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Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
120 Customer Comments & Reviews - see all comments
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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.

How is Embrace rated?


Benefit Limits
Claims and Service

Overall Rating: 8.8 / 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.

Embrace Coverage

Coverage Specifics

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

Coverage - 10 / 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

Reimbursement & Maximum Benefit Limits

Reimbursement - 10 / 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.

Benefit Limits - 7 / 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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement
Benefit Limit Types
Annual Benefit Maximum

Claims, Service, & Deductibles

Claims and Service - 9 / 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. Furthermore, beginning recently, claim forms can now also uploaded through MyEmbrace, the company's online customer account.

Deductibles - 8 / 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.
Advertised Response Time
15 days
Claim Form
Online Portal
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Embrace cost?

Starting Monthly Premiums

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

Pricing - 9 / 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 - 8 / 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 48 hours, or two days. There is an additional six 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.

Company Profile

Full Name
Embrace Pet Insurance
Company Website
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122

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120 Customer Comments & Reviews

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David R
Tustin, California
Goldie, (my Silkie/whippet mix) had a great 2016; no claims at all. However the year before she managed to accumulate nearly $6000.00 in medical bills between self-inflicted poisoning (sago plant ingestion) and pancreas issues, again eating things she shouldn't. After the deductible was paid I only had $1600.00 total out of pocket expense. I'm on a serious budget and $6000.00 for a doggie Dr. bill... I may not have been able to save her. Because of Embrace I was able to save her from certain death! THANK YOU SO MUCH EMBRACE!

Marc R
Fairfield, California
The Embrace representatives we spoke with on the phone were extremely helpful and courteous. They also provided excellent information regarding processing the claim. Our claim was processed in a timely manner without any discrepancies. The reimbursement check was exactly the amount we expected to receive when we filed the claim. Thank you.

pamela r
Cupertino, California
This company is a sham. They take your money and then find every excuse not to pay your claims. I was told they would get back to me in 5 days. It took them 15 days. I appealed the denial and I was told I would hear in 15 days, it's been 30 days and I'm still waiting. Even after calling them again they never called back.

Jodi S
Oak Harbor, Washington
Embrance insurance is an excellent company. Signing up was very easy. There weren't any hidden or unexpected fees with the policy. All claims are handled efficiently and in a timely manner. Customer service people are friendly and informative. I would recommend Embrace to any pet owner.

Jodi S
Oak Harbor, Washington
Embrance insurance is an excellent company. Signing up was very easy. There weren't any hidden or unexpected fees with the policy. All claims are handled efficiently and in a timely manner. Customer service people are friendly and informative. I would recommend Embrace to any pet owner.

Marty E
Chicago, Illinois
My claim was handled quickly and professionally. The communication was excellent. Not everything was paid, but I expected that per the terms of the policy. I am very pleased with how my claim was handled.

Selena L
New York, New York
If you have had prior insurance and has incidents before joining embrace, beware. My pup has gone to his vet and an emergency ER for vomiting over the course of a year and a half, wit ASPCA as his coverage provider. ASPCA was covering a little but after some research I thought embrace would be a good fit, however, what embrace doesn't tell you is that if you had prior issues they count those as a temporary pre-existing condition and require the dog to be clear of any signs of it for a whole year. My dog 1st had skin abrasions on his feet in the past from rough pavement and when he had his recent issue of a foot cyst,they claimed that since he had a foot issue before that it was related.... Read More

Portland, Oregon
They seem to care and do things right. Only problem is: it takes them a long time. It has been 12 days since I submitted claim and no resolution or check yet.

Trish N
El Segundo, California
My beloved kitty, Madden, recently passed after a sudden onset of cancer. Though Madden graced my life for only a year and a half, he was my best friend. All of the Embrace staff who assisted me during this dufficult time were extremely helpful, courteous and professional. They were very gracious and processed my claims very quickly. I highly recommend Embrace Pet Insurance to anyone either considering pet adoption or who already has a best friend. My deepest gratitude to all the great people at Embrace Pet Insurance!

Karen B
North Providence, Rhode Island
You handle and process claims in a consistent and timely manner. I just wish you had direct pay to a vet that was quicker because I had a large claim and had to find the money up front. In a time of emotional distress direct pay would take away that burden.

Top Rated
Our Partner
8.8 / 10
  • Strong Illness & Accident Coverage - Use Any Vet
  • Optional wellness plan & Rx coverage covers spay/neuter
  • Benefits limited to $15k/yr
  • Customizable Annual Deductible from $200-$1000