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)
97 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.

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.

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
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 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.

Contact & Additional Information

Homepage URL
Company Phone
(800) 511-9172
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122
American Modern Insurance Group
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating
BBB Rating
Year Founded
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Latest Reviews

Based on customer reviews
97 Reviews
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North Attleboro, Massachusetts
In the same month both of our girls had medical issues. The oldest needed to have to Mass Cancer Tumors removed. The surgery was expensive but having Embrace we knew our girl was going to be fine because we could afford the surgery. During the next week our little girl developed serious urinary problems. Again Embrace made it possible for her to get all the treatments she needed. In dealing with the girls medical issues my husband became ill. Embrace paid the claims very fast taking even more stress away.

Samuel L
Mesa, Arizona
I can't say enough positive things about this company. Every time I have contacted them I have bee handled with courtesy and professionalism. I have recommended Embrace to several people. To me that is the most positive of recommendations.

Becky M
Falmouth, Kentucky
Had coverage on 5 dogs. 4 were seniors. Customer Service folks were awesome. Claims process fast. However, with the high deductibles I had to carry to be affordable and meeting $750 deductibles was very hard. Also, having a dog with allot of medical issues that weren't going to be covered I felt I was throwing my money away. My advise don't apply for insurance on dogs older then 3 years old with this company.

Plain City, Ohio
Absolutely wonderful experience. One of our dogs tore her miniscus and ACL. After local vet evaluation it was determined that due to her weight she needed a more complex surgery. This was only provided by an out of area vet. Everything went smooths as glass. Pre-certification was a breeze. The surgery went well and the reimbursement once the forms were submitted came in a short few days. You always wonder how things will be IF you ever need the coverage. I can tell you we needed it, it was there and it was as smooth as can be. I'll happily be renewing both dog policies next year. Thank you EMBRACE for an excellent experience!!!

Steve B
Chicago, Illinois
I have been with embrace for 7 years. I set up a custom plan to cover catastrophic medical events, $1,000 deductible. I needed it twice... it was nice to know I did not have to choose between what I could afford and the life of my beloved dog. Embrace has been wonderful to deal with. All claims where promptly paid and their were no hidden exceptions. Reimbursement was exactly as I expected. The initial set up was a little work, getting all the forms filled out at the vet and sent in. I understand why Embrace asks for those. If they allowed folks to buy insurance as soon as they had a vet bill, they would not be in business very long. I can also say that everyone I spoke to... Read More

Birmingham, Michigan
I had embrace for our hairy guy and boy am i ever glad i did! He was diagnosed with a tumor on his cerebellum in april 2017 and passed away on june 25, 2017. Just awful for us, so heart breaking, we lost a cherished family member but let me tell you, having the embrace policy made this awful, horrible event so much easier to deal with. His mri / blood work was $4,000, i submitted the invoices 2 days later and boom! ....Check was in the mail within 10 days!!!! 80% of his bills have been covered / reimbursed. I have since submitted invoices for his meds and sadly his euthanasia, embrace has issued checks for those expenses as well. We miss that boy sooo much but this policy really made... Read More

Hank S
Benicia, California
We took insurance for our then 7 month old puppy 5 1/2 yea s ago. We have made numerous claims since that time. Our dog has many allergies and we give him an injection weekly. Embrace has covered this and more and is timely with their reimbursement. We recently got a new puppy and their was no question that we would take out insurance on her with Embrace. I heartily recommend Embrace insurance for your pets

Agawam, Massachusetts
my cherished English Springer Spaniel, Shelby, has been undergoing three weeks of Vet visits and constant rounds of eye drops and pills for a very stubborn eye ulcer. Now that I have met my deductible, Embrace is there to help me. I could not have really been able to afford all these costly visits to the vet and the canine eye specialist if it were not for my coverage with Embrace. The staff at Embrace has been there for me...expediting claims and answering my questions. Joey and all the staff deserve heaps of praise for their excellent customer service and most of all, their compassion. Joanie Gevry

kathryn d
Manassas, Virginia
having insurance is always a big help. claims are looked at in a timely manner. checks are done in a timely manner.

Heidi B
Pittsburgh, Pennsylvania
Easy to process claims via the web site. Processing of our payment was seamless.

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