Embrace vs. Pets Best

With pet insurance, the difference is in the details. That's why we've compiled a list of important comparison points between Embrace and Pets Best Pet Health Insurance, so you can decide for yourself.

 

Plan Features Embrace Pet Insurance Logo Pets Best Pet Health Insurance
Flexible Routine Care Plan Yes Per-item Limits
One Comprehensive Policy Yes
Diminishing Deductible Feature Yes
Coverage for Internal & External Parasites Yes
Coverage for Exam Fees on Every Policy Yes
Cruciate Waiting Period Can be Reduced Yes
Alternative Therapy Coverage Yes Extra Cost
No Illness Exclusions Yes
Medical History Requirement 12 Months Full Medical History

9 Reasons to consider Embrace over Pets Best Pet Insurance

Flexible Routine Care Plan

Pets Best Pet Health Insurance has itemized limitations for their wellness plans. If you don’t use the funds in their set categories, then you lose them. Plus, only one of their two wellness offerings reimburse for spaying or neutering.

Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs with no itemized limits. And our wellness covers all the same things no matter which annual limit you select.

One Comprehensive Policy

Pets Best Pet Health Insurance has several policy options to pick from, and the lower level policies exclude coverage for exam fees and alternative therapies. With so many options, it can be difficult for you to find what’s best for your furry friend. Embrace offers one simple yet comprehensive policy that covers every unexpected accident and illness and all treatment plan options.

Diminishing Deductible Feature

Embrace is the only pet insurer to offer a diminishing deductible. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

Coverage for Internal & External Parasites

Pets Best Pet Health Insurance will not cover treatment for fleas, heartworm, lice, ticks, and other internal or external parasites whether your pet is on a preventative medicine or not. Embrace does not exclude coverage for preventable internal or external parasites no matter when they happen to your pet.

Coverage for Exam Fees on Every Policy

Pets Best Pet Health Insurance does not include the exam fee in their reimbursement unless you select a policy that includes their “Office Visits/Examination Fees” coverage. Visiting an emergency hospital, or even going to a scheduled visit at your primary veterinary or a veterinary specialist, can include an expensive exam fee – sometimes well over $100. Not having coverage for these fees is like having to pay an extra deductible at every visit. Embrace believes that this fee should be covered in every policy.

Cruciate Waiting Period Can be Reduced

Pets Best Pet Health Insurance has a six-month waiting period for cruciate ligament injuries and any condition related to them without the option to have it reduced. While Embrace has a 6-month waiting period for orthopedic conditions (for dogs only), there is an Orthopedic Exam and Waiver Process to have it reduced to as little as 14 days.

No Extra Cost for Alternative Care

Pets Best Pet Health Insurance doesn’t cover alternative treatments like acupuncture or chiropractic care in every policy. If you want coverage for these treatments, you’d need to purchase the policy that includes their “Rehabilitation, Acupuncture, and Chiropractic Care” coverage at an additional cost. Embrace includes alternative therapy on every policy at no extra cost.

No Illness Exclusion for Certain Conditions

Pets Best Pet Health Insurance does not allow pets who have been diagnosed with or who have shown symptoms of Addison’s Disease, Cushing’s Disease, Diabetes, Cancer, Feline Leukemia, or Feline Immunodeficiency Virus to have illness coverage – they are eligible for an accident-only plan. Embrace does not exclude these pets from having illness coverage, we just would not be able to cover that pre-existing condition or any related conditions.

Simpler Medical Records Requirement

Pets Best Pet Health Insurance requires your pet’s full medical history to process claims – that could go back many years! Embrace only needs the last 12 months of records or, for new pets, records back to the first visit you’ve had with them.

Pets Best Pet Health Insurance also does not offer any review of your pet’s medical records when you enroll, leaving it to be done when you file your first claim. Embrace offers you an optional Medical History Review. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.

Information last updated April 2018. Pets Best is underwritten by Independence American Insurance Company and American Pet Insurance Company.