Embrace
Customizable Pet Insurance
- Highly customizable insurance plans
- Reimbursement based on actual charges
- Can add on wellness plan for preventive care
- Annual rather than per-incident deductible
- Other exclusions in addition to pre-existing conditions
- Won't write new policies for older cats and dogs
Experts and customers praise Embrace for its highly customizable plans; you can choose not only your annual deductible and maximum and your co-pay percentage, but also whether or not your plan will cover prescriptions and treatment for dental illnesses. You can also choose to add a wellness plan for preventive care. Embrace will not insure dogs or cats with diabetes or Cushing's disease, and if your pet has a pre-existing orthopedic condition on one side of its body, such a condition on the other side will be considered pre-existing as well. If you'd prefer a simple plan that costs less and gives you a 25 percent discount on all veterinary services, experts recommend Pet Assure (*Est. $10 per month dogs, $6 per month cats).
PetInsuranceReview.com includes ratings and reviews of Embrace from current or former policyholders, and Organic Pet Digest and CheapestPetInsuranceReviews.com offer editorial reviews of the company. About.com's guide to veterinary medicine interviews Embrace CEO Laura Bennett.
Our Sources
1. PetInsuranceReview.com
Policyholders give Embrace the second-highest score of any company reviewed. Customers appreciate the easy claims process and fast claims payment. Customer service is also widely praised.
Review: Reviews of Embrace, Contributors to PetInsuranceReview.com
2. OrganicPetDigest.com
This review covers two traditional pet insurance plans along with three non-traditional ones, including Embrace. The editors say they are "huge fans" of Embrace because its flexibility guarantees that they are "getting and paying for exactly what we want."
Review: Vet Pet Insurance Reviews, Editors of OrganicPetDigest.com
3. CheapestPetInsuranceReviews.com
Only three companies are reviewed here; the three short reviews point out low-cost options for getting help with vet bills. Embrace is cited for its customizable policies, with options for dental and prescription coverage.
Review: Pet Insurance Reviews, Editors of CheapestPetInsuranceReviews.com
4. About.com
About.com's veterinary medicine guide interviews Embrace CEO Laura Bennett. This is part of a series of interviews with the chief executives of pet insurance companies; in each interview Crosby asks the same 10 questions. Questions range from when the company was founded and where it's headquartered, to the types of insurance offered and what makes the company stand out. (Note: ConsumerSearch is owned by About.com, but the two don't share an editorial affiliation. )
Review: Pet Health Insurance Company Interviews: Embrace, Janet Tobiassen Crosby, DVM, April 2, 2009
Pet Insurance Runners Up:
Best Reviewed
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- Best Pet Insurance Overall Petplan *Est. $14
- Customizable Pet Insurance Embrace *Est. $23
- Pet Health Care Discount Plan Pet Assure *Est. $10
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