Embrace also includes complementary treatments and rehab, like acupuncture and laser therapy. It offers some features that other pet insurance companies don’t, like coverage for preventable conditions such as Lyme disease, parvo and parasites. What would you do if you faced a four-figure vet bill? Cat and dog owners who want to save on expensive accident or illness vet visits should consider Embrace pet insurance. Who should get Embrace pet insurance?Ī pet owner receives a vet bill over $1,000 every six seconds. This carrier also offers a 5% military discount for qualified pet owners. If you have more than one pet, you can get a 10% multi-pet discount with Embrace. $650 annual coverage: $52.09 per month.$450 annual coverage: $35.42 per month.$250 annual coverage: $18.85 per month.The Wellness Rewards add-on is the same additional monthly cost for each pet: We chose a 2-year-old male mixed breed dog and cat with the most popular coverage options for each species.įor a 2-year-old cat with a $15,000 annual reimbursement limit, $500 deductible and 80% reimbursement percentage, the monthly rate would be $23.01.įor a 2-year-old dog with a $10,000 annual reimbursement limit, $500 deductible and 80% reimbursement percentage, the monthly rate is $39.07. We got sample rates from Embrace for a dog and cat living in Newark, New Jersey, to show you how much it might cost to insure your cat or dog with them. Since veterinary costs can vary by location, where you live in New Jersey can affect how much you pay for pet insurance.Įmbrace also considers information about your pet to determine rates, like their:Īccording to Embrace, their average pet insurance rates in 2022 were between $15 to $20 for cats and $30 to $40 for dogs. The cost of Embrace pet insurance depends on several factors, including your ZIP code. The higher the percentage, the higher your premium.Įmbrace’s reimbursement percentages options are:įor instance, if you have met your deductible and receive a $1,000 vet bill with a 70% reimbursement percentage, Embrace will reimburse $700 of the cost. The reimbursement percentage is the amount Embrace reimburses after you’ve met your deductible. You can choose a higher deductible to save on premium, but be prepared to pay more out-of-pocket before Embrace begins to pay their share. The annual deductible is the amount you’ll pay towards covered expenses before Embrace pays anything. The higher the reimbursement limit, the higher your premium will be.Įmbrace offers the following annual limits: The annual reimbursement limit is the most Embrace will pay towards your annual covered vet expenses. Your choices will affect how much you pay for coverage. When you buy pet insurance, there are several policy options to choose from. Cosmetic procedures that aren’t medically necessary, such as ear cropping, dew claw removal and tail docking.Deliberate injury by the pet owner or household members.Cruelty, fighting, neglect or racing injuries or illnesses.Acupuncture, reiki or chiropractic care.Īlthough Embrace offers a wide range of coverage, there are some things that they won’t cover. Flea, heartworm and tick preventatives.You can choose up to $250, $450 or $650 in coverage per policy year. Complementary treatments and rehabilitation.Įmbrace offers optional Wellness Rewards coverage, which will pay up to a certain amount for preventive and routine care.Preventable conditions that aren’t pre-existing.Orthopedic conditions (after waiting period).Breed-specific, congenital and genetic conditions.The types of veterinary expenses Embrace pet insurance will cover include: This type of pet insurance is sometimes called comprehensive coverage. Embrace pet insurance covers accidents and illness for cats and dogs. No 100% reimbursement percentage option.6-month waiting period on orthopedic conditions.Coverage only available for dogs and cats.Office visit exam fees covered for accidents and illnesses.Optional wellness rewards plan available.$50 diminishing deductible feature for each claim-free year.Pros and cons of Embrace pet insurance Embrace pet insurance pros If you have a dog or cat, this pet insurance review can help you decide if Embrace is the best pet insurance choice for your furry companion. The optional wellness plan add-on offers coverage for preventive and routine care. This accident and illness coverage can help pay for covered veterinary expenses. Embrace pet insurance offers cat and dog owners comprehensive pet insurance coverage.
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