Embrace Pet Insurance Review

Embrace Pet Insurance Agency LLC is a pet insurance provider based in Cleveland Ohio that sells policies for dogs and cats. They were founded in 2003 and are underwritten by American Modern Home Insurance Company. Embrace has an A+ rating with the BBB, consistently positive online reviews, and is known for broad coverage and fast payouts.

Rating: 8.5 / 10 (Excellent)
73 Customer Reviews - see all reviews
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How is Embrace rated?


Benefit Limits
Reimbursement Models
Claims and Service

Overall Rating: 8.5 / 10 (Excellent)

Embrace gets good marks from us mainly on the strength of customer satisfaction. Even though plans are a little on the pricier side, and unlimited coverage is not an option, customer feedback is among the most positive. Also, Embrace offers standard coverage of many conditions and treatments not offered at all by most plans. These include behavioral therapy and prosthetics.

Company Profile

Full Name
Embrace Pet Insurance
Year Founded
BBB Rating
American Modern Insurance Group
AM Best Financial Rating
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122

Embrace Pet Insurance Coverage

Coverage Specifics

Pets Covered
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

Coverage Rating - 10.0 / 10

Embrace sets itself apart from the pack in coverage because, in addition to providing for usual accidents and illnesses, the company also covers various items not traditionally offered under other companies' standard plans. These include prosthetic limbs, behavioral therapy, and alternative treatments. Embrace also offers prescription drug coverage, and a wellness plan at additional cost. As with all pet insurance plans, Embrace will not cover pre existing conditions if they were apparent before the policy purchase.

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits


Benefit Limit Types
Annual Benefit Maximum

Benefit Limits Rating - 7.0 / 10

Embrace's annual maximum is also customizable, although the highest limit is lower than some other companies, and they do not offer unlimited coverage. The lowest limit is $5000, while the highest is $15,000. This refers to the maximum they will pay for all incidents and procedures for the entire year. If your pet requires multiple, serious procedures, or cutting edge treatment, it's possible this can be a limiting factor.


Key Facts

Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Deductibles Rating - 8.0 / 10

Embrace offers deductible options that tend to be on the more flexible side as compared to other players. The company enables their customers to choose annual deductibles of $100, $200, $300, $500 and $1000. They also offer a program called Healthy Pet Deductible. Every year you do not make a claim your deductible will decrease by $50.


Key Facts

Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Reimbursement Models Rating - 10.0 / 10

Embrace's policies are among the most customizable when compared to other companies. This includes the reimbursement model as well. Embrace will cover anywhere from 65% to 90% of your actual vet bill. Choosing a lower reimbursement percentage will translate into lower premiums.

Claims & Service

Key Considerations

Advertised Response Time
15 days
Claim Form

Claims and Service Rating - 9.0 / 10

Embrace has some of the best feedback we've seen when it comes to customer service. The majority of online reviews mirror generally positive experiences. To make a claim you must fill out the claim form that was included with the enrollment email. You can also download the form on the website or have it mailed to you. Page 2 of the form must be filled out by your veterinarian. Include all relevant invoices and receipts and fax or email them all to the company. Embrace offers direct deposit to get you the reimbursement as quick as possible.

Pricing: How much does Embrace Pet Insurance cost?

Starting Monthly Premiums

Rate Details: Annual Deductible: $1,000 Benefits Cap: $5,000 Reimbursement Model: 70% of Actual Cost

Pricing Rating - 7.0 / 10

Embrace's policies are slightly higher priced when compared to other companies. But you can get a budget conscious plan by choosing the low annual limit and higher deductible.
Available Discounts: All spayed or neutered pets receive a 5% discount, If you have 2 or more pets on your policy then each pet will automatically receive a 5% multi-pet discount, If you choose to pay your policy in full each year then you will receive a 5% annual pay discount, Any pet parent (or their spouse/partner) who is actively serving in the Air Force, Army, Marines, Navy, or Coast Guard will receive a 5% discount, Any pet that has been PennHIP tested with a bilateral score of 0.3 or lower is eligible for an additional 5% discount


Enrollment Age & Waiting Periods

Min Enrollment Age
6 weeks
Max Enrollment Age
14 years
Accident Waiting Period
2 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Enrollment Rating - 8.0 / 10

Embrace's waiting periods are pretty much standard when compared to other companies. For accidents and illnesses the waiting period is 14 days. However, in some states the waiting period for accidents is only 24 hours. There is an additional 6 month waiting period for dogs for orthopedic conditions. Embrace will not allow pets older than 14 to enroll in illness coverage, which some other plans do.
Start your review for Embrace Pet Insurance

Latest Reviews

Based on customer reviews
73 Reviews
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Marisella W
Toledo, Ohio
I love not having to worry about the bill if something happens to my fur baby. I know embrace has my back!

Bruce G
Friday Harbor, Washington
What an incredible service. Our Golden Retriever required complex emergency care. Unfortunately, he did not survive. We submitted claims for the very expensive medical care. Within 2 days Embrace sent us a response, covering over $4000 of our claim. Embrace is an incredible bargain, compared to the cost we would have incurred without this insurance.

Holly T
I am very pleased with my experience with Embrace Pet insurance. The staff members are very helpful and pleasant on the phone. I appreciate that they communicate every step of the way via email. I especially appreciate the email outlining my cat's pre-existing conditions for me so that I will know what to expect and not be surprised with future claims. Thank you Embrace!

Scott M
Gulf Breeze, Florida
This company has never lived up to expectations. Every chance they have to walk away from a claim, they walk. And when they do pay a claim, it's not very timely. I just received a claims check from a procedure that was done in October of last year. There has to be a better insurance company to protect our pets.

Catherine C
Port Orange, Florida
I am so pleased with the human and humane response I have had with Embrace. I often toll people on my walk about the complex where I live. Embrace the best !!!!

Seattle, Washington
On to our third surgery with our fur baby and Embrace is always so easily accessible and great to work with. Called customer service recently on more information about our upcoming survey and they were so nice and empathetic. I've had very genuine experiences every time. Thank you guys!

Nona S
Oceanside, California
I have been with Embrace for over seven years and could not be more pleased. The compassion, dedication, and efficiency of the staff is unparalleled. Regrettably, multiple surgeries have depleted my annual allotment for this year, but I look forward to resuming our relationship next year. Human insurance companies could learn a lot from Embrace and the world would be a much happier place.

Alexandria, Virginia
My dog has been insured with an Embrace accident and Illness policy for several years. The first benefit afforded to us was a deductible reduction of $150 when she had been claim free for 3 years. When my dog turned 9,she suddenly started to have one issue after another ,and Embrace was there with 80% coverage after our deductible was met. My dog has had chronic urinary infections, chronic disc disease even after surgery and dry eyes among other things.We also got coverage for acupuncture and physical therapy, Service is prompt and courteous and customer service people are easy to reach by phone or email. Coverage is not limited by illness diagnosis but by total claims and ,at... Read More

Grace Y
Philadelphia, Pennsylvania
So far, so good! Embrace has honored claims and been a great company to work with. I'm very happy we signed up for their service!!

Robert C
Linthicum Heights, Maryland
Best decision for my dog and I to purchase embrace pet insurance. i know going forward that every decision for my pet will be based on her needs not on my finances. The benefit of knowing Embrace is there is invaluable and if you love your dog like I love mine pet insurance is a must have expense for peace of mind. Make sure you follow all recommendations by Embrace to ensure you know what is covered or not. This is an honest company and their personnel are top notch.

Start your review for Embrace Pet Insurance