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Yahoo
6 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.
Newsweek
27-05-2025
- Entertainment
- Newsweek
Senior Dogs Enjoying Their 'Ball Chase' Together Melts Hearts
Based on facts, either observed and verified firsthand by the reporter, or reported and verified from knowledgeable sources. Newsweek AI is in beta. Translations may contain inaccuracies—please refer to the original content. A pair of senior Staffordshire bull terriers have won over the internet with their slow but determined ball chase around the house. In a viral TikTok video shared on Friday under the username @kaseyej13, the two pups, Ava and Alfie, can be seen chasing each other to play with the same ball, despite having one each, before a tense altercation leads them to part ways. "Senior citizens ball chase", the poster writes in the clip, as she explains in the comments that they always want to steal each other's toys. As they age, dogs become significantly slower, their will suffer from stiffness in their limbs, grow more impatient, and often go gray around the muzzle. The age at which a dog is considered a senior varies greatly depending on their size and breed, with smaller breeds generally living longer than their larger counterparts. Pet MD says that while it is still not fully understood why large dogs don't live as long as smaller breeds, experts believe it's due to smaller dogs having less stress on their bodies, particularly their hearts. Because of this, larger dogs are considered seniors much sooner. Small breeds like the Dachshund are usually labeled as seniors around 10 to 12 years, and medium breeds, like Australian Shepherd, at 8 to 10 years. Larger breeds like the boxer have a shorter lifespan, and thus, they are considered seniors at around age 8 to 9, while for giant breeds, like the Great Dane, the number goes down to around 6 to 7 years. A stock image shows two Staffordshire bull terriers on a walk. A stock image shows two Staffordshire bull terriers on a walk. getty images The video quickly went viral on social media, having received over 1.8 million views and 384,400 likes on the platform so far. One user, Elly B, said in the comments: "I'm disabled this is how my Labrador runs when I play chasey, anyone else he goes full speed but he pities me." SylviaR wrote: "Did they nap for a couple hours after that exhausting ball chase?" Another user, KiwiMel14, commented: "At one point I was worried they would send the furniture flying they were going so fast. Such cuties." Windchijmes187 added: "I think it's wonderful they have each other to play with even in their older years. Such privilege and fortune to be able to grow old together." Newsweek reached out to @kaseyej13 for comment via TikTok comments. We could not verify the details of the case. Do you have funny and adorable videos or pictures of your pet you want to share? Send them to life@ with some details about your best friend and they could appear in our Pet of the Week lineup.
Wales Online
25-05-2025
- Entertainment
- Wales Online
Death Valley's Timothy Spall's 'pain and horror' over health scare
Death Valley's Timothy Spall's 'pain and horror' over health scare The award-winning actor said his leukaemia diagnosis was 'a shock' Timothy Spall stars as John Chapel in the new BBC comedy crime dram Death Valley Actor and BAFTA winner, Timothy Spall has shared his harrowing experience of facing leukaemia, revealing there was a point where he feared he "might not make it". The 68-year-old will star in BBC's new comedy crime drama, Death Valley, where he plays retired TV detective John Chapel. The esteemed actor, is celebrated for his decades of work on TV and film, notably his roles as Barry in '80s classic Auf Wiedersehen, Pet and Peter Pettigrew in the Harry Potter series as well as his performance in the 2014 film Mr Turner. After receiving a diagnosis of the life limiting condition, he described the prospect of leaving his family as "unbearable". In an intimate discussion with Saga Magazine, Spall recounted the moment he received his leukaemia diagnosis in 1996, and the ensuing "horror" at the thought of dying and its impact on his family. For the latest TV and showbiz gossip sign up to our newsletter . He said: "I was 39 and we had three kids, and out of the blue I was diagnosed with a life-threatening disease called acute myeloid leukaemia. When I was told I had it, I got down on my knees and asked God to spare me for my family." Timothy continued, reflecting on the darkest times: "There was a time when they thought I might not make it. The only really unbearable thing was what my family would do if I went? I wouldn't be there to look after them, and that was my job as a husband and father." The English actor is happily married to writer Shane Spall and is the proud father of three children: Rafe, Pascale, and Mercedes. Article continues below Spall delved deeper into his emotional turmoil: "The pain and the horror of what me dying would do to the people I loved was the only unbearable side of it. The rest I could take. "One day, between treatments, the doctors had done tests and they thought I'd relapsed. A massive mushroom-type thing had grown in my lung. I was about to go and have full body radiation and a bone marrow transplant knowing there were things in my body that'd potentially kill me. That morning, I woke up and thought, sod this, I'm not going to die." When discussing his relationship with his wife of 44 years, he said that the pair were inseparable and practically joined at the hip. He explained: "We got married four months after we met. I think there is a lot to be said for marrying someone you don't know. I was just in love with her. She is also my best mate." Timothy and his wife, also share a love for Wales. His new venture, Death Valley, was filmed and is set in South Wales which the actor called "extremely beautiful." He said: "I have worked in Wales a couple of times, and my wife and I also went all along the coast on our boat. I know every port along the way, so I've spent a bit of time there, the coast is so beautiful." Timothy continued: "Cardiff is a lovely, very friendly, and welcoming place. We were based in Cardiff, but you are half an hour away from the most exquisite countryside." Article continues below The leading actor, who plays TV detective John Chapel, even calls it "god's country" at one point in the series. Death Valley will air on Sunday, May 25 at 8.15pm on BBC One, however the whole boxset will be launching on BBC iPlayer at the same time.
Scoop
21-05-2025
- Entertainment
- Scoop
Catherine Chidgey's The Book Of Guilt Is The First NZ-Published Book To Hit Number 1 This Year
According to NielsenIQ BookData, the leading provider of consumer research and retail sales analysis for the book industry, The Book of Guilt by Catherine Chidgey (Te Herenga Waka University Press) is the first New Zealand published book to hit number one overall this year to date with over 1000* copies sold through the New Zealand BookScan panel of retailers, following Chidgey's recent successful appearance at the Auckland Writers Festival, Waituhi o Tāmaki. Number two in this week's chart is The Let Them Theory, by Mel & Sawyer Robbins (Penguin Random House) and The Book of Guilt has now broken its 5-week run at the top of the charts. Catherine Chidgey is no stranger to the New Zealand bestseller charts, appearing a total of 183 times across various positions in the NZ Fiction top 10 (since BookScan began sales tracking back in 2008) for her books, Pet (2023), The Axeman's Carnival (2022), (both Te Herenga Waka University Press), Remote Sympathy, (2020), and The Wish Child (2016) (both Victoria University Press). Chidgey has previously hit number one on the NZ Fiction chart 25 times prior to this latest week across these same four titles and last week, The Book of Guilt went straight to number one on the NZ Fiction chart after only 3 days on sale. This current week marks a new milestone however, with The Book of Guilt coming in at number one overall across all types of book sales (all genres, both NZ-published and international books). Nevena Nikolic, Territory Manager for NZ, said: 'There has been a 206% increase in sales from 2020 to 2024 for Catherine Chidgey's titles proving her star is on the rise in New Zealand in terms of book sales. This latest novel, The Book of Guilt, looks set to break further records based on early sales to-date.' *Source: NielsenIQ BookData New Zealand, BookScan data to week ending 17 May, 2025 About NielsenIQ BookData NielsenIQ BookData offers a comprehensive range of services to the international book industry, supporting the discovery, purchase, distribution, and sales measurement of books. We proudly manage the ISBN and SAN Agencies for the UK & Ireland, providing publishers with a suite of services, from assigning ISBNs to adding metadata to our database, along with promotional tools to help market your book effectively. For booksellers and libraries, we offer access to our database of over 52 million book records for title look-up, enriching websites, and managing internal systems. Our research services deliver retail sales analysis for both print and e-books across 17 territories, complemented by insights from our Books and Consumers Survey, as well as Country and Genre-specific reports. The company is wholly owned by NIQ. For more information, visit:
Metro
19-05-2025
- Metro
Couple renovating their 1850s home make a chilling discovery
A couple renovating their 175-year-old Victorian house were left on edge after finding bones, teeth and a pigeon carcass in their walls. Millie Molloy, 24, and Brad Worth, 23, from Plymouth, bought what they thought was an ordinary £175,000 two-bedroom home in July 2023. But when they started to find animal bones wrapped in muslin, a hammer and even a woman's heeled show, concern started to grow. 'It puts you on edge,' Millie said. 'We could see teeth – it was still very odd. The pigeon made me jump – it was in the chimney breast.' The couple feel slightly more at ease now after being told by a local historian that the animal bones were put in the wall to ward off evil spirits. The hammer had been left because of a previous renovation, while the woman's heeled shoe was left because it protects fertility. Both Millie and Brad have decided to keep the shoe back because they plan on having children one day. They also found a postcard dating back to 1952 which helped them find out that the home was once a butchers in the 1920s. The couple are taking the eerie discoveries in their stride and are spending £30,000 to £40,000 incorporating some of the Victorian elements back into the home which they aim to finish this summer. Millie added: 'We fell in love with Victorian elements. 'Now we are creating a mixture of soft modern and Victorian elements.' In March, a human skeleton was found inside a home in Ancaster, north east of Grantham. Police said they were unsure how old the remains were and no formal identification has taken place. More Trending Pictures from the scene showed a blue tent set up in the garden of a home in the village, with entrances taped off. In 2018, a couple made a gruesome discovery after finding the remains of their previous homeowner inside their wall. The new tenants found the remains of Mary Stewart Cerruti, 61, in Texas, more than a year after she went missing. Police believe she got wedged in the wall space after falling through her attic floor. Get in touch with our news team by emailing us at webnews@ For more stories like this, check our news page. MORE: Decapitated dog found dumped in shallow ditch MORE: Virus carried to UK by mosquitoes 'has killed up to 40% of local blackbirds' MORE: Transform your dog's health with a Pure Pet Food subscription from 89p per day
