2 in our rating of the Cheapest Pet Insurance Companies. Embrace’s sample rates are some of the lowest in our study, and it’s also No. The insurer’s waiting periods are 48 hours for accidents and 14 days for illnesses. All Embrace plans come with the Healthy Pet Deductible, which reduces deductibles $50 each year a policyholder goes without being reimbursed for a claim. Embrace has an add-on that can provide three tiers of routine wellness coverage: $250, $450, or $650. However, once a pet is signed up, the coverage they’re granted will be there for life. Dogs and cats 14 and younger are eligible for the former the latter is the only sign-up option for pets 15 and older. Coverage and costs: Embrace has accident-and-illness plans and policies that cover accidents only. It offers policyholders multiple options for customizing their premiums, and in addition to its plans covering accidents and illnesses, has an add-on for wellness care. 2 in our rating of the best pet insurance companies. See Full Review »Īpp Available Yes Summary: Embrace, which sells pet insurance policies for dogs and cats in all 50 states, is tied at No. The accident-only plan has set terms: A $250 deductible, a 90% reimbursement rate, and a $10,000 annual limit. Customizations: The accident-and-illness plans offer a number of deductible options, reimbursement rates from 70% to 90%, and annual coverage limits from $2,500 to unlimited. Pets Best offers a discount for insuring multiple pets and has a military discount as well. Its sample monthly rate for a cat is $11.76. We found a sample rate of $26.51 per month, on average, to cover a dog with a Pets Best policy. Its accident-only plan covers bites, lacerations, fractures, and other conditions resulting from accidental injury. Hospitalizations and surgeries, as well as some tests and scans, are covered as well. Its accident-and-illness plans cover injuries related to accidents, illnesses such as cancer, hereditary conditions, and congenital conditions. Coverage and costs: Pets Best sells policies covering accidents and illnesses, and also has a plan that covers accidents only. All plans provide access to the insurer’s 24/7 Pet Helpline, which can provide answers to pet-related questions day or night. It’s available in all 50 states and has shorter waiting periods than some insurers we studied: three days for accidents and 14 days for illnesses. The insurer offers a range of choices for customizing a policy and has multiple plans that offer unlimited coverage. 1 in our rating of the Best Pet Insurance Companies.
App Available Yes Summary: Pets Best is No.
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