic Condition CoverageYESNO
Wellness & Routine Care CoverageYESYES
No Per-Incident LimitationsYESNO
Alternative Therapy CoverageYESNO
No Extra FeesYESNO
Independent Customer Rating9.2/105.9/10
Best Pet Insurance

 

Compare Embrace to ASPCA Pet Health Insurance

When it comes to being a pet insurance expert, the difference is in the details. To help you, we've prepared a list of the most important comparison points between Embrace and ASPCA Pet Health Insurance. We understand purchasing pet insurance is an investment in time and money.
 EMBRACEASPCA Pet Health Insurance
Hereditary & Genetic Condition CoverageYESYES,
Limited per incident
Continuing Care CoverageYESYES,
Limited per incident
Alternative Therapy CoverageYESYES,
max payout $300/yr
(with level 4 plan)
Wellness & Routine Care CoverageYESYES,
per-item limitations
Independent Customer Rating9.2/108.1/10

Compare Embrace to Healthy Paws

Understanding the detailed differences between companies is key to becoming a pet insurance expert. We've prepared a list below of the most important comparison points between Embrace and Healthy Paws. While the two companies may look similar at a glance, there are some important details to consider before investing your time, money and trust.
 EMBRACEHealthy Paws
Coverage for Office VisitsYESNO
Continuing Care CoverageYESYES,
with exceptions
Wellness & Routine Care CoverageYESNO
Reimbursement Methoddeductible
then co-pay
co-pay then
deductible
Behavioral CareYESNO
No Extra FeesYESNO
$25 Sign-up fee

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Compare Embrace to PetFirst Pet Insurance

Choosing a pet insurance plan for your pets can be a difficult process. To help make it easier, we've put together this list of important factors to consider when comparing Embrace and PetFirst.
 EMBRACEPetFirst Pet Insurance
One Comprehensive PlanYESNO
Continuing Care CoverageYESYES,
with a "Lifetime" plan
or as an add-on
Hereditary & Genetic Condition CoverageYESYES,
with a "Lifetime" plan
or as an add-on
No Per-Incident LimitationsYESYES,
with a "Lifetime" plan
Independent Customer Rating9.2/107.5/10
Annual DeductibleYESNO

Compare Embrace to Petplan

Below we've prepared a list of important comparison points between Embrace and Petplan. Both companies have top-rated customer service on PetInsuranceReview.com, but we wanted to share some other information that may impact your out of pocket costs when you go to make a claim.
 EMBRACEPetplan
Wellness & Routine Care CoverageYESNO
Annual DeductibleYESNO
Reimbursement Methoddeductible
then co-pay
co-pay then
deductible
No Extra FeesYESNO,
$3.00/pet every payment
Yelp Score
*includes filtered review
4 stars*3 stars*

Compare Embrace to Pets Best

Becoming a pet insurance expert means understanding the detailed differences between companies. To help you, we've prepared a list of a few important comparison points between Embrace vs Pets Best. Both companies reimburse a straight percentage of the vet bill, but we wanted to share some other information that could impact your out of pocket costs when you go to make a claim.
 EMBRACEPets Best
Hereditary & Genetic Condition CoverageYESYES,
only in 48 states
Alternative Therapy CoverageYESYES,
only acupuncture &
chiropractic approved
No Extra FeesYESNO
Wellness & Routine Care CoverageYES,
flexible plans with
no per-item limits
YES,
per-item limitations
Independent Customer Rating9.2/108.7/10

Compare Embrace to Trupanion

We've prepared below a list of the most important comparison points between Embrace and Trupanion. The two companies may look similar at a glance, but there are a few points to consider before deciding where to place your money and your trust.
 EMBRACETrupanion
Coverage for Office VisitsYESNO
Annual DeductibleYESNO
Wellness & Routine Care CoverageYESNO
Alternative Therapy CoverageYESYES,
extra cost
Premium Increases Over TimeYESYES
No Extra FeesYESNO
Policy Term12 months1 month
A.M. Best RatingA+not rated

Compare Embrace to VPI/Nationwide

Becoming a pet insurance expert means understanding the detailed differences between companies. To help you, we've prepared a list of the most important comparison points between Embrace vs VPI/Nationwide. Your dog or cat will thank us later.
 EMBRACEVPI/Nationwide
Reimbursement Methodstraight % of vet billlimited by benefit schedule
Hereditary & Genetic Exclusions0183
Wellness & Routine Care CoverageYESYES,
per-item limitations
12-Month Exclusions0186
No Extra FeesYESno
Independent Customer Rating9.2/107.8/10

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Best Pet Insurance

Pet insurance that covers pre existing conditions

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Best Pet Insurance

Pet insurance that covers pre existing conditions