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Embrace Pet Insurance
23625 Commerce Park, Suite 150
Beachwoood, OH 44122
phone: 800-511-9172
website: http://www.embracepetinsurance.com
claim form
An Ohio-based company offering customizable pet insurance in every state with flexible pricing options.
Embrace added a wellness program in 2009 that has no deductible, copay, nor waiting period.
For every policy sold, Embrace donates $2 to a pet-related charity.
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60 days |
1 year |
Lifetime |
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9.1 |
9.2 |
9.2 |
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100 |
576 |
1479 |
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Most Helpful Reviews of Embrace
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10/10 More coverage than anyone else out there!, 12/23/2010
Reviewed By: Rachelle Dodson, Recommend: Y
This is my first go round with pet insurance, and I got into it a little late in the game (after my dog was already having some health issues). Embrace was the ONLY pet insurance company I could find that would even consider covering a pre-existing condition if it was considered curable. I find that when I submit claims, they are processed within about 2 weeks, and I find that instead of finding reasons not to cover my claims, they try to find ways to maximize my claims! I'll give a quick, great example: They give a 5% discount on premiums if your pet is microchipped. So, after I got the coverage, I had my dog microchipped. Not only was the claim for the procedure covered under my wellness rewards in the policy, but when I submitted the claim, I was automatically refunded the 5% of my premium for having the dog microchipped! I didn't have to ask for it! The customer service is excellent - they are thorough, quick and kind in their email correspondence, and very responsive and proactive in helping me get the most out of my benefits. I would recommed Embrace to anyone who wants comprehensive health coverage for their pets. I did a LOT of research before I bought, and Embrace seems to be the best out there!
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8/10 Good reimbursements, 9/30/2010
Reviewed By: Patty Hook, Recommend: Y
I am in the health insurance business - but on the people side. When choosing a pet insurance, I did NOT want a scheduled plan such as VPI has. This type of plan pays a VERY small amount on what is typically a MUCH higher claim amount. The type of plan you want is the type of plan that Embrace offers - deductible and coinsurance based on the BILLED amount. My bluetick coonhound Georgie who is only 3 years old, was just diagnosed with a rare immune disorder (less then 2% of all dogs have it). I took her to Medvet which is a specialty hospital and the bill to diagnose her was almost $1300 with a follow-up visit of another $266. This didn't include the almost $500 I had already spent at my regular vet's office a couple of weeks before. I chose a $500 deductible plan with Embrace with reimbursement at 90% with the highest yearly maximum that they have ($10,000). I was reimbursed exactly as I should have been by Embrace. I did have to pay the deductible twice because my plan year runs 8/26 to 8/26 and my visit to Medvet occurred on guess what date - 8/26!! So be aware that you deductible is NOT a calendar year deductible (January to December) but a plan year deductible (when you actually take out the plan which in my case was 8/26 to 8/25 of the following year). The first claim did take about 4 weeks to process but the follow up claim was only a couple of weeks. Overall, I am very happy with the reimbursement. One thing to watch for though is continuing care
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9/10 Great customer service, 6/11/2010
Reviewed By: Daniel, Recommend: Y
This is my first experience with Pet Insurance, and so far, I'm very pleased. They don't have the integrated website features that other companies have, but this is more than made up for with the very responsive customer service. Claims are processed fairly and in a very timely manner. I recommend Embrace to anyone looking for a pet insurance company. Unfortunately Embrace isn't licensed by the state of California, and I had to sign a waiver acknowledging this. But I feel comfortable that Embrace is a solid company, and not very concerned about that. The Wellness plan is a good idea if you plan on spending over $200 a year (including any medications). You end up saving $50 there automatically, plus you can get up to 20% off your plan with a) a 5% promotion code, b) paying premium in full (5%), c) your pet is neutered or fixed (5%), d) your pet is microchipped (5%). It's also an Ohio-based company, and people in the midwest are usually very courteous and pleasant to deal with.
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Most Recent Reviews
10/10 Embrace should be Embraced by all.,
All I can say is you guys/gals rock,this is a wonderful insurance company for PETS.Please keep uo the good… read more
Added 5/6/2012 by: Tony Okolski
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9/10 Very Responsive,
I was very fortunate in having taken out insurance on my pets, including my Maine Coon cat Delilah only a… read more
Added 5/5/2012 by: Jeff Granger
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10/10 Fast, easy and smooth,
This is a wellness exam. Bascially all charges were handles, as I was told they would be. The process is… read more
Added 5/4/2012 by: Michelle Seaman
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10/10 Best pet insurance!,
This is the second review that I am writing for Embrace. It has been a very stressful 2 months for both my… read more
Added 5/4/2012 by: Barbara
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10/10 Fast response , great service!!,
I just want to thank you for all your help and service.
About 70% of our bill was covered and my dog Rascal… read more
Added 5/4/2012 by: Yumi luke
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10/10 Embrace does it right!,
We have had the sad experience of having had to utilize our pet insurance a lot, and Embrace has always been… read more
Added 5/3/2012 by: Skip Morris
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9/10 Great company all around,
I had Embrace for my dog for over 4 years. He suffered from epilepsy and it was a long tough battle to try to… read more
Added 5/3/2012 by: Bill (North Haven, CT)
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