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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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Mark H

1/29/2018
Once again Embrace comes through with quick reliable service claims handled in a quick efficient manner have always been satisfied with there service going on 8 years with one dog and 3 on our other dog
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kentcopper260

1/29/2018
Every time I have called for a question or issue, the people I have spoke to have been polite, friendly and very helpful.
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JoAnn S

1/26/2018
This is the third pet healthcare insurer I have used, and it is by far, the best. Claim submission is easy and claims are processed quickly. So far, I have nothing but positive things to say about Embrace and would definitely recommend them as a pet insurance company.
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Patricia d

1/24/2018
Recently our dog found and ate a bunch of chicken wing bones.he was fi e for about 60 hours then began to vomit.we had to do an over night visit at animal hospital. The bill was extensive. I was so thankful we had decided to get animal ins when we had rescued our 2 mos earlier. Embrace was so easy to deal with and far easier than human ins!!! They dealt with animal hospital and we were reimbursed $ within 7-10 days!!amazing!!the website is so easy to navigate and their emails helpful.i am rec Embrace to all my family and friends w pets.
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Donna K

1/19/2018
I am very pleased with the responsiveness and quality of service I have experienced with Embrace.
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mollybstyles

1/16/2018
We are so pleased with the way our claims were processed. Efficient, thorough and responsive -- we could not have asked for a better customer service experience!
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Lu l

1/14/2018
Had to use insurance and was very helpful during phone call and also speedy payment. Thank you embrace
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Tracey T

1/12/2018
I have been with embrace for 8 years now. I have always been so impressed with the customer service and quick reimbursement of claims. Sadly, right before Christmas ,our sweet lab suddenly became partially paralyzed. After several vet visits, a specialist visit, and an emergency cat scan, We learned that she had a bone cancer that had invaded her spinal cord. We had to let her go. Embrace not only answered all of my questions, They paid my 2500 dollar claim in just a couple of weeks. They made a difficult time easier. I was able to give my Holly the care that she deserved, without having to worry about cost.
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Laura

12/18/2017
I have had Embrace for my dog Riley for the last 9 years. I think I may have only had 1 or 2 claims during those 9 years. This year she got very very ill. We spent thousands and thousands of dollars getting her healthy again and Embrace was great to work with. they accepted all the paperwork from our vet and we had a reimbursement check in hand before her stitches have healed. I feel so fortunate knowing we have Embrace for our pets.
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Carmine B

12/8/2017
I have had my kitty insured by Embrace for several years. Also have a Wellness Plan for her. Both the Accident/Illness insurance and the Wellness Plan pay for themselves in terms of money saved on vet bills. Embrace has developed the most streamlined claims procedure. The customer simply accesses a one-page claim form that is already marked with the pet's name. Then she takes it to the vet, who adds doctor's notes and an invoice. Some vets will fax the completed form to Embrace. Others ask the customer to do it. Once Embrace receives the completed form, the claim is reviewed and paid in about one week. The money can be direct deposited to your bank account. Should you need to speak with... Read More
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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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