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Getting your first four-legged companion as an adult is so exciting. And, honestly, it’s also pretty nerve-wracking. Even the most vigilant pet owners know there is a lot that’s out of our control: breed-specific conditions, conditions that develop with age, and simple accidents and illnesses-- most of which are accompanied by vet bills we aren’t financially prepared for.
One of the most responsible things we can do as pet pawrents is opting for trustworthy pet insurance. Doing so provides the comfort that if something happens, we have a plan. When I was considering the right pet insurance for my German Shorthaired Pointer, Willow, price, accessibility, and coverage were the most important factors I considered. Enter Embrace, truly great pet insurance that stands out from the rest of the pack.
Affordable Peace Of Mind with Unbeatable Coverage Options
With Embrace, you get a personalized plan based on your animal’s needs. I started this process by answering a few simple questions about Willow, then was immediately given a quote. Some of the questions included breed, age, and gender. Once I filled out this quick form, I was presented with a quote and multiple payment options.
Embrace’s coverage options are completely customizable. You can change the deductible, the annual reimbursement percentage, and limits. The cost of your plan can be manipulated based on what you select. I was able to adjust my plan in a way that would keep my costs down to as little as $16/month when paying for the plan annually. However, I opted for a lower deductible and higher reimbursements which put me around $30/month total.
When comparing other insurances, I noticed that most other companies offer similar pricing options with vague coverage language, leaving out some of the most important options like vet visit fees, complementary, and recovery care. Sure, I was able to find a $22/month option with a competitor but in order to get the same premium coverage options, the add-on pricing would bring my costs closer to, if not over, $50/month.
In addition to Embrace’s insurance coverage, you can also opt to pay a small additional price to receive reimbursement for wellness coverage and routine care -- think grooming, meals, and general wellness checks.
In addition to Embrace’s insurance coverage, you can also opt to pay a small additional price to receive reimbursement for wellness and routine care expenses -- think grooming, meals, and general wellness checks. I personally chose to forgo this option, but for as little as $18.75 extra per month, you can add this to your plan to receive 100% reimbursement of the annual limit you select.
“No matter how the policy is customized, you can enjoy coverage for exam or consultation fees, breed-specific and hereditary conditions, alternative therapies and rehabilitation, prescription drug coverage, and much more.” - Embrace
In addition to Embrace’s already amazing coverage options, Embrace offers more ways to save; like its 10% multiple pet discounts that are automatically applied to your account whenever you cover two or more pets. The savings don’t stop there. You can save an additional 5% on your plans if you’re former or active military. See Embrace’s website for full details on savings and payment options.
Comprehensive Coverage For Your Pet In Sickness & In Health
Like humans, every pet is different. Willow is young and healthy but Embrace understands that’s not always the case. While researching, I noticed that pre-existing conditions are almost never covered, regardless of if it’s curable or not. However, if the pre-existing condition is curable, it can become eligible for coverage with Embrace if your pet is symptom and treatment-free for a year. If you are concerned about a previously cured pre-existing condition, have no fear. Instead of checking your pet’s entire life history like many of its competitors, Embrace only checks the last 12 months of medical history.
Apart from pre-existing conditions, I was impressed by just how much Embrace covers -- everything from diagnostic exam fees, breed-specific conditions, dental illnesses, cancer, and more. Coverage also includes behavioral treatments, rehabilitation, surgery, prescription drugs -- the list goes on and on. I must admit I’m impressed: Embrace covered 93% of claims in 2020.
I was impressed by just how much Embrace covers -- everything from diagnostic exam fees, breed-specific conditions, dental illnesses, cancer, and more. Coverage also includes behavioral treatments, rehabilitation, surgery, prescription drugs -- the list goes on and on. I must admit I’m impressed: Embrace covered 93% of claims in 2020.
Accessible Help When You Need It Most
Having a pet is a full-time responsibility, so when deciding which pet insurance would be the best for us, it was important that I found coverage with great, around-the-clock customer service with easy access to my documents and claims. This is why PawSupport, Embrace’s partner Round-the-Clock Decision Support stood out to me. They have Registered Vet Techs (RVTs) available to help policyholders with their pet health-related questions available by chat, phone, and video conference 24/7 -- even on holidays.
In addition to Embrace’s award-winning customer support, MyEmbrace and the Embrace Pet Insurance mobile app makes it convenient to file a paperless claim, access policy documents, manage upcoming payments, and check on claim statuses. Whether you’ve booked an appointment with a specialist and need to get documents over to the doctor or find yourself in a sticky situation needing to file a claim, the mobile app brings your coverage with you wherever you are.
In addition to Embrace’s award-winning customer support, MyEmbrace and the Embrace Pet Insurance mobile app makes it convenient to file a paperless claim, access policy documents, manage upcoming payments, and check on claim statuses.
Embrace tells us that every six seconds a pet parent is handed an emergency vet bill of $1,000 or more, and many of us are not financially prepared to afford the level of care that modern veterinary medicine can provide. In summary, many people in this position are stuck with looming bills or left to make an impossible decision.
Willow, like many other four-legged friends, has become more like family than a pet. Keeping her happy, comfortable, and healthy for as long as possible has become a priority of ours. Getting her covered with pet insurance felt like the necessary action as responsible pet parents. As more advancements in veterinary care are established, the more we can expect vet visits and unexpected care costs to rise. Being covered by Embrace removes the tough decision we would face if we couldn’t afford to get her lifesaving care should she ever need it. Now, we have that peace of mind and are looking forward to many more wild and crazy years with Willow -- and honestly, no one can put a price on that.
5 More Reasons to Love Embrace Pet Insurance:
- Embrace’s diminishing deductible is next-level. Every claim-free year knocks $50 off the deductible for the following year. It can even be reduced to as little as $0.
- Embrace give back where it matters. The company donated more than $50,000 last year and continues to give $2 from every policy. Plus, they match all employee charitable donations.
- Embrace’s mobile app makes it easy to access your pet policy and submit claims at any time.
- You can make clear decisions with no unexpected vet expenses when accidents happen.
- No networks. This means you can visit any specialist, veterinarian, or emergency vet you’d like, and Embrace will pay you back.