Actual bill-based claim reimbursement, excellent customer service, genetic and chronic condition coverage available.
Claim reimbursement process is a little longer, and rejection is possible if the company has the slightest doubt that the condition is pre-existing.
One of the best pet insurance providers available. Make this your home, unless you find a considerably cheaper premium elsewhere that offers similar coverage.
Embrace Pet Insurance Review - The best your pet can get?
Embrace Pet Insurance is one of the leading pet insurance providers in the United States. In a highly competitive pet insurance business, the company strives hard to maintain leadership in terms of coverage and insurance costs.
One of the most important things you should check while buying pet insurance is whether the insurer restricts you to a particular network of veterinarians or not. Embrace Pet Insurance imposes no such restrictions and you are free to use any vet of your choice.
Coverage for Genetic Conditions
Both purebred and mixed breed pets can potentially suffer from many genetic conditions, which can be costly to treat. Unlike many pet insurers who do not offer coverage for such conditions, Embrace Pet Insurance offers this protect under their full coverage plan. This is a key differentiator that separates Embrace from several other pet insurance providers.
Actual Bill-based Reimbursement
Embrace reimburses a percentage of your actual vet bill, which almost always means that you receive more money back. Compared to the benefit schedule method that several other pet insurance companies use, actual bill-based reimbursement is more straightforward, and there is no chance of receiving unexpectedly lesser amounts of reimbursement.
Lifelong Protection and Chronic Condition Coverage
Embrace Pet Insurance provides lifelong protection for your pet, so you can maintain a peace of mind once you have insured with them. Chronic conditions are also reimbursed, which is a major benefit if your pet suffers from any chronic illness. Some insurance providers may treat chronic conditions as pre-existing after the first year, but Embrace continues to provide coverage year after year.
Claims do not affect Premiums
Some pet insurers can raise your insurance premiums after a few major claims, or alter your coverage plan as your pet grows older. However, with Embrace you have the assurance that your premium will not be affected if you make a claim. The company also assures that your coverage plan will never be modified, unless you ask for it.
What Others are Saying
Most customers appear to very satisfied with the services and coverage offered by Embrace Pet Insurance. Customer service is rated very highly by customers on the company’s website and elsewhere. An overwhelming majority of independent customer reviews speak favorably about their experiences with the company. Alternative therapies, wellness and routine care are also covered under specific plans. Hereditary and genetic coverage is one of the unique offerings of Embrace that indicates their appreciation for their customers.
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