Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
172 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
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

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

Latest Embrace Reviews

Based on172 Reviews fromEmbrace customers
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

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 !!

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

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

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.

Scott L
Newark, New Jersey

Puppy had spay surgery had a hernia after. Check was in the mail within 8 dayd

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.

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.

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.

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.

New York, New York

My adorable 2yr old cockapoo had two accidents which required emergency care. Of course, at the time, we’d do anything to help our special, beloved furry friend, even when you choke at the bill charged. Embrace couldn’t be better or easier. Submitting claims on line makes it quick and easy. Thankfully, my claims were reimbursed 80%, and checks arrived in less than two weeks! Far better and easier than the coverage I had with my other doggie! Yea, Embrace!

Jackie P
Murrieta, California

Embrace is awesome. I am getting towards the end of my insurance year, so I asked my veterinarian staff to submit several claims for 2017. I wasn't sure I was going to exceed my deductible, so I waited until my renewal would be coming up. These claims were faxed on a Saturday, and my first check arrived within that following week. I just received three more checks and it has been only a week and a half. All I can say is fantastic. I have had Embrace for almost five years, and they never cease to amaze me. Well worth the investment, if nothing more than peace of mind. Love Embrace.

Lauren M
Santa Monica, California

Our dog Stanley needed knee surgery, which would have been very expensive! I was pleasantly surprised how easy the claims process was with Embrace. They made it very easy for the claim to be pre-authorized and then paid. Customer service representatives were knowledgeable and very nice. I would recommend Embrace to my friends and family for pet insurance!

Killeen, Texas

Embrace has been so easy and a pleasure with which to do business! Their customer service department are very friendly, helpful, and professional. They processed my claims super fast and made it very easy to submit all the pertinent information! 5 stars no question!!

Jose G
Houston, Texas

Excellent customer service. We are pleased with the way our claims were evaluated, in a very professional and timely manner.

Debra P
Tarrytown, New York

I can't say enough good things about the service I received from Embrace. for my cat. It was my first claim and I didn't know what to expect. My claims were processed quickly and without any complications. Their portal is very easy to use - my own doctor's portal should be that easy to access! Embrace is excellent!

South Portland, Maine

A former coworker had told me about pet insurance years ago. Her words stuck with me when I got my first puppy this summer and after researching many companies, I settled on Embrace. My little guy recently had a medical emergency and our vet was explaining our options. Her recommendation included admitting him to the emergency clinic. She warned that this could be very expensive. Having Embrace made the decision so simple. Additionally, our claim was processed within a week. The peace of mind Embrace provides in those frightening moments is invaluable.

DeDe S
New York, New York

I am thrilled with Embrace Pet Insurance. They reimburse vet expenses quickly, which takes some of the stress out of paying for my pet's medical bills.

Toko F
Kent, Washington

Thank you so much Embrace. Embrace helped us throughout the process of contacting Vet for our claim. Brian was very helpful. We felt valued as customer.

Avi C
Los Angeles, California

The best insurance that you can get for your pet. works great for me

Lena G
Goldens Bridge, New York

Kobe,our cockapoo, had a tumor that had to be removed. EMBRACE paid 80% of the bill for diagnosis and surgery after deductible - exactly what policy called for. Claims were processed quickly! We highly recommend rpetowners Embrace.

Marcella P
Pennington, New Jersey

I am so glad that I got Embrace Pet Insurance for my dog. I was able to easily file a claim online making it an easy process. I recommend that you get Embrace for your pets.

Das S
Austin, Texas

After being very reluctant in obtaining pet insurance, based on hearsay, we finally opted in! Embrace actually responded to all claims within 24 hours. Our Rottweiler recently had TPLO surgery and after our 300.00 deductible Embrace direct deposited the claim to my account. The turn around was amazing.

Lumina G
Kingston, Rhode Island

Embrace has always honored the bills we have presented for Rosie’s vet expenses. She had a mast cell tumor removed a year plus ago and Embrace covered her post surgical treatments as well. I am so glad that my daughter recommended them!

Harvey M
Irvine, California

If I could give a zero star I sure would. I have had problems with this pet insurance on the efficiency of processing my claims. When I have had emergencies with my pet I’ve had problems with them faxing or emailing the claim forms to the vet clinics. They only cover 80% with a 500 dollar deductible. I will not be using this pet insurance again.