Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
158 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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158 Customer Comments & Reviews

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Barbara C
Waterbury, Connecticut

BEWARE! Only gave 1 star bc I couldn't give 0 (zero). This company is always ready to find an excuse to not pay. Undue stress with every claim. Extremely expensive monthly premiums (300.00 for two dogs) for the amount of aggravation you go through over EACH claim! Very slow in processing and they DON'T do their job. Say they send requests to vets but when you call the vet the vet tell you they were never contacted. Horrible customer service. Can never get a manager. Nothing but a constant argument. Horrible! Horrible! Horrible!

Judith S
Orange Park, Florida

Embrace is the absolute best. They have literally saved my dog's life. He has polyneuropathy which is a death sentence for other dogs. They have covered not only his acupuncture but also his stem cell injections that my dog Leo gets from the University of Florida vet school. There is no question that without Embrace my dog would be dead. Not only that, but in my many years with them, they have never, at any time, given me any difficulties with covering a claim and have always been courteous and caring to deal with. I could not possibly recommend them more highly.

Laura W
Topsham, Maine

I purchased this insurance for my beloved boxer dog. He was diagnosed with a large cancer mass in his chest and given two to three days to live. I was heartbroken but now I am just angry. Embrace denied my claim because my dog had a skin tag in the past!!!!! Yep they said a skin tag is a pre existing condition of getting a cancer mass. DO NOT BUY THIS INSURANCE THEY WILL NOT PAY YOU!!!!

Rachel S
Middlefield, Ohio

I have had my border collie covered by Embrace since he was a puppy, and have been quite satisfied with the insurance. They have covered and paid many claims for him, including alternative therapies for various injuries (Chiropractic, laser therapy, massage). I have never had a problem with them.

Leah T
Highland Springs, Virginia

Thinking about getting pet insurance through Embrace? Don't do it. They're the biggest scammers in the business. Yes, I read articles that recommended them, too. Don't believe them. I recently submitted a claim for diagnostic tests on my dog's potentially cancerous mouth tumor. Two very highly rated and trusted veterinarians said the mass needed to be tested (since something like 40% of dog mouth tumors are indeed cancerous). Both vets also recommended a tooth cleaning since the dog would be under anesthesia, anyway. I submitted my claim for the procedure, fully expecting to be reimbursed according to the terms of my policy--for the anesthesia, for the excision of the potentially... Read More

Courtney K
Cedar Falls, Iowa

Embrace is great because of one thing. They offer wellness programs. You can chose how much you would like to spend for the year on your pet for vet services and grooming! Even if you purchase from PetSmart or a different vet they will cover the cost. Such awesome program to have my pet on.

Las Cruces, New Mexico

Do not use this insurance. I have had it for a year on four dogs of different ages. It is a really bad insurance. Their motto is protect the business of Embrace. They will not pay on anything. The number one reason is "FLATULENCE." They keep saying animals must not have any gas for a Full Year. We all know people cannot do this and to think an animal can is ridiculous. Sure you might only pay $15 or $20 a month but when nothing is covered it is a Waste of money. If I could give a negative star I would. It would accept this review without putting at least a star.

Rawson C
Palm Coast, Florida

I filed my first claim on April 6th via email. Great communication, prompt pay. It's been less than 10 days and the check's on its way! What more can you ask for?

Rebecca g
San Diego, California

LET ME JUST TELL YOU HOW TERRIBLE THIS INSURANCE IS! It is a complete money scam and they DO NOT care about the animals they cover at all. We bought this policy on a whim. 3 days later my cat actually ended up needing to be rushed to the pet emergency. Thank goodness we just got this insurance right?! WRONG not only do they have a 2 week-ish waiting period that is in fine print so small you can't even find it, they also didn't even put the policy into effect until days after buying it making the wait time even longer. Now not only will they not cover any of the emergency treatment my baby needs to stay alive but because it occurred during the wait time they consider it an pre existing... Read More

Kim K
Tacoma, Washington

I have 2 10yr old Labs. Embrace has covered all things they have said they would withing the guidelines of the policy. They went out of their way to get my pups medical history and any additional information from the vets office. I don't know if the have the best overall coverage but i'm very happy with the coverage I have and the customer service that I receive. I absolutely recommend Embrace. And no, I have nothing to do with the company other than them being my chosen canine insurer. Have a blessed day

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