Embrace Pet Insurance is a top-rated provider in the pet insurance industry, offering comprehensive coverage, multiple discount options, and a long-standing reputation for excellent customer service. In our review, we rated Embrace 4.6 out of 5 stars, making it our top choice for savings due to its stackable discounts that can save pet owners up to 25% on their monthly premiums.
One of the standout features of Embrace is its responsive customer service and user-friendly website and mobile app, which make getting a quote, signing up, and submitting claims quick and easy. Unlike some other providers that rely on artificial intelligence for claims processing, Embrace employs veterinary professionals to review and adjust claims, ensuring a more personalized and accurate assessment.
However, there are some downsides to consider with Embrace. The company’s monthly pricing is slightly higher than average in many states, and some customers have reported annual rate hikes and denied claims. Additionally, the policy documents may not be easily understood by the average person, leading to confusion for some policyholders.
Embrace offers an accident and illness policy that covers a wide range of veterinary expenses related to accidents, injuries, chronic diseases, genetic conditions, and acute illnesses. The company also provides an accident-only coverage option for pet-related accidents. Additionally, Embrace’s wellness rewards program offers set benefits for preventive and routine care services, allowing pet owners to customize their coverage to suit their needs.
When it comes to pricing, Embrace’s average monthly cost for dogs is $64 and for cats is $33. While not the most low-cost option, Embrace offers multiple discount options to help offset the premium costs. Pet owners can also customize their coverage levels by choosing from different deductibles, reimbursement rates, and annual limits to find a plan that fits their budget and coverage needs.
In terms of the claims filing process, Embrace makes it easy for customers to submit claims through their website or mobile app. Claims are typically processed within 10 to 15 business days, with reimbursements reaching the customer’s bank account via direct deposit shortly after. While many customers praise Embrace’s quick claims processing times, some have reported delays and denials, emphasizing the importance of understanding your policy and providing all necessary information for a smooth claims experience.
Overall, Embrace Pet Insurance is a reputable provider with a solid track record in the industry. With its comprehensive coverage options, responsive customer service, and multiple discount opportunities, Embrace is a top choice for pet owners seeking quality coverage for their furry companions.