Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
172 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 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
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Customer Comments

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Stephen H
Hanover, Massachusetts

We had to put down our beloved Black Lab (8 years old) due to a spinal cord tumor. My wife and were devastated but the only positive of the whole experience was how wonderful Embrace was covering his claim and reimbursing us for the sizable medical bills he incurred before his euthanasia. I would (and already have) strongly recommend Embrace to any pet parent. The staff was genuinely sincere and compassionate about our loss and did their best to help us with our claim.
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Joyce R
Tipp City, Ohio

We've had our dog insured since she was a puppy, about five years now. I've had a very easy time dealing with Embrace and have never had any claim be denied. Our dog developed EPI (Exocrine Pancreatic Insufficiency) and all the initial diagnostics and all the enzymes we have to give her since then (not cheap) have been covered. It's been such a big help and I tell other pet owners often about Embrace. Other smaller illnesses that have come up have been covered, too. The people I've dealt with have always been nice, helpful and professional. The coverage seems really reasonable to me. The online policy management and claim submission is pretty good and I'm glad they have it. I'm trying to... Read More
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Linda M
Boston, Massachusetts

I've been using Embrace for the past few years for both my cat and dog. They're really quick with processing claims and I haven't had any issues with them denying coverage. It's also super easy to submit claim documents online on their customer website. I highly recommend Embrace.
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John C
New Orleans, Louisiana

Embrace has been extremely easy to work with. They review the claims very quickly and give you a response. The check follows within a few days. When I did not understand why a claim had been denied and called, they were very helpful and suggested I resubmit the claim and add the information that I had over looked in order for them to approve the claim. We have been very pleased with them for almost the two years they have covered our dogs. We have received far more in claims than the cost of the insurance.
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joe I
Prescott, Arizona

My experience with Embrace has been very positive and good. All claims have been handled in a quick, courteous manner with no hassles at all. The premiums are reasonable and fair for the benefit delivered. Having Embrace for Prince has been an excellent choice and provides great peace of mind for his normal veterinary care and for emergencies that occur, particularly with his recent encounter with Javelinas.
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Vienna, Virginia

Embrace pet insurance is the best pet insurance you can get! I have had both my dogs covered for 4 years and love the peace of mind that if anything happens they will get the best care they deserve. Embrace is always quick once I submit my claims (I hear back within two weeks usually). I highly recommend Embrace!
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Fort Lauderdale, Florida

Excellent insurance. Fast reimbursements. I highly recommend this company.
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Susan A
Murrieta, California

I have had Embrace Pet Insurance for approximately 10 years. They have paid everything that the contract promises. I have no complaints whatsoever. It has been a comfort to know that I could provide the care my dogs have needed without being concerned about cost. One dog ate gopher poison and was near death. I was able to tell the emergency vet to do whatever was necessary since I had insurance, and they treated her successfully. My other dog was able to have radiation for nasal cancer, and again, cost was not an issue. I have recommended Embrace to everyone who needed pet insurance. I particularly like that the policies can be tailored in regards to deductible and share of cost.
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North Port, Florida

I have had other pet insurance companies that always found a reason to exclude coverage. They also only paid a portion of what they felt was "reasonable & customary"' I sometimes had to wait over a month for any reimbursement. I have had Embrace for 2 years. I am so glad that I chose Embrace for the 2 dogs I now have. I selected a 20% copay and they have always paid 80% of the actual Invoice submitted & do so promptly. The Veterinarian only has a small portion of claim form to sign & the Invoice is attached. The process is very simple for the Vet which is very good. I highly recommend Embrace to all my friends that have dogs.
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Roger S
Woonsocket, Rhode Island

AGAIN I had a quick response excellent to deal with.
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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