You know a company is going to provide great customer service when you learn that one of its founders didn’t even stop working while she was in labor, but that’s exactly what happened with Laura Bennett, one of the two founders of Embrace Pet Insurance, the other being Alex Krooglik. The two met during their MBA programs and started Embrace following graduation with the desire to create a pet insurance company dedicated to superb customer service. They not only care for the dogs and cats they insure, but for the owners as well, since they understand the strain a pet’s illness or injury can have on a loving owner; it’s not only emotionally tough to watch your four-legged friend be in pain or discomfort, but it’s also mentally draining if you’re simultaneously trying to figure out where you can get extra funding from to pay unexpected vet bills. This is the worry Bennett and Krooglik wanted to eliminate by helping pet parents get the monetary assistance they need when they truly need it with no games, hidden fees, or insurance nightmare loopholes. They dedicated themselves to their customers so much that they created a Customer Bill of Rights with their top 8 priority promises to clients, such as “You have the right to complain and be heard,” and “You have the right to know what you are buying.” It’s not everyday you find that kind of transparency with an insurance company, but Embrace wants to ensure customers always know they are the top priority.
Embrace made sure to create policies pet owners would actually want because it would cover all the essentials, plus the extras you might not consider on your own or that other providers don’t cover, such as exam fees and allergy testing. Their standard policies also cover lab tests, biopsies, MRIs and xrays, laparoscopies, acupuncture, laser surgery, and physical therapy; this is all in addition to the common needs, such as surgery, hospitalizations, hereditary and chronic conditions, accidents, dental trauma, cancer treatment, and cremation. Embrace also feels strongly about preventing animal cruelty, so they are strict on excluding harmful procedures, unethical treatments, and deliberate injuries.
As with any pet insurance company, there are a few things that Embrace doesn’t cover, namely:
Embrace knows that policy variation is a necessity for customer satisfaction so anyone can create the policy that is most effective and affordable to them. They offer an annual deductible range from $100 - $1,000 and a reimbursement range from 70% - 90%. They offer policy limits from $5,000 up to $Unlimited. They also offer unlimited lifetime limits up to the policy limit per year. They also offer Wellness plans.
| Policy Coverages | |
|---|---|
| Deductible Type | Per Year |
| Deductible Options | $100 - $1,000 |
| Reimbursement Options | 70% - 90% |
| Policy Limit Options | $5,000 - $Unlimited |
| Lifetime limits | Unlimited up to policy limit |
| Wellness Cover Cost | Up to $650 optional |
| Accidents & Illnesses |  |
| Vet Exam Fees | |
| Rx Medications | |
| Emergency Visits | |
| Hospitalization | |
| Surgery | |
| Cancer Treatments | |
| Specialists | |
| Outpatient Care | |
| Alternative Therapies | |
| Waiting Periods | |
| Deleware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington: | |
| Policy Coverage Starts | 2 days after sign up |
| Accidents | 0 days after policy starts |
| Illnesses | 14 days after policy starts |
| For Most States: | |
| Policy Coverage Starts | At midnight after sign up |
| Accidents | 2 days after policy starts |
| Illnesses | 14 days after policy starts |
As mentioned, Embrace has great choices of options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:
Your dog needs back surgery due to a ruptured disk, and then needs physical therapy after to get him back to normal. The cost of the surgery, therapy, and post-op medication will total $12,460. After your $200 deductible and a 90% reimbursement rate, you will get back $11,014.
Your mischievous pup got into the bathroom trash while you were away at work. You come home to see some remnants on the floor and take him to the vet. An x-ray shows he has swallowed hairpins, Q-Tips, rubber bands, and plastic, and will need surgery to treat it. The total for the x-ray and surgery will cost $4,890. Following your $200 deductible and 80% reimbursement, you will get back $3,712.
Your 11 year old cat is diagnosed with cancer after a tumour is found near her kidney. The vet is hopeful of recovery since it was found early, but surgery to remove the tumor, plus a round of chemotherapy are still needed. After all is said and done, the total bill comes to $14,270. Following your $300 deductible and a 90% reimbursement, you will get back $12,543.
Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.
To see all of Embrace’s plan options, click here to compare pet insurance plans, but here are a couple of examples:
| Breed: British Short Hair cat |
| Age: 6 years |
| Zip code: 60005 |
| $10,000 coverage |
| $200 Deductible |
| 90% Reimbursement |
| Plan Cost 37.19 Per Month |
| Breed: Siberian Husky |
| Age: 2 years |
| Zip code: 63103 |
| $15,000 coverage |
| $300 Deductible |
| 80% Reimbursement |
| Plan Cost $33.36 per month |
When it comes to finding a quality pet insurance company, you don’t need to look any further than Embrace. They clearly put their customers first and want to help pets and pet owners any way they can. We also love that they don’t require networks, but instead let you visit any vet you want, and they also offer 5% discounts for payments made directly from a bank account. We at Pet Insurer love animals, and think it is wonderful that Embrace cares for our furry friends just as much as we do. You won’t be disappointed with an Embrace policy.
