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Embrace Pet Insurance Review

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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.
 
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How is Embrace rated?

Breakdown

5.0/5
Coverage
4.5/5
Cost
4.5/5
Extras

Overall Rating: 4.4 / 5 (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 - 5 / 5

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 an 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
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
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 - 3.5 / 5

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
Annual Benefit Maximum
$15,000

Reimbursement & Deductibles

Reimbursement - 5 / 5

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
65%
Maximum Percent Reimbursement
90%

Deductibles - 4 / 5

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
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1,000

Pricing: How much does Embrace cost?

Cost - 4.5 / 5

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

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$13.04
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$8.98
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 - 4 / 5

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

Extras - 4.5 / 5

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 quickly as possible. Furthermore, beginning recently, claim forms can now also uploaded through MyEmbrace, the company's online customer account.
Claim Form
Mail
Email
Fax
Online Portal

Contact & Additional Information

Homepage URL
http://www.embracepetinsurance.com
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122
Year Founded
2003
What We’re Hearing From Our Readers
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Customer Comments

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Nina L

2/28/2018
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!
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Catherine L

2/28/2018
The Embrace staff are always very quick to respond to any questions I may have regarding my policy. The turnaround time for claims has been great. Thanks for such good service!
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Vicki S

2/25/2018
I love Embrace, they are very helpful with claims, and quick repayment of claims. Very impressed so far
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Randee R

2/24/2018
Deciding on pet insurance can be very stressful especially when you read reviews. EMBRACE was a great choice for us. We have 2 rescues and we could afford to insure both based on the many plans they have. In the 6th month 1 was injured and diagnosed with a partially torn meniscus and needing TPLO surgery. We were reimbursed promptly and all claims are processed usually within a very short amount of time
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Carleen

2/21/2018
During a very traumatic time when we were not sure if our pup was going to make it, I didn't have to slack on care knowing I had Embrace Pet Insurance. The claims were processed very quickly, I was very impressed.
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David

2/18/2018
We've had no issues with Embrace Pet Insurance Co. what so ever. In fact Embrace goes out of their way to explain what your pet is covered for and just as importantly, what is not covered. No surprises. Having talked with these folks on more than one occasion, I'm convinced they're also animal lovers . . . . . .
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Michael R

2/8/2018
I've been using Embrace for my dog Max. Max was diagnosed with cancer about a year ago and Embrace has just been incredible. No problems what so ever. All claims have been addressed and reimbursements have been paid. I don't know what I would have done if not for this insurance company. Max and I thank you very, very, very much.
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J
Jessica

2/7/2018
I have had to make two claims with Embrace and on both occasions they were professional, fast to respond to questions, communicated clearly, and the checks came within 3 days. I've never had a better insurance experience, and I will only use Embrace for my fur babies.
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Christine R

2/7/2018
My dog Max required a diagnostic exam for a new heart murmur. The customer service group at Embrace were so helpful, explaining which insurance forms were needed and how to fill them out. I completed the forms on-line and had a response the next day. They were able to issue payment for the claim and the check came within the week. The best news is Max will be just fine.
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Kathryn W

2/5/2018
Our GSP needed an emergency splenectomy after a tumor ruptured the organ and he was bleeding internally. Embrace covered 80% quickly.
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Our Partner
  • Unlimited reimbursement, use at any vet
  • Covers illnesses, conditions & accidents
  • Add on dental insurance & prescription coverage
  • Optional wellness plan for routine check-ups, grooming & training costs
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