Embrace

4.4/5 stars
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Embrace insurance offers simple, customizable insurance plans designed with the pet owner in mind. Embrace’s personalized policies allow customers to adjust annual maximum payouts, deductibles, and reimbursement percentages to fit any budget. Embrace fairly evaluates preexisting conditions and may cover these conditions after 12 months without signs, symptoms, or treatment. Comprehensive accident and illness coverage from Embrace includes breed specific conditions, cancer treatments, ligament injuries, bite wounds, intestinal issues and more.

In addition to traditional treatments, Embrace’s Wellness Rewards covers a portion of wellness exams, spay/neuter surgery, training, grooming, vaccines and preventative medicine. Embrace allows customers to bring their pet to any veterinarian, specialist, or emergency clinic and does not require the use of in network care providers. Embrace stands apart from its competitors with its unique diminishing deductible. They will reduce deductibles by $50 per year for every year in which the customer does not file a claim.

How It Works

To enroll your dog or cat in a comprehensive coverage package that fits your budge. Similar to other pet insurance companies, waiting periods apply before filing a first claim. Waiting periods for initial claims are 14 days for illness, 48 hours for accidents, and 14 day waiting period by submitting an orthopedic report card. Pets are required to have visited a licensed veterinarian within the past 12 months before coverage initiates. If the pet has not visited the vet in the past year, customers can take the pet in during the waiting period before coverage begins. Once a pet becomes ill or suffers an injury, customers can take their pet to any licensed vet to receive treatment and services.

Next, complete a claim form either through the online portal or via emai/App. Attach itemized invoices and submit all the necessary information for processing. Embrace makes it possible to receive timely reimbursements through direct deposit.

What Customers Are Saying

Embrace pet insurance is the recipient of industry awards, including an A+ rating from the Better Business Bureau. Embrace allows pet owners to get the best care available and does not require visits to predetermined vets. Having two dogs can get expensive, but Embrace helps to support the costs of care and cover medications. The employees are compassionate and really understand what it means to be a pet owner. They cover medical bills for pets in the most dire of circumstances and when pet owners need them the most.

Embrace has quick response times when it comes to claims and getting reimbursed is a breeze. They are always in communication while the claims are being processed and reach out immediately if any additional information is needed from the owner or vet office. Several customers specifically mention the Wellness Rewards as a valuable bonus which is not available with policies with from other providers. Preventative care reimbursement is not offered by many companies and Embrace allows you to choose alternative medicinal treatments and holistic approaches to care. Rare criticisms of Embrace include fluctuating monthly premiums, but complaints are few and far between and most customers feel that Embrace is an excellent insurance provider.

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