Pet Insurance is now fairly common in the U.S.A, with over 1 million now having a insurance plan for their dog or cat. Sometimes a unexpected illness can develop like cancer, where pet insurance allows you to cover the expenses of chemotherapy. Having pet insurance is often the difference between keeping their dog alive with hope or having to put him to sleep because they cannot afford thousands of dollars in bills. Embrace Pet Insurance was started in 2006 and although it is a relatively new company, I believe it is one of the better, if not the best one.

Embrace Pet Insurance will cover all chronic or pre-existing conditions. Some other pet insurance plans will not do that because they consider them a genetic or pre-existing problem. Embrace will also cover accidents, lab tests, chemotherapy, medical scans, alternative therapies, and surgery. If you want your policy to cover prescription drugs or advanced dental illnesses then you have to get optional coverage for that though. Embrace doesn’t cover teeth cleaning or the cost of a general vet visit.

Average premiums per month on for a small dog are about $25, for a deductible of $200 and a maximum lifetime payout per claim of $10,000. You can choose the deductible amount and total claim amount. Actual monthly premium price will depend on the dog breed, it’s health, and the actual policy you choose. Embrace Pet Insurance will cover all pre-existing conditions that weren’t known to already exist before the policy starts. Other companies either charge extra for pre-existing conditions or not at all.

Embrace Pet Insurance is very flexible. They don’t have network vets that you must go to. They also will reimburse your vet bill directly instead of a benefit schedule. I found the customer reps very friendly and up front too. I think Embrace pet insurance gives you a lot of freedom and good coverage for the right price.

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