Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
176 Customer Comments & 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

What We’re Hearing From Our Readers
Are you a customer of Embrace Pet Insurance?
Submit a comment and tell other people about your experience!
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Customer Comments

Loading Reviews ...
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
1 People found this helpful.

Los Angeles, California

Only pet insurance to consider. Excellent customer service and definitely worth it when u have a pet.
Was this comment helpful?

Jo-Ann M
Newark, New Jersey

The company is efficient with processing, very much communicates during the process and helpful when you need to reach customer service. I am very pleased with Embrace.
Was this comment helpful?

Tammy H
Ashburn, Virginia

We’re so grateful for deciding to sign our dog, Luna up with Embrace Pet Insurance. Luna is a sweet and beloved member of our family and knowing we have the resources to take care of her medical needs greatly reduces the stress involved with large medical bills. Embrace Pet Insurance has made filing claims and receiving reimbursement checks super easy. I tell everyone I know that has a pet to invest in pet insurance. It literally has saved our pet’s life. Tammy Hunsucker
Was this comment helpful?

Dallas, Texas

Embrace provided fantastic support for my dog's surgery. They are always courteous and knowledgeable when I call their customer service. They paid the claims quickly and without fuss. If only my own health insurance was this smooth! Highly recommended to all pet owners!
Was this comment helpful?

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 !!
Was this comment helpful?

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
Was this comment helpful?

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
Was this comment helpful?

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.
Was this comment helpful?

Scott L
Newark, New Jersey

Puppy had spay surgery had a hernia after. Check was in the mail within 8 dayd
Was this comment helpful?

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