Latest news with #EmbracePetInsurance
Yahoo
5 days ago
- Business
- Yahoo
Embrace Pet Insurance review 2025
Embrace rating: 4 out of 5 stars Best for: Discounts for healthy pets Pet owners will appreciate Embrace Pet Insurance for its ample coverage and below-average, competitive costs. Unfortunately, coverage for vet exam fees and prescriptions require buying add-ons, but, in general, Embrace provides wide-ranging coverage features. Embrace also stands out for its Healthy Pet Discount Program, which automatically applies a 5% discount in the first year if your pet's claims are less than $300. There's a 10% discount in the second year for low claims as well as a 10% discount for insuring multiple pets. Learn more: How does pet insurance work? A complete guide. Pros An unlimited annual coverage option is available. Costs are below the average in our analysis. Preexisting conditions are covered if the pet has had no symptoms or treatment for one year. Behavioral therapy and alternative therapy are covered, including hydrotherapy, acupuncture, physiotherapy, therapeutic laser treatment, and chiropractic. Cons There's a six-month waiting period for canine orthopedic problems, but getting an orthopedic exam will reduce it to 14 days. You have to buy add-ons to get coverage for vet exam fees and prescriptions. Prescription food and supplements are not covered. Consider these essential features when comparing pet insurance policies. Annual maximum limit choices: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited Deductible choices: $100, $250, $500, $750, $1,000 Reimbursement choices: 70%, 80%, 90% For accident coverage: Begins at 12:01 a.m. ET the day after you purchase a policy For illness coverage: 14 days Special waiting period: six months for canine orthopedic conditions, which can be reduced to 14 days with an orthopedic exam Minimum pet age: 6 weeks Maximum pet age: None Embrace Pet Insurance offers extensive coverage under its accident and illness plan. Here are highlights of the coverage in the base policies (without add-ons). The accident and illness policy covers the following conditions (annual limits, reimbursement, and deductible vary based on the coverage you choose): Hereditary and congenital conditions such as cherry eye and Wobbler syndrome Diagnostics such as X-rays and ultrasounds Dental accidents and illnesses Cancer Behavioral therapy Alternative therapy Euthanasia when needed for humane reasons The accident-only plan provides up to $5,000 in reimbursement, has a $100 deductible, and covers accidents such as the following: A torn cruciate ligament Swallowing a foreign body Getting hit by a vehicle Poisoning Cuts and lacerations Prescription medicine for conditions covered by the policy (except in New York) Bloat Embrace's Wellness Rewards program is an optional add-on to its accident and illness policies that functions much like a savings account for routine screenings expenses and preventive pet care. It's not an insurance policy, so there are no deductibles or copayments. You can choose from three benefit amounts: $300, $500, or $700 per year. You can access the funds from day one, but overall, the advantages of using this plan are minimal. Your monthly payments over the year will equal the full benefit amount minus $25 that Wellness Rewards kicks in. You may find that the $25 in savings isn't worth the paperwork, and unused funds don't roll over at the end of the plan year. So if you have $150 left at the end of the year, you lose that money. Embrace's Wellness Rewards plan can be used for the following types of care and doesn't have per-item limits: Routine wellness exams Vaccinations Blood and fecal tests Spaying/neutering Microchipping Routine dental cleaning Grooming Flea, tick, and heartworm prevention Routine gland expression Alternative treatments, nutritional supplements, and prescription pet food Training Cremation and burial Learn more: Your guide to what pet insurance covers Embrace does not cover preexisting conditions. It defines a preexisting condition as 'any injury, illness, or abnormality noticed by you or your veterinarian before your policy started, even if your pet never went to see the vet for it.' However, if your pet has a curable preexisting condition and remains symptom-free and treatment-free for a year, Embrace will cover the condition if it returns. All Embrace policies include access to a 24/7 pet helpline through partner PawSupport. PawSupport's staff can help with making decisions about your pet's care, but cannot diagnose conditions or prescribe medication. Embrace policies won't cover expenses such as: Routine care Preexisting conditions, except curable conditions that have had no symptoms or treatment for a year Alternative treatments Cosmetic procedures such as tail docking and ear cropping Boarding Breeding and pregnancy DNA testing or cloning Organ transplants Natural supplements and vitamins Injury or illness from fighting, racing, cruelty, or neglect Increases: You can increase your coverage, such as increasing the maximum limit or lowering your deductible amount. But waiting periods and preexisting condition rules will reset, much like buying a new policy. Decreases: You can decrease your coverage at any time to lower your premium by increasing your deductible, decreasing your annual maximum limit, or decreasing your reimbursement rate. There's no reset of waiting periods if you decrease coverage. Embrace Pet Insurance is competitively priced with average rates less than average in our analysis. Embrace's policy with $5,000 in annual coverage costs 7% less than the average in our evaluation. For unlimited annual coverage, Embrace Pet Insurance costs 17% less than the average in our evaluation. Yes, Embrace offers a 10% discount if you insure more than one pet. This is comparable with other insurers' multi-pet discounts, which are usually 5% or 10%. No, you must pay your vet and then submit a claim with Embrace. However, if you expect a large bill, you can try asking for a special arrangement ahead of time. Learn more: Pet insurance that pays the vet directly: How does it work? Here's what to know about filing claims with Embrace: To make a claim: You must submit an itemized invoice for your pet's vet visit and a completed claim form when submitting a claim by email, fax, or mail. Reimbursements are paid by check or direct deposit. To submit claims quickly: Log in through the MyEmbrace online customer account, provide the requested information, and upload your invoice. This method doesn't require submitting a claim form. To receive reimbursements faster: Enroll in direct deposit through your online customer account to receive reimbursements within one to two business days after a claim is processed. If your claim is denied: You can appeal the decision. The appeal process will be outlined in your policy document. You must submit claims within 60 days after the end of your policy's term. Embrace processes accident and illness claims within 10 to 15 business days. It processes Wellness Rewards claims within five business days. Claims will be delayed if you do not submit all necessary information. The highly rated Embrace Pet Insurance app makes it easy to manage your policy. You can check your coverage and see remaining limits, submit and view claims, add pets, change coverage, update billing information, and send messages to the claims team. Embrace mobile app ratings: Apple App Store: 4.8 out of 5 stars Google Play Store: 4.6 out of 5 stars Learn more: The best pet insurance companies 2025 Embrace Pet Insurance is available in all states. The Embrace Wellness Rewards program provides reimbursement for vaccinations. You can add the plan to an accident and illness policy. Learn more: Does pet insurance cover vaccines? Your pet must have been examined by a veterinarian within the 12 months before enrolling in an Embrace policy or within the first 14 days of the start of the policy. You can contact Embrace by phone, fax, your online customer account, or the Embrace mobile app. You can call Embrace at 1-855-540-2104 Monday through Friday (9 a.m. to 8 p.m. ET) and Saturday (10 a.m. to 2 p.m. ET). The fax number is 1-800-238-1042. You can cancel an Embrace Pet Insurance policy at any time by calling 1-800-643-7578. You can receive a full refund if you cancel within 30 days of your policy start date and have not submitted any claims. If you cancel after 30 days of the start of your policy or have submitted claims, you may be eligible for a prorated refund. Prorated refunds are calculated from the day after you cancel to the end of your current billing cycle. Amy Danise and Tim Manni edited this article. We researched the coverage details and prices for 15 pet insurance plans. We then weighted categories, and each pet insurer was scored relative to the others to find the best pet insurance companies. Here are the factors we incorporated. Coverage types: 40% of score. We examined the coverage provided by the base policy without the extra cost of add-ons. This encompassed coverage for alternative therapy, behavioral therapy, dental illness, euthanasia or end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, prescription food and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets. Average cost: 30% of score. We evaluated costs in five states for $5,000 and unlimited coverage for a mixed-breed dog (age 1), a French bulldog (age 5), and a Labrador retriever (age 8). Unlimited coverage option: 10% of score. We gave points when pet insurers offered an unlimited annual limit (or a $100,000 limit), which gives pet owners the most robust financial protection possible in the event of a catastrophic pet medical issue. Direct payments to the veterinarian: 5% of score. We gave points to pet insurers that state on their websites that they accommodate direct vet payments. No special waiting periods for special conditions: 5% of score. We gave points when pet insurers have no waiting periods for special conditions, such as cruciate ligament conditions. Routine wellness plan: 5% of score. Companies that offer a routine wellness plan in addition to pet insurance received points. Multi-pet discount: 5% of score. We gave points when pet insurers offered a discount for insuring multiple pets.
Forbes
28-05-2025
- Health
- Forbes
Traveling With Pets: Tips To Make It Easy
getty Traveling with pets is not always easy. Small animal veterinarian Dr. Liza Cahn, a consultant for Embrace Pet Insurance, gives tips on how to make the process easier. For both you and your pet. However you plan to travel with your pet, be it by car, train, plain or bus, it's extremely important to prepare ahead of time. There are generally lots of options for finding pet-friendly accomodations. There are several websites dedicated to this. Many hotels and airbnbs also allow pets, although it's important to fully read and understand their pet policy ahead of time, as they may require additional fees or for your pet to be current on specific vaccinations. When in doubt, get in touch directly with the accommodation. While all the tips above apply to flying with pets, a few other considerations include scheduling a direct flight whenever possible and traveling at times that are less busy. It is safest for your pet to fly in the cabin with you, however, there are strict size requirements. The next best option is shipping your pet as manifest cargo. This is safer than sending them as checked baggage, due to stricter handling procedures and temperature control. Always research the airline's policy well ahead of travel. They have requirements ranging from the size and type of crate that is acceptable to what you can put in the crate with your animal. Ideally, you want to include a few comfort items, such as familiar toys and bedding, a small litter box for cats, as well as plenty of fresh water.
Daily Mirror
24-04-2025
- Health
- Daily Mirror
Healthiest dog breeds that are less likely to need costly vet trips are named
Before bringing a dog into your home it's worth considering how much they might cost you in the long run, so investing in a breed that is less prone to illness could save you some cash Getting a dog is a significant investment. Your new furry friend can bring plenty of joy to your life, but they also come with a fair share of expenses. Food, vaccines, toys and of course, the dreaded vet bill can all add up pretty quickly and leave your wallet feeling much lighter. However, there are certain breeds of dog which are less prone to illness, which could save you some cash if you decide to invest in one of these charming canines. According Dr Liza Cahn, a veterinarian at Embrace Pet Insurance, there are 10 different breeds which are less likely to see you spending half your life at the vet. Starting off strong, the Australian Cattle Dog is known to be a hardy breed. These working dogs are incredibly high energy and need an owner with plenty of time to tire them out on walk, but they are not prone to disease. Dr Cahn told that these dogs make great pets: "Australian Cattle Dogs are built for endurance and benefit greatly from an active lifestyle." Another working breed that is known for its health is the Border Collie. These dogs are not only one of the smartest breeds, but their drive for work and exercise means they're more likely to stay strong as they age, reports the Express. Next up is another Aussie breed - the Australian Shepherd. These beautiful dogs are famous for their gorgeous coats and as working dogs, they are bred to be resilient. Huskies require some elbow grease when it comes to their thick double coats, needing frequent grooming sessions to maintain their prime condition. However, they are heralded as one of the most robust dog breeds you can own. According to Dr Cahn, "Bred for cold climates and tough physical tasks, Huskies have evolved into a naturally strong and hearty breed." These quirky pooches shine not only in health but in silence too. Given the unique makeup of their vocal cords, this hardworking breed literally can't bark, which is ideal for those in search of a less noisy furry companion. The ancient lineage of these dogs complements their renowned vitality bolstered by vigorous genetics. Their distinctive fox-like looks and manageable size have garnered them plenty of admirers. Then there's the Beagle, another lively breed with hunting origins boosting its place among the healthier tail-waggers. Dr Cahn notes: "As active hunting dogs, Beagles stay fit, contributing to their overall robust health." These canine companions are not just healthy; they are also incredibly amiable, making them a hit in any family dynamic. Though they demand an appropriate diet and consistent exercise to really prosper, with well-looked-after joints they're good to go. Despite being smaller in stature, these dogs stand out in the health department. Yet, don't forget about grooming those ears unless you fancy vet visits for infections. According to a vet, mixed-breeds such as Labradoodles often reap the benefits of "hybrid vigour," indicating that their genetic diversity can lower the risk of inherited conditions.
Business Mayor
23-04-2025
- Health
- Business Mayor
The 10 healthiest dog breeds that won't need constant trips to the vet
Everyone knows that getting a dog is an investment. Your new furry friend can bring plenty of joy to your life, but they come with plenty of bills too. Food, vaccines, toys and of course, the dreaded vet bill can all add up pretty quickly and leave your wallet feeling much lighter. However, there are certain breeds of dog which are less prone to illness, which could save you some cash if you decide to invest in one of these charming canines. According Dr Liza Cahn, a veterinarian at Embrace Pet Insurance, there are 10 different breeds which are less likely to see you spending half your life at the vet. Australian Cattle Dog Starting off strong, the Australian Cattle Dog is known to be a hardy breed. These working dogs are incredibly high energy and need an owner with plenty of time to tire them out on walk, but they are not prone to disease. Dr Cahn told that these dogs make great pets: 'Australian Cattle Dogs are built for endurance and benefit greatly from an active lifestyle.' Border Collie Another working breed that is known for its health is the Border Collie. These dogs are not only one of the smartest breeds, but their drive for work and exercise means they're more likely to stay strong as they age. Australian Shepherd Next up is another Aussie breed – the Australian Shepherd. These beautiful dogs are famous for their gorgeous coats and as working dogs, they are bred to be resilient. Siberian Husky Huskies can be a lot of work – their thick double coats need regular grooming to stay in tip top condition, but they are also one of the healthiest breeds you can get. Dr Cahn said: 'Bred for cold climates and tough physical tasks, Huskies have evolved into a naturally strong and hearty breed.' Basenji These quirky canines are not only a healthy breed but a quiet one too. Due to the structure of their vocal chords this working breed physically cannot bark which makes them great for someone who wants a quieter pet. Shiba Inu These dogs are an ancient breed, and known to be healthy because of their strong genetics. Their unique fox-like appearance and relatively small size make them a popular breed. Beagle Beagles are another active breed, originally bred for hunting which makes them one of the healthier canines. Dr Cahn said: 'As active hunting dogs, Beagles stay fit, contributing to their overall robust health.' Labrador Retriever This breed is a family favourite for their friendly and lovable nature but they are also a relatively healthy dog. Although they require a proper diet and regular exercise they can thrive. However, they do require maintenance to prevent joint issues which can become a problem. Cocker Spaniel These smaller dogs are a popular and healthy breed as their size makes them less likely to develop problems. However, their ears require regular grooming to prevent infections. Mixed-breed dogs Mixed-breeds like Labradoodles often benefit from 'hybrid vigour,' according to the vet, which means their genetic diversity lowers the risk of inherited conditions. Read More Aroma Fills A Void In New York's Chelsea For Great Indian Cuisine READ SOURCE
Yahoo
31-03-2025
- Business
- Yahoo
As National Charitable Giving Holds Strong, Embrace Pet Insurance Sets New Records in Volunteerism and Fundraising
CLEVELAND, March 31, 2025 /PRNewswire/ -- Despite economic challenges, charitable giving throughout the U.S. remained strong. According to the most recent data from Giving USA 2024, national donations surpassed $557 billion in 2023. Embrace Pet Insurance, a premier provider of health insurance for dogs and cats in the U.S., made a record-breaking impact in 2024, as outlined in its newly released Community Impact Report, "Compassion Unleashed: Our 2024 Impact Journey." The report highlights an 88% increase in volunteer hours and a 56% rise in funds raised for nonprofits compared to the previous year. Embrace's 360 employees dedicated 3,025 volunteer hours and helped raise $788,000 for more than 140 nonprofit organizations nationwide, supporting both animal welfare and broader community needs. The company's growing commitment to giving reflects a larger national movement—on GivingTuesday alone, U.S. donors contributed a record $3.6 billion, and nearly half of Americans reported making an extra effort to give back before the year's end. "This update is always one of my favorites to share because it reflects the heart of who we are," said Brian Macias, CEO of Embrace Pet Insurance. "Our impact in 2024 wasn't by chance—it came from intentional efforts to foster a culture of giving. From expanding volunteer PTO to organizing donation drives and service projects, we found new ways to make a difference. I'm excited to see how we continue building on this momentum." EmbraceCLE hits $1.2 million milestone in 2024 Since launching in 2020, the EmbraceCLE Challenge has brought together Northeast Ohio organizations in a friendly competition to raise funds and awareness for their causes. With 30.8 percent of Cleveland residents living below the poverty line, initiatives like EmbraceCLE play a vital role in supporting nonprofits that provide essential resources and services to uplift the community. In 2024, the campaign reached a major milestone, surpassing $1.2 million in total funds raised for Northeast Ohio nonprofits. The 2024 challenge raised $265,015, a 62% increase from 2023, further amplifying its impact on the community. To see the 2024 EmbraceCLE Challenge winners, visit our EmbraceCLE Challenge page. Investing in the future of veterinary medicine amid growing industry challenges The veterinary profession is increasingly challenged by mounting student debt and mental health struggles, with many graduates facing substantial loans and high burnout rates. In response, Embrace Pet Insurance partnered with the American Veterinary Medical Foundation (AVMF) in 2024 to launch a multi-year scholarship program to support the next generation of veterinarians. Through this initiative, five veterinary students received $5,000 scholarships, helping ease financial strain as they pursue careers in shelter medicine, providing care for homeless and at-risk animals. Among the recipients is Larrea Cottingham of Washington State University, who shared: "It is an honor to receive a scholarship that supports my passion for providing veterinary care to animals in need, whether through high-volume spay and neuter services or expanding access to veterinary care in rural communities. This award not only helps to alleviate the financial burden of my education but also represents an investment in my vision for a future where the well-being of all animals is recognized and prioritized." A culture of compassion in action Embrace's commitment to giving back extends beyond structured initiatives, with employees dedicating thousands of volunteer hours to causes they are passionate about. This dedication reflects a broader national trend, with the most recent data from AmeriCorps and the U.S. Census Bureau estimating that 75.7 million U.S. adults volunteered between September 2022 and September 2023, contributing approximately 5 billion hours of service. To view the 2024 Community Impact Report, "Compassion Unleashed: Our 2024 Impact Journey," access the full report here. For more information about Embrace Pet Insurance, visit or call (800) EMBRACE. About Embrace Pet Insurance Embrace Pet Insurance, a highly rated pet health insurance provider for dogs and cats in the United States, offers flexible accident and illness insurance plans. In addition to insurance, Embrace offers Wellness Rewards, a non-insurance, optional preventative care product that is unique to the industry. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more, with no itemized limitations. Embrace is a proud member of the North American Pet Health Insurance Association (NAPHIA) and continues to innovate and improve the pet insurance experience for pet parents across the country. Embrace Pet Insurance is a privately held organization, backed by JAB Holding Company. For more information about Embrace Pet Insurance, visit or call (800) 660-3817. Media Contacts Amber Batteiger PR and Communications Manager, Embrace Pet Insurance ABatteiger@ View original content to download multimedia: SOURCE Embrace Pet Insurance Sign in to access your portfolio
