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: 8.8 / 10 (Excellent)
84 Customer Reviews - see all reviews
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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.

Company Profile

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

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

Benefit Limits


Benefit Limit Types
Annual Benefit Maximum

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.


Key Facts

Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

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.


Key Facts

Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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.

Claims & Service

Key Considerations

Advertised Response Time
15 days
Claim Form

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.

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 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.
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Latest Reviews

Based on customer reviews
84 Reviews
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Gayle M
Cornwall-on-Hudson, New York
I thought many times about letting the insurance lapse and not renewing it but the older my pet gets the more he needs his insurance. Recently he was favoring his hind quarters and sometimes falling over to the side. I brought him to his vet and he was given Rimadyl to ease his joint pain. When he went back for his recheck the vet tested him for Lymes disease and to my surprise he tested positive. His medication cost 179.00 at Rite Aid and I submitted a claim for his Lymes and the medication. It makes it so much less painful when I know I am getting money back from our visit. I am grateful for Embrace at times like these.

Robyn M
Katonah, New York
Excellent customer care. Thank god i have insurance! It was very reasonably priced. My kitten has a pre-existing condion, but my animal hospital told me to just submit every bill and history and see what they choose to cover. It has actually been in my favor every time!! I get a lot back from them for everything my kitten needs! The only thing I wish Embrace was better at was sending my animal hospital the checks instead of myself. My animal hospital is great, by that they use the check first and then bill me. I have signed their waiver and sent it multiple times to Embrace to pay my animal hospital instead of myself for my coverage, but they still dont follow directions! Hope they get... Read More

Francie S
Oceanside, California
My dog tore her cruciate ligament and needed TPLO surgery. In addition, the x-rays showed she had a luxating patella that needed surgical intervention as well. Had I not been able to count on Embrace to quickly reimburse the majority of surgery costs, I'd have found myself in a very bad position financially (especially because I lost my job a couple weeks later). I have been telling every pet owner I know that insurance is a necessity, not a luxury and that based on my experience with Embrace, that they should consider them before looking into other options. The coverage through Embrace allowed me to give my beloved girl a pain free life without having to make major sacrifices in order to... Read More

Barbara H
We have 3 cavalier King Charles spaniels covered by Embrace Pet Insurance. We have been so pleased by the coverage they offer. They are easy to communicate with and with their pet portal it's always easy to keep up with. No problems filing claims and quick responses. We recommend it to all our pet friends.

Rahway, New Jersey
I decided to get pet insurance for my golden after the loss of my german shepherd to cancer. He was already 7 so I was worried, but Embrace gave me a great price and you cannot beat the customer service. To make their service even more exemplary, when my golden passed away in May 2017 to leukemia, the kind staff sent me a condolence card and lit a memorial candle in his honor. This company goes above and beyond just pet insurance. I will 100% be coming back to Embrace when we are ready to add a new pup to our family again.

Kim C
When searching for pet insurance for my three large breed dogs, I looked at probably a dozen providers. I chose Embrace because their premiums were reasonable, customer reviews were overall very positive, payment options were simple, and their website straightforward and easy to navigate. The factor that was most responsible for my decision, however, was the fact that Embrace did not automatically exclude coverage for orthopedic care for large breed dogs. Read the fine print on most other providers -- nearly all of them do not cover orthopedic care for certain breeds of dog. Their policy language was also very clear on what might be considered a pre-existing condition. On May 11,... Read More

Cindy C
Los Angeles, California
I have happily had an insurance policy with Embrace for over 10 years for my maltipoo dog. The policy really gives me piece of mind in that I know I will have coverage for unexpected problems. They handle claims quickly and fairly. If I have any questions, their representatives are very helpful and knowledgeable and have been easy to work with each time.

Andrea F
Tacoma, Washington
Fast payment, easy claim filing and no hassles at all - wow!

Monica J
Houston, Texas
I adopted my dog from a foundation that re-homes retired military working dogs and contract working dogs. My dog had no prior health problems was in incredible shape could scale a 6 foot wall and run faster than any dog I had ever seen in my life he is a pure bred shepherd with incredible hips and saw a veterinarian on a monthly basis during his time working for the government training as a explosive detection dog. Within a couple of weeks of adopting him I made the decision to put him on an insurance plan with embrace pet insurance even though it seemed like there was a very slim chance that this dog would ever have any kind of health problems. Quimby quickly stole my heart and my couch... Read More

Joe M
Florence, Massachusetts
We have had Embrace for seven years now. We have got a 180 lb English Mastiff that weve had from a pup, Embrace is right on top of informing you when they get a claim to let you know that they got it and its being processed. Embrace gets right in touch with you about the claim after its been looked at. Not once have weve been denied a claim in seven years and were talking about a 180lb Mastiff here. Embrace also has a wellness plan separate from the medical plan that covers yearly phisicals, that to is a very helpful plan. Seven years ago I looked into pet insurance for our boy and I looked at over 12 pet plans and we decided with Embrace. Our boy just went through torn acl surgery and... Read More

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