Embrace Pet Insurance
Georgia Health Agents independently reviewed the 12 most popular pet insurance companies since 2008. Embrace Pet Insurance ranked highest or tied for highest in every category including price, benefits, network availability, and customer satisfaction – easily convincing us to use Embrace as our preferred pet insurance provider.
More About This Carrier
Every Embrace policy protects your pet against:
- Genetic and Congenital Conditions
- Alternative and Complementary Therapies such as hydrotherapy and acupuncture
- Cancer and Chemotherapy
- Surgery and Hospitalization
- Laboratory Work and Diagnostic Tests including blood, urine, fecal, ultrasound, MRI, and CT scans
- Drugs administered during your pet’s stay in a veterinary clinic
- Dental Trauma due to an accident
- Accidents
Embrace Pet Insurance offers a customizable policy unlike any other on the market. This means that as a pet parent you decide how much and what type of coverage you want. Each pet on your policy can have different maximums, deductibles, and optional coverages. For example, if you have a young, healthy dog and an older, indoor cat then you could customize pet insurance coverages for each pet to get just the right level of protection. You can customize:
- Annual Maximum: Choose from $2,000, $5,000, or $10,000 per year
- Annual Deductible: Choose from $100, $200, or $500 per year
- Co-pay: Choose from 10%, 20%, or 35%
- Prescription Drug and Dental Illness Coverage: Choose whether you want this or not
- Continuing Care Coverage: Choose whether you want this or not
- A customizable policy gives you a choice on how you want to split your veterinary bills with the insurance company. For example, one of the best ways to keep your premium low but still provide maximum protection is to choose a policy with a high-deductible and a high annual maximum. So if you choose a $500 deductible with a $10,000 maximum, you have excellent major medical pet insurance that won’t pay for the small incidents but is there to really protect you from the big stuff.
On the other hand, if you’re a student or a senior on a budget and you want to minimize your out-of-pocket costs then you can modify your pet insurance coverage to have a lower deductible and a lower co-pay. And it’s easy to do. The best thing is, you never have to sacrifice coverage and you get to choose how much you want to pay out of every veterinary bill and how much you want Embrace to pay.
Are there any “gotchas”? Well, not really, although pre-existing conditions are not covered – some may not be covered permanently while others may be covered in your second policy year onwards. See the pre-existing condition guidelines for a more detailed explanation.