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Embrace Pet Insurance Review

258 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.
 
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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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J
Julie

12/7/2017
It is unfortunate that a pet insurance company has chosen to deceive pet owners. Read the fine print. They take your premiums (not clarify what is not covered, auto-renew) but do not pay the claims.
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Hannah F

11/30/2017
I've never been more infatuated with an insurance company. My kitten got sick & Embrace reimbursed us within DAYS of me submitting the claim. The first claim always takes the longest, but after that everything was so quick. When your baby is sick, the bills pile up so responsiveness is so important. They were not sneaky or rude. They helped me every step of the way & there is no scary fine print. I would absolutely suggest Embrace to anyone.
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K
Kristin S

11/29/2017
Embrace has been wonderful in covering our dog Walter's claims in a timely manner. Initially there was some confusion with records from one of our other dogs and with one phone call it was corrected! Walter developed pneumonia and was hospitalized for 3 days. Recheck a week later revealed a mass in his chest. We then had a CT scan completed that revealed masses in both lungs. This has been an emotional time and knowing we could do what needed to be done for Walter without worrying about how we would pay for it has been a huge load off our mind and I would never be without insurance. All of my pets will be Embraced for life! Thank you Embrace.
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Pam F

11/29/2017
Embrace Pet Insurance pays claims very quickly. I was able to have the testing done to diagnosis my pet’s illness knowing I would be reimbursed by Embrace Pet Insurance. Customer service is top notch.
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Jaclyn S

11/29/2017
Embrace's 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed - up. I didn't get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that 'We need the complete Medical History'. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn't know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that 'we don't want to... Read More
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D
David R

11/15/2017
Goldie, (my Silkie/whippet mix) had a great 2016; no claims at all. However the year before she managed to accumulate nearly $6000.00 in medical bills between self-inflicted poisoning (sago plant ingestion) and pancreas issues, again eating things she shouldn't. After the deductible was paid I only had $1600.00 total out of pocket expense. I'm on a serious budget and $6000.00 for a doggie Dr. bill... I may not have been able to save her. Because of Embrace I was able to save her from certain death! THANK YOU SO MUCH EMBRACE!
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M
Marc R

11/9/2017
The Embrace representatives we spoke with on the phone were extremely helpful and courteous. They also provided excellent information regarding processing the claim. Our claim was processed in a timely manner without any discrepancies. The reimbursement check was exactly the amount we expected to receive when we filed the claim. Thank you.
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P
pamela r

11/7/2017
This company is a sham. They take your money and then find every excuse not to pay your claims. I was told they would get back to me in 5 days. It took them 15 days. I appealed the denial and I was told I would hear in 15 days, it's been 30 days and I'm still waiting. Even after calling them again they never called back.
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J
Jodi S

11/6/2017
Embrance insurance is an excellent company. Signing up was very easy. There weren't any hidden or unexpected fees with the policy. All claims are handled efficiently and in a timely manner. Customer service people are friendly and informative. I would recommend Embrace to any pet owner.
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J
Jodi S

11/6/2017
Embrance insurance is an excellent company. Signing up was very easy. There weren't any hidden or unexpected fees with the policy. All claims are handled efficiently and in a timely manner. Customer service people are friendly and informative. I would recommend Embrace to any pet owner.
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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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