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They also praise the customer support department for promptly answering queries.īut it’s not all rainbows and roses.

Many customers are pleased with Embrace’s fast reimbursement time for claims. However, it only has a rating of 3.6 at Trust Pilot.Įmbrace Pet Insurance reviews left by clients are mostly positive. Consumer Affairs has also given it a 4.1-star rating. Its underwriter, American Modern Insurance Group has been given a financial stability rating of A+ from AM Best which suggests that the company will remain financially stable 18 months after an economic downturn. Customer Satisfaction and Financial Strength ReviewĮmbrace Pet Insurance BBB grade (Better Business Bureau) is A+. You may have to wait 6 months for certain orthopedic conditions but if you have submitted an orthopedic report card, the time is cut down to 14 days. Accident coverage starts a couple of days after the policy begins but you have to wait 14 days for illness coverage to begin. On average, Embrace will reimburse you in 10 to 15 days and send you your money through direct deposit or a paper check.Įmbrace’s waiting periods are shorter than those of other similar companies. Alternatively, you can also mail them at Embrace Pet Insurance, Claims Dept., P.O.

Send the Embrace Pet Insurance claim form and the vet’s invoice through the MyEmbrace account or the mobile app.

Add an invoice from your vet office which will verify you made the payments.

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Alternatively, you can also download it through the Embrace mobile app, from your enrollment email or call Embrace’s office to email it to you. Go to and download the claim form from MyEmbrace account.Here is what you should do to file for reimbursement: Embrace Pet Insurance ClaimĮmbrace’s claim process is fairly easy. Spay/ Neuter Discount: 5% discount, again available only in New York for pets who have been spayed or neutered.

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ĪCH Discount: This 5% discount is available only in New York when you pay via a bank transfer, instead of a credit or debit card.Īnnual Pay Discount: This 5% discount is available only in New York when you pay for the full term of the policy in advance.

This is mentioned frequently in Embrace Pet Insurance reviews. You also need to know that the unused amount is not reimbursed so you can end up losing money.Īdditionally, Embrace may also charge you hidden fees in the form of a one-time $25 enrollment fee and a $1 monthly installment fee if you don’t opt to pay for the entire year in advance. This plan rather serves as a budgeting tool that can help you spread the cost of preventive care over the year. In fact, you will only be able to save $25 before you hit your annual limit. If you also want this add-on, keep in mind that it comes at double or triple the price of your standard pet insurance for dogs and cats in exchange for few benefits. However, the wellness program offers much less budget-friendly options and can cost anywhere between $18.75 and $52.09. The coverage for a typical 1-year-old cat will be between $5.68 and $22.06, while for a 12-year-old cat it can cost anywhere from $14.71 to $57.15. If you want to look at an example, an average coverage plan for a 1-year-old dog can cost between $11.35 to $44.11 per month, while for a 12-year-old dog you will pay between $31.13 and $120.96. Typically basic coverage starts for just $6 per month for cats and $12 per month for dogs. The pricing of pet insurance plans depends on a number of factors including your cat/ dog’s age, size, breed, gender, geographical location, history of the disease, health conditions, and more. However, pets that were signed up before they turn 14 will not be dropped from the illness coverage once they reach that age.

Stem cell therapy that is not medically necessaryĪside from Embrace Pet Insurance pre-existing conditions and the treatments mentioned above, the company also limits coverage for pets over the age of 14 that are newly enrolled in accident-only coverage.

Cosmetic procedures like tail docking, declawing, or ear cropping.

Injuries caused by intentional harm, abuse, neglect, fighting, or racing.

Things not covered by Embrace Pet Insurance include:

Prescription diet food, nutritional supplements, and medicated shampoos.Preventive medication for flea, tick, and heartworm infestation.

Embrace dog insurance