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You will pay more with Embrace for far less coverage!
I am a veterinarian, so I have experience with most of the pet insurance companies out there. I got insurance on my own dogs when they were young, & thankfully have not had to use it much. My dogs (like most dogs) have had episodes of vomiting &/or diarrhea, & because of that have had diagnostic work-ups to ensure it wasn't something more serious. Therefore, claims were submitted for “vomiting” or “diarrhea.” Now that they are middle aged, & I am not a poor vet student, I wanted a pet insurance with unlimited coverage, versus the annual cap of $15,000 I had per year when I originally signed up for my plan. At this time, Embrace did not even offer “unlimited” coverage, or I would have chosen it. Not to mention - my insurance with Embrace had gone up SUBSTANTIALLY over the past year (not once, but twice)…& is more than double what some of the other, better insurance plans out there cost. When I signed up for Embrace, they DID NOT have or offer an unlimited plan. However, they now DO offer an unlimited plan. I tried to switch from the annual capped plan, to the unlimited plan, & the difference would only be $10 more a month. But when I went to do that, I was not able to without canceling my current plan, & starting a new one. Which would require a two week waiting period - which is understandable, & I was okay with. But what I was NOT okay with was that ANY of the previously submitted claims, for vomiting or diarrhea, would be counted as “pre-existing” problems, & would NOT be covered. I assured the manager that I spoke with that vomiting & diarrhea are symptoms of almost every ailment out there - & was told that ailments with symptoms of, or presentations for vomiting & diarrhea in the future, would now be “pre-existing” & not covered under the new plan. Vomiting is a sign of almost everything - any disease where a pet vomits - likely won’t be covered… So for $10 less a month, I have an annual cap of $15,000. If you’re reading this & looking for pet insurance, I suggest you go with a company that offers unlimited coverage at a reasonable price, as >$15,000 is now a very realistic cost if your pet needs intensive care or surgery. Currently, I feel stuck with an overpriced company with a terrible annual cap. I have signed up with another company, with a better reputation for $200 less a month for unlimited coverage - once I see what they will cover & count as pre-existing, I will be canceling Embrace. Do yourself a favor, & don’t sign up with them in the first place.
Insurer: Embrace
By: SEJ
All of my questions have been answered…
All of my questions have been answered with friendly people
Insurer: Pumpkin
By: Annette
Best ever
Best ever - honest and got my claim back right away
Insurer: Pumpkin
By: customer
Easy to submit and understand
Easy to submit and understand! Also creates a super clear PDF of what was approved and why!
Insurer: Fetch
By: Jess
Great Overall Insurance
Great customer service. Quick and easy claim filing. And speedy reimbursement. We are very happy with Pumpkin Pet Insurance.
Insurer: Pumpkin
By: Carol
No hassle, just peace of mind!
I’ve never had any trouble with embrace. They give me the peace of mind I need to take the best possible care of my cats!
Insurer: Embrace
By: Kendal Donovan
I think deductibles are too large.
I think deductibles are too large.
Insurer: Fetch
By: Kathy
I was very happy with Embrace
I was very happy with Embrace. I felt my claims were handled in a timely manner. I like the fact that I was sent emails and messages so I knew where I stood along the way. it was very easy to file a claim.
Insurer: Embrace
By: Donna Bell
Great experience always quick to pay out claims
Always quick to pay out claims. Easy to use customer portal. Great coverage for cost
Insurer: Spot Canada
By: Jennifer VG
Recommended Pet Insurance
Partnered with USAA, has been our reliable choice for pet insurance and wellness. Highly recommend Embrace Pet Insurance for ease of use, friendly customer service, and reliability for care of our GSD.
Insurer: Embrace
By: Averill Nisley