It offers policyholders multiple options for customizing their premiums, and in addition to its plans covering accidents and illnesses, has an add-on for wellness care.Ĭoverage and costs: Embrace has accident-and-illness plans and policies that cover accidents only. 2 in our rating of the best pet insurance companies. Summary: Embrace, which sells pet insurance policies for dogs and cats in all 50 states, is tied at No. The accident-only plan has set terms: A $250 deductible, a 90% reimbursement rate, and a $10,000 annual limit. Pets Best offers a discount for insuring multiple pets and has a military discount as well.Ĭustomizations: The accident-and-illness plans offer a number of deductible options, reimbursement rates from 70% to 90%, and annual coverage limits from $2,500 to unlimited. Its sample monthly rate for a cat is $11.76. We found a sample rate of $26.51 per month, on average, to cover a dog with a Pets Best policy. Its accident-only plan covers bites, lacerations, fractures, and other conditions resulting from accidental injury.

Hospitalizations and surgeries, as well as some tests and scans, are covered as well. Its accident-and-illness plans cover injuries related to accidents, illnesses such as cancer, hereditary conditions, and congenital conditions. All plans provide access to the insurer’s 24/7 Pet Helpline, which can provide answers to pet-related questions day or night.Ĭoverage and costs: Pets Best sells policies covering accidents and illnesses, and also has a plan that covers accidents only. It’s available in all 50 states and has shorter waiting periods than some insurers we studied: three days for accidents and 14 days for illnesses. The insurer offers a range of choices for customizing a policy and has multiple plans that offer unlimited coverage.

1 in our rating of the Best Pet Insurance Companies.

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