Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
177 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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Deerfield, Illinois

Embrace is amazing! I had been skeptical about buying pet insurance, considering my experience in dealing with personal health insurance companies, as we all know. We have Embrace insurance for our 2 year old Lab Retriever, and have had every claim promptly covered with no hassle, including two large claims for injuries. No arguments, no evasion, no problems. They just direct deposit the reimbursements to my bank account. I can't compare Embrace with any other pet insurance company in terms of service, but I don't know how anyone else could do better. I did compare the rates and benefits a couple of years when we first enrolled, and Embrace seemed to be the most cost effective for... Read More
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Littleton, Colorado

Until recently, I had all three of my dogs covered under Embrace. Sadly, I had to put one of them to sleep, and contacted Embrace about my loss. They were very helpful and kind. They removed him from the plan, updated my paperwork, and notified me of my new monthly payments. My only comment is that once my pet was removed, I was no longer able to see his pending/submitted claims. I would like to see in the future a way to still have access to my pets records even when they are no longer covered. Thank you for all that you have done for me and my little friend. Kristi
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Gentry V
Miami, Florida

I can not say enough wonderful things about Embrace Pet Insurance. My one & half year old little baby Italian Greyhound, Athena, had some major seizures and a fever over 104 the first of this year. We rushed to the emergency pet center and the next day she was admitted to the hospital for a week. After numerous tests, including a MRI and spinal tap, we discovered she had an infection in her spinal fluid. 80% of the over $7,000 costs were paid by Embrace. We are still in follow-up care and I know that Embrace is there for us. Taking out this insurance is one of the smartest purchases a loving animal parent can do for their beloved pet. Thank you. Gentry V.
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Cathy P
Honolulu, Hawaii

Highly recommend Embrace. Never had any problems contacting them and all questions can be resolved by either one short phone call with very knowledgeable staff, or by looking at their website. My vet (VCA) is familiar with Embrace and automatically submits claims for my two dogs. I get prompt notices from Embrace of claims submissions and claims processing. I highly recommend Embrace to anyone who has pets. Definitely worth it !
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Amanda C
Alexandria, Virginia

My dog has been covered by Embrace for almost a year now and I so happy with the coverage he has. I have the Accident/Injury Coverage as well as the Wellness Plan. For the amount of coverage he gets, the price is pretty reasonable. During my first 30 days of coverage, Embrace reviewed his medical records and reached out to me to discuss conditions that would be permanently and temporarily excluded. My dog had some well-documented pee-existing health conditions (allergies and anxiety), so I was not surprised these were permanently excluded. Dates were given for when the temporary exclusions would expire. The customer service is excellent and payment is pretty fast. Overall, I would highly... Read More
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Heidi O
Franklin, North Carolina

Buy pet insurance from Embrace. Our policy paid for itself within the first few months when our puppy had Parvo. A year and a half later he had to have an exploratory laparotomy for a bowel obstruction. Between these 2 claims we had another for his anal glands to be removed and all 3 claims were covered. Embrace has saved us several thousand dollars and reimbursed us quickly. We honestlly have nothing negative to say about them. Thank you Embrace!!!
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Maria V
Magnolia, Texas

I've been a client of Embrace Pet Insurance for over 10 years. I have three dogs and it has been the best investment I've ever made. At the beginning you will think "it is a waste of money" but with time, just like us, our best friends begin to age and they start having some health issues. Embrace Pet Insurance has helped us with unexpected medical emergencies and health issues. All I have to say is that I REALLY appreciate all the help. They are always nice and the payment is very quick. If you have pets, you have to have Embrace Pet Insurance.
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Erica Q
, Tennessee

No complaints here. Very quick in processing claims. πŸ–’πŸ–’πŸ–’πŸ–’
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Mel B
Germantown, Maryland

I cannot say enough good things about this company. We have both our dogs insured through Embrace and I wouldn't have it any other way. I often recommend it to friends because they cover a portion of my vet bills, not just some arbitrary amount. They also cover breed-specific conditions (i.e. big dogs are more susceptible to hip dysplasia and it's covered, so long as your pet is insured before they develop signs/symptoms!). This year our dog hurt her back and after trying lots of different pain/anti-inflammatory meds and rest to no avail we decided to try physical therapy and acupuncture. Embrace covered BOTH! It's so cool that they cover alternative medicines and even better that my dog... Read More
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Dawn F
Montgomery Village, Maryland

I have a collie who seems to attract a new nasty germ every year. Giardia, MRSP... And every time, I think "well, this time Embrace is going to cancel me or jack my rate up or find a reason not to pay." I am wrong every time. My claims are paid quickly, there's no hassle, and the rates are comparable to other pet insurance companies. Embrace takes a lot of tension out of my life, exactly when I need them the most.
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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