Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
172 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 - 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.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

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 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.
Benefit Limit Types
Annual Benefit Maximum

Reimbursement & Deductibles

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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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 receive reimbursement from a claim, your deductible will decrease by $50.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Embrace 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.

Starting Monthly Premiums

Rate Details: Annual Deductible: $1,000 Benefits Cap: $5,000 Reimbursement Model: 70% of Actual Cost
Available Discounts: Discounts vary by state. Discount options include, but are not limited to, a multiple pet discount of 5-10%, military discount of 5%, spay/neuter discount of 5%, annual payment discount of 5%, paying via bank account discount of 5%, and PenHIP discount of 5% (if score is 0.3 or lower).

Enrollment & Waiting Periods

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, but there is an option to have this reduced to as little as 14 days. Embrace will not allow pets older than 14 to enroll in illness coverage, which some other plans do.
Min Enrollment Age
6 weeks
Max Enrollment Age
14 years
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

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. The form must be filled out by a veterinary staff member. 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.
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122
Year Founded

What We’re Hearing From Our Readers
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Customer Comments

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susa a
Miami, Florida

disgusted was a client forb3years and i missed one payment and they cacelled my coverage when i called tonreinstate they cancelled my wellness they are thieves dont trust them
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Los Angeles, California

It was only 4 months ago that we had purchased the policy and our dog was diagnosed with a toe bone rupture which had to be treated immediately by doing a surgery. Embrace reimbursed complete 80% of the amount which included surgery and all bandage change visits. Thank you Embrace !!
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Newark, New Jersey

I became a dog owner last May and bought insurance from Embrace immediately. Much to my surprise, just two weeks ago, my small dog was viciously attacked by two large dogs. She underwent emergency surgery for three puncture wounds: one to her leg and two in her abdomen. Luckily, no internal organs were damaged. After two nights in the hospital, she came home. I sent the claim forms into Embrace within the first two days of her being home and the claim was immediately reviewed and accepted. Within a week and a half, I received a check from Embrace. The company’s service could not have been better or more efficient. I am grateful I had Embrace insurance to cover the majority of the... Read More
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Miami, Florida

I have had Embrace pet insurance for over 10 years on my 3 pets. I’ve been fortunate I haven’t had to use it till last year. Our sweet Lilly had a sarcoma that would respond very well with radiation treatment. Because I had insurance there wasn’t a question of if but when can we start treatment. Lilly underwent radiation teatment 5 days a week for 3?weeks. She did very very well. A year later she is happy abd healthy. I tell clients all the time ... get pet insurance (Embrace) even if your pet doesn’t need it right away there will come a time when you and your pet will be thankful you have Embrace. The service is excellent! Caring, professional and quick to respond to questions... Read More
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Daisy H
Dallas, Texas

When it came time to file a claim for my dogs, Embrace was great! The claims process kept us informed, was seamless and quick.
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Scott L
Newark, New Jersey

Puppy had spay surgery had a hernia after. Check was in the mail within 8 dayd
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Sheri R
Newark, New Jersey

My promise to my two adopted pugs was to get pet insurance for them. I didn't have it for my previous pug and I regret it to this day. Once my Piper and Phoebe became mine I signed up for Embrace Pet Insurance and have not regretted it once. Having pet insurance gives you the peace of mind to have your pet treated even in emergencies. Embrace Pet Insurance will always be in my budget. I know Piper will be well taken care of over the years to come. Get a quote today. It may seem high, but you can be assured it is worth the money...especially after its first use.
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Jeff L
Cleveland, Ohio

I was very nervous when I called. ( I had never before filed an insurance claim of any kind). By the end of that call I was laughing and joking with Dan. I went from defeated and fearful of what lay ahead for my dog to joyful that Embrace had proved such a good choice for us.
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Jerry J
Joplin, Missouri

Embrace has always been courteous and professional. When I am ready for a new pet, I will certainly use them again.
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Jen B
Washington, District of Columbia

I really appreciate Embrace. They are friendly and not at all bureaucratic; when I've had a problem or needed help they were efficient and usually effective. Their communications are clear and the website is easy to use. One of my dogs had significant health issues throughout her life and Embrace helped me be able to treat her and give her the best quality of life she could have.
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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