Pet insurance, in plain numbers
Whether a policy is worth it depends on what the bills actually are. I start from the procedure costs on this site and work forward from there, rather than from an insurer's brochure.
What a policy changes on the bills I track
Both figures are read from the cost guide that publishes them, with no arithmetic of ours on top. Each guide's insured figure is the conservative case, one isolated bill on an Embrace policy paying back 90 percent above a $500 deductible nothing else has touched.
| Procedure | Typical bill | You pay, insured |
|---|---|---|
| ACL (CCL) surgery per knee | $4,400 | $890 |
| MRI per scan | $3,700 | $820 |
| Luxating patella surgery per knee | $2,500 | $700 |
| CT scan per scan | $1,700 | $620 |
| Tooth extraction per visit | $900 | $900, nothing back |
Assumes the policy was in force before the condition appeared and that the procedure is covered. Waiting periods and exclusions are covered guide by guide.
Guides in this section
See the two figures side by side
Pick a procedure and see what it costs in the prices collected here, beside what an Embrace policy returns on that bill. Both figures are read from the guide that collected them, with no adjustment of ours on top.