Embrace is the 3rd highest rated pet insurance company
One downfall that Embrace is facing is the way that they pay out claims.
While they state that all claims are paid within 5 to 15 days, it has been reported that you have to go through a bit of a hassle in order to actually get them paid, and Embrace likes to back on and not pay parts of the claim that they originally said they would in your policy.
They also fall behind in terms of the technology they use to allow customers to submit claims when compared to the top players in the industry.
With all this said, Embrace offers a wellness plan that their major competitors fail to do, so if you are looking to be reimbursed for your pet’s annual visits to the vet, Embrace may be a solid choice.
Embraces coverage does become a bit more limited when it comes to older pets, though, so you should keep that in mind if your pet is higher in age.
- A+ Underwriters: Embrace Pet Insurance uses top rated insurance underwriters from the American Modern Insurance Group for all states, including Washington D.C., and American Southern Home Insurance for policyholders in Florida.
- Comprehensive Wellness Plan: Embrace covers everything from exam fees and testing, to general, specialist, and emergency care, along with genetic and chronic conditions. You can also be covered for physical therapy, surgeries, cancer treatments, and even euthanasia, cremation, and burial.
- Deductible Free Wellness Plan: Where Embrace sets themselves apart is in their wellness coverage. Most insurers will take the coverage out of your deductible, and require you to pay out of pocket until the deductible limit is reached. With Embrace, your wellness visits are covered in the policy, requiring no out of pocket expenses.
- Specialized Customer Care: Embrace has gone to exceptional lengths to ensure their customer service is
top-notchin the industry.
To Wrap It All Up...
Embrace Pet Insurance is a great company, but there is still a little left to be desired in terms of their coverage, rates, and how they handle paying out claims.
Huge perks offered by Embrace are the fact that they do not implement any lifetime coverage limits or per-incident limits, so if your pet requires continuous visits to the vet, you will be taken care of.
Embrace also offers wellness coverage that is practically unmatched by other pet insurance companies, and genetic condition coverage that most other insurers will deny claims on.
However, paying out claims is where Embrace drops the ball. Even after stating that most claims are paid within 5 to 15 days, they have earned a reputation for backing out on the claim, and not paying for portions of it that were supposed to be covered by your policy.
The technology used by Embrace to allow customers to submit claims also falls a bit short, when compared to other insurers on our list.
Embrace’s coverage does become a bit more limited when it comes to older pets, though, so you should keep that in mind if your pet is higher in age.
Even saying all of this, they are still the #3 spot on our list for a reason. They remain competitive in an ultra-competitive industry and have developed a good customer service reputation, along with a solid standing through the Better business Bureau.