Orlando Harmon
Embrace Pet Insurance offers policies for cats and dogs across the United States. It has been rated highly for its comprehensive and customisable plans, ease of filing claims, and quick reimbursements. However, there are also several negative reviews citing issues with claim denials, unexpected premium increases, and pre-existing conditions. So, is Embrace Pet Insurance worth it? Let's explore the pros and cons in more detail to help you decide.
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What You'll Learn
Embrace's coverage of pre-existing conditions
Embrace Pet Insurance offers coverage for curable pre-existing conditions after a 12-month period of being symptom-free and treatment-free. This is a unique feature of Embrace, as most pet insurance companies do not cover pre-existing conditions at all. Curable pre-existing conditions at Embrace include things like ear infections and undiagnosed vomiting or diarrhea. Incurable pre-existing conditions, such as diabetes and allergies, are not covered.
If you are unsure about whether a condition is pre-existing, Embrace allows you to request a medical history review. This typically happens at the time of the first claim, but you can ask for it to be done earlier. If you are unhappy with the findings, you can cancel your policy and receive a pro-rated refund of the unused premium.
It is important to note that if you increase your coverage, Embrace will rewrite your policy, and any previous issues will become pre-existing conditions that are no longer covered.
Embrace offers customizable accident-and-illness coverage, with options to choose your deductible, reimbursement rate, and annual coverage limit. They also offer a Wellness Rewards plan, which can save you money on care each year, as well as a multi-pet discount of 10%.
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The ease of filing claims
Filing a claim with Embrace Pet Insurance is a straightforward process. You can submit a claim online through the company's website or the Embrace Pet Insurance app, or by email, fax, or physical mail.
The first step is to log in to your account on the Embrace website. If you're filing a claim for the first time, you'll need to register and create an account. Once you're logged in, you'll be prompted to input your vet's information, upload your invoice (including all pages, even those that don't have itemized expenses), and select the diagnosis or reason for your pet's visit.
It's important to note that supporting documents shouldn't be submitted with your claim. Instead, they should be uploaded in the "Submit Documents" section of your account. Once Embrace receives your claim, you'll receive an email confirmation, and the status of your claim will be updated in your account.
The entire process is designed to be user-friendly and efficient. Some customers have praised Embrace for the ease of submitting claims, with one reviewer mentioning that reimbursement was received within hours or a day. Another customer highlighted how Embrace assigned an individual to help process their claims and paperwork during their dog's radiation therapy, ensuring smooth handling of frequent and complicated invoices.
If you disagree with Embrace's claim decision, you have the option to file an appeal within 14 days by email, fax, or mail. Your veterinarian must explain their disagreement with the decision and can submit additional information, such as medical records or lab results. The appeal process can take up to 20 business days for consideration.
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Wellness Rewards plan and its benefits
Embrace Pet Insurance offers plans for dogs and cats in all 50 states, as well as Washington, D.C., and for up to six months of international travel. The company provides customizable accident-and-illness coverage, allowing customers to choose their deductible, reimbursement rate, and annual coverage limit.
The Wellness Rewards plan is one of Embrace's three-tiered routine care plans. The plan is designed to save customers about $25 on care per year, provided they use their entire reimbursement allowance. For example, a plan with a $300 annual allowance costs $22.92 a month in premiums, or approximately $275 for the year. However, if the full allowance is not used, customers may end up paying more for the coverage than they would otherwise.
The Wellness Rewards plan covers items such as wearable pet activity monitors and toothbrushes, as well as training services and nutritional consultations. The plan is available to all customers except those in Rhode Island, and coverage options and availability may vary depending on the customer's location, as well as the age and breed of their pet.
Embrace Pet Insurance also offers a multi-pet discount of 10% on the policy premium, which is applied automatically once the second pet is enrolled. Additionally, active or former members of the U.S. military qualify for a 5% discount, although this is not available in New York and Tennessee.
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Pros and cons of Embrace pet insurance
Embrace pet insurance offers highly customizable plans that cover a wide variety of conditions and treatments, including accidents, illnesses including breed-specific and genetic conditions, cancer, dental illnesses, complementary treatments, rehabilitation, diagnostic testing, hospitalization, surgeries, and specialist care. The company provides coverage for dogs and cats in all 50 states, as well as Washington, D.C., and internationally for up to six months of travel. Embrace's website and mobile app are user-friendly, offering quick online quotes, easy claim filing, and convenient policy management.
Pros of Embrace Pet Insurance:
- Customizable plans: You can choose your deductible, reimbursement rate, and annual coverage limit to fit your pet's needs and budget.
- Comprehensive coverage: Embrace covers accidents, illnesses including breed-specific and genetic conditions, cancer, dental illnesses, complementary treatments, rehabilitation, diagnostic testing, hospitalization, surgeries, and specialist care.
- Multi-pet discount: Embrace allows multiple pets on one policy, offering a 10% discount on the policy premium for each additional pet.
- Unlimited annual coverage option: Embrace offers an unlimited annual coverage limit option, providing peace of mind for pet owners.
- Quick online quotes: The Embrace website provides easy access to quotes and comprehensive coverage information.
- User-friendly claim filing: Claims can be filed online, through the mobile app, or by email, fax, or physical mail.
- Coverage for curable pre-existing conditions: Embrace covers curable pre-existing conditions that haven't recurred in at least a year.
- Orthopedic waiting period reduction: The waiting period for orthopedic conditions can be reduced with a veterinary exam.
Cons of Embrace Pet Insurance:
- Pre-existing conditions: Embrace does not cover pre-existing conditions other than curable ones that haven't recurred recently.
- Exclusions: The policy does not cover expenses associated with breeding or pregnancy, illnesses or injuries due to fighting/racing/mistreatment, cosmetic procedures, DNA testing, cloning, or wellness care (unless added).
- Waiting periods: Embrace has waiting periods of two days for accidents, 14 days for illnesses, and up to six months for orthopedic conditions (which can be reduced with an exam).
- Premium increases: Embrace, like many pet insurance companies, may raise your premium with each yearly renewal due to the increased likelihood of health issues and inflationary pressures on vet care.
- Coverage limitations for senior pets: Embrace may not be the best option for accident-and-illness coverage for senior pets.
- Claim denials: Some customers have reported issues with claim denials, citing pre-existing conditions or other reasons.
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Customer reviews of Embrace
Positive reviews highlight Embrace's efficient claims processing, helpful customer service, and comprehensive coverage. One customer on Trustpilot mentions that Embrace has been helpful with their pet's visits and emergencies, and that the reimbursement is fair and quick. Another customer on Reddit shares a similar sentiment, stating that all their claims have been processed efficiently, and they even received individual assistance during their dog's radiation therapy. They also mention that despite some scuffles with hospice care, everything was covered as it should be.
On the other hand, negative reviews of Embrace are predominantly centred around issues with pre-existing conditions, inflexible payment plans, and denied claims. Several customers have accused Embrace of unfairly classifying common issues, such as vomiting and bloody stool, as pre-existing conditions to avoid covering expenses. Some have also expressed frustration with Embrace's policy of rewriting the policy and considering all previous issues as pre-existing conditions if customers increase their coverage. This has led to a perception of Embrace being a scammy and unethical insurance company.
In terms of payment plans, Embrace has been criticised for its lack of flexibility. Customers have reported difficulties in changing due dates and managing payments when facing financial constraints. Additionally, some customers have shared their experiences of denied claims, with one customer stating that Embrace took a long time to review their dog's medical history, only to eventually refuse their claim.
Overall, while some customers have found Embrace's services beneficial, others have encountered significant challenges and expressed disappointment with the company's handling of their pet insurance needs.
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Frequently asked questions
Embrace Pet Insurance is rated \"Great\" with 4.1/5 on Trustpilot, with 8,737 people leaving reviews. Embrace covers dogs and cats in all 50 states and offers customizable accident-and-illness coverage. However, some customers have complained about unexpected premium increases and issues with claims being denied.
Embrace covers treatment and services that are crucial to the health and well-being of your pet, including accidents, illnesses, and cancer treatments. It does not cover cosmetic services, breeding, DNA testing, or pre-existing conditions.
You can file a claim with Embrace through their website, the Embrace Pet Insurance app, email, fax, or physical mail. Once you've submitted your claim, you'll receive an email confirmation, and you can track the status of your claim through your account.
The cost of Embrace Pet Insurance depends on factors such as the pet's age, the tenure of the policy, and inflation. Dog insurance costs average around $30 to $40 per month, while cat insurance averages around $15 to $20 per month.
Embrace offers a 5% discount for active or former members of the U.S. military and a 10% multi-pet discount if you have multiple pets on one policy.
