Posted by Dr. Robert Sleeter in 
After the loss of our 19 yr old and later our 14 yr old cats we thought about buying pet insurance on our newly adopted 1 yr old cat. We compared the common pet insurance carriers, their policies and payout for illness/accident coverage and came across Embrace Pet Insurance. They have a plan the pet owner customizes to match their own budget from basic to full coverage. A policy based on customer’s choice, not by a “limited” fee schedules as other pet insurance carriers offer.
We selected a $200 deductible, 10% co-Pay, coverage $10,000 for $21/mo per cat, a 1 and 2 yr old in San Mateo County, CA. Rates are based on zip code (which is good as vet expense in our area are very high), we get a 15% discount for microchip, 2nd pet, and paying annually.
The website is user friendly at: www.embracepetinsurance.com
About a month after obtaining coverage, our cat almost died from a serious Sepsis infection. Hospitalized at 2 facilities, Embrace totally delivered covering 90% of expenses after deductible. Our cat Termyte had 3 other visits that year, which were also covered, Embrace paid promptly (before the VISA bill arrived). Our vet bills totaled around $3,000 that first year. Now a customer for 2-1/2 yrs we are still impressed and added our 2nd kitty to the plan. The best pet insurance out there by far.
Underwritten by Lloyd’s of London is impressive. The “Embracer’s” as they are called are knowledgeable, caring and compassionate. We knew this company was something special!
Click here to go learn more about Embrace Pet Health Insurance.
Most people take out Pet Insurance because bills for serious vet treatment can be very expensive; often prohibitively so leading to animals being ‘put down’ in many cases.
Pet insurance is really good stuff…definitely helps keep vet costs down and gives us peace of mind. I don’t have embrace, but i’ve heard some good things about them, however, we went with another company who has similar coverage, but had a lower premium for our dog and covers 90% and doesn’t increase our premium every year our pet ages. Good to shop around before buying, but I think all pet owners should get pet insurance.