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)
92 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
92 Reviews
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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

[email protected]
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.

Clinton, Maryland
Please stay away from Embrace pet insurance. its a long story, so I'll give you the short version. We got a rescue, took her to the vet and they found nothing wrong, except for a slight problem with her knee. We waited the 6 months exclusion period and nothing got worse. Over thanksgiving she was in pain and I took her in for x-rays, her hips had deteriorated to the point of needing replaced. Our choices were put down the dog or get the surgery. I submitted to Embrace for pre-approval and they took 3 months to make the decision, which caused us to push her surgery back twice. They denied the claim, citing an observation that her first vet made, but had nothing to do with her hips.... Read More

Helen C
I wanted you to know how pleased and happy I am with the service at Embrace Pet Insurance. My Goldendoodle has been insured with you for years. Whenever I submitted a claim you provided a prompt response with a clear explanation. I feel my dog is so well cared for by you that it puts my mind at ease knowing that I have the people at Embrace Pet Insurance to turn to for wellness tips and prevention as well as when my dog is not feeling well. My dog has been healthy for many years but this year when she turned 10 she started having some medical issues. Embrace covered much of the cost for surgery and follow up care. I wish my own health insurance could be as responsive and as affordable... Read More

Margaret D
Weatherford, Texas
The claims we have filed were responded to immediately. The communication is very good.

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

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