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You love your pet like a member of the family, and are saddened when your fur baby gets an injury or illness. And often, the vet bill you receive for your pet’s treatment can be just as devastating. Perhaps that is why many pet owners are turning to pet insurance to cover the cost of pet care.
If you can afford the monthly payment, you may want to buy pet insurance it may cover part or all of your pet’s treatment. One insurance company to consider is Embrace Pet Insurance, a pioneer in the pet insurance industry. Embrace offers a robust policy that covers a wide range of conditions and treatments.
If you think you can benefit from pet insurance then start by getting it a free quote so you know the price better.
Accept the Pet Insurance overview
Embrace is an early player in the pet insurance game. The company was founded in 2003, winning the Wharton Business Plan Competition while pet insurance was in its infancy. Embrace has since won the NorthCoast 99 Award 10 times as a top employer in Northeast Ohio while donating $400,000 to Cleveland charities.
Embrace offers pet insurance for dogs and cats in 50 states. Unlike many providers that offer multiple plans, Embrace offers one policy that covers accidents and illnesses.
Applicants may appreciate not classifying only accidental, complete, and other coverage conditions in order to obtain a suitable policy.
The company also offers a special non-insured Wellness Rewards plan that reimburses you for routine treatments like spay or surgery. neuter, brush teeth and make up.
Things are covered
- Special conditions of the joints and gynecological and genetic conditions, including hip dysplasia, allergies, and intervertebral disc disease.
- Cancer screening and treatment
- Chronic conditions such as arthritis and diabetes have no limitations depending on the condition
- Dental coverage up to $1,000 a year for conditions and procedures such as extractions, gingivitis and root canals.
- Diagnostic tests, such as x-rays and MRIs for diseases and conditions
- Medical conditions if your furry friend suffers from torn ligaments, broken bones, or other problems (applicable)
- Parvo, Lyme disease, parasites and other immune conditions
- Pet care from emergency veterinary clinics
- Prescriptions for preventive conditions
- Ordered or emergency surgery
Embrace also offers a special sign-up form to let you know what your policy covers before your pet’s surgery. . If you think you can benefit from the protections Embrace provides then start by getting it a free quote now.
What is not covered
Like most pet insurance companies, Embrace is not covered previous situation. Embrace defines a pre-existing condition as “any injury, illness, or problem that you or your vet noticed before your pet’s waiting period ended, even if your pet didn’t go to see the vet .” Before activating your policy, Embrace reviews your pet’s medical history for the past 12 months to determine any pre-existing conditions. In addition, the following conditions are not covered by an Embrace insurance policy:
- Pregnancy, nursing or pregnancy
- Grooming procedures such as tail docking and ear clipping, unless determined to be medically necessary
- DNA testing
- Injuries caused by different types of animal abuse
- Regular animal sightings, including routine checks
Cost of Embrace Pet Insurance
If you choose to enroll in Embrace pet insurance, you will pay a $25 one-time enrollment fee and a $1 monthly fee if you pay monthly.
The average price Embrace dog insurance costs about $30 to $40 a month for dogs and about $15 to $20 a month for cats. Generally, dogs cost more to insure than cats because pet insurers tend to receive more claims for dogs than cats, and vet bills for dogs are often higher. more expensive than their skins.
Your monthly income depends on many factors, including your pet children, age and where you live. Your amount may vary depending on the limits you set for your policy, including the following:
- Subtraction: Absence amounts from $100 to $1,000 per year.
- Repayment amount: With pet insurance, you pay your vet professional and the pet insurance company upfront pay back you for a certain amount. A pet insurance with Embrace can reimburse you for 70%, 80% or 90% of your pet expenses.
- Width restrictions: You can opt for limited coverage from $5,000 to $15,000 or unlimited coverage.
Price comparison
Here’s a price comparison to see how Embrace stacks up against the competition:
|
hug |
Lemon |
hate |
|
|
Price* |
$93 a month |
$39 a month |
$26.00 per month |
|
Deductible options |
$100, $250, $500, $750, $1,000 |
$100, $250, $500 |
$50 to $1,000 |
|
percentage repayment |
70%, 80%, 90% |
70%, 80%, 90% |
70%, 80%, 90% |
|
Annual Total |
$5,000 in Unlimited |
$5,000 to $100,000 |
$5,000, $10,000, $40,000 |
*Quotes are for a 5-year-old, medium weight, healthy mixed breed dog in Boulder, Colorado. Options include a $500 deductible, an 80% reimbursement percentage and a maximum contribution amount for each company.
In our example, the Embrace policy is more expensive than Lemonade and Odie. You can get a higher or lower quote than this amount, depending on your pet’s age and breed, since some breeds are more expensive to insure than others.
Also, note that Embrace’s quote appears to be higher because the three quotes are for the highest amount of coverage. With Embrace, the maximum coverage is unlimited, but neither Lemonade nor Odie offer that option — their coverages are over $100,000 and $40,000, respectively. In this case, if we drop the annual coverage limit to $5,000, the premium will drop to $52 per month. The best way to get the most accurate price for your pet is to use Embrace’s online quote system.
The pros and cons of Embrace pet insurance
A hug conveys a lot good luck to pet owners to manage pet costs while ensuring that their family members receive the care they deserve. It is always wise to consider the downside of any pet insurance policy before signing up for a policy. Here are some pros and cons of Embrace Pet Insurance:
Refinement
- Simple: Embrace offers a single plan for accidents and illnesses, so you don’t have to juggle different levels of plans to get the care you need.
- Amount: The bundle covers a wide range of conditions and treatments, including cancer, genetic conditions, chronic diseases and dental problems.
- Simple: You can take your pet to any licensed veterinarian for care.
- Transportation: You can easily file claims on mobile.
Cons
- Restrictions: Embrace only offers pet insurance for dogs and cats.
- Long wait time: The waiting time for special conditions is six months. Embrace will waive the fee if you have your pet undergo a special exam after registration.
Unique benefits and drawbacks of Embrace pet insurance
Embrace offers a discounted rate, a unique feature for its program cardholders. Your deductible will be reduced by $50 each year you are not reimbursed for a claim. The pet insurer is also offering a 10% discount on pet purchases and a 5% military discount.
Unfortunately, the pet insurance company provides a subscription that is rarely implemented, in this case, $25. Remember, there is also a $1 per month fee if you pay your bill monthly instead of annually.
The bottom line
If you’re looking for pet insurance with health and safety protection, Embrace may not fit the bill. But, if you are more concerned about protecting your money from unexpected and expensive bills, a pet insurance with Embrace is suitable.
Embrace Pet Insurance offers a comprehensive plan that covers a wide range of expenses, from vet bills and dental problems to cancer treatments and surgeries. The accident and injury plan is affordable, and you can customize your price by adjusting your deductible, reimbursement percentage and coverage limit to suit your needs. Get started by getting a free quote now.