Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
155 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 make 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: 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 & Waiting Periouds

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. 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
Accident Waiting Period
2 days
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. 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. Furthermore, beginning recently, claim forms can now also uploaded through MyEmbrace, the company's online customer account.
Advertised Response Time
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

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155 Customer Comments & Reviews

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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
Maple Valley, 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
The Bronx, 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
Wakefield, 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
Riverside, 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.

Walter T

they are SO good at communicating about when and why a claim will be or not be covered.

Nina L
Parker, Colorado

Both of my 10 year old dogs have been covered by Embrace since they were only a few months old. We have now used coverage for both of them, and the process today has been as easy as it was 9 years ago when we first needed it. The staff are always helpful and responsive, whether on the phone or via email. The documentation process is simple, just be sure to ask for an itemized break down of your vet visit that might be submitted. I have always recommended Embrace, from when we lived just around the corner from their office, to when we lived in Baltimore, to now while we're in Denver. Thank you for making such difficult times a little easier!

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