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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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Joey W

9/1/2017
Great place to feel secure in your life with your additional family member covered in any event. Safe and secure with coverage that cares.
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Kathy F

8/28/2017
I have been very happy with Embrace Pet Insurance. Four of my pets are covered and thankfully only one has had claims. The process is easy and Embrace paid quickly with an explanation of benefits. In addition, it was easy to choose which policy I wanted along with the deductible in order to keep the policies affordable for my income. I highly recommend Embrace Pet Insurance both for the flexibility and service.
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Sheri B

8/28/2017
My first real use of our Embrace Pet Insurance happened in late June 2017 with our 10 year old black lab, Bosley's cancer diagnosis. Bosley had a very large soft tissue tumor removed from his backside in July. Prior to the surgery, Bosely had to have around $1700 worth of tests performed and then his surgery was another $2800. Embrace processed the claims very fast and enabled us to pay off our credit card. We are waiting on another claim worth around $1400 to be processed which is for Bosley's post op and first round of chemo. Bosley will have another 5 rounds of chemo that will most likely use up all of our available insurance funding for the year. If it were not for Embrace... Read More
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Vicki M

8/27/2017
Embrace is an extremely reliable company. They are prompt in their reimbursement, professional in their advising the status of a submission and accommodating and available for answering questions or concerns. I would HIGHLY recommend this company for Pet Insurance needs. We have been delighted with their attention to us for the past 4 1/2 years. Vicki Morris Newport Beach
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Alexandra H

8/24/2017
Embrace has outstanding coverage and exceptional customer service! I have worked in the (human) insurance industry for 25 years, so when I considered pet insurance for my dog, I scrutinized each carrier's policy cover-to-cover. Embrace had, by far, the most inclusive policy with the best choices for deductibles. I have been with Embrace for eight years, and am so happy with my policy and service! I also opt for the additional "Wellness Plan" that covers routine visits and preventative care, and reimburses me about $50 more than I pay for it. Most of all, I love that Embrace gives me peace of mind that if anything were to happen to my boy, I can rest easy in knowing I can get him the best... Read More
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EllieHolt

8/23/2017
I recommend Embrace Pet Ins. to all my family and friends. My experience with this company had been fablouse.My claims are address quickly and I am always able to get in touch by phone, customer service is excellent.
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EllieHolt

8/23/2017
I recommend Embrace Pet Ins. to all my family and friends. My experience with this company had been fablouse.My claims are address quickly and I am always able to get in touch by phone, customer service is excellent.
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Pam

8/6/2017
In the same month both of our girls had medical issues. The oldest needed to have to Mass Cancer Tumors removed. The surgery was expensive but having Embrace we knew our girl was going to be fine because we could afford the surgery. During the next week our little girl developed serious urinary problems. Again Embrace made it possible for her to get all the treatments she needed. In dealing with the girls medical issues my husband became ill. Embrace paid the claims very fast taking even more stress away.
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Samuel L

8/2/2017
I can't say enough positive things about this company. Every time I have contacted them I have bee handled with courtesy and professionalism. I have recommended Embrace to several people. To me that is the most positive of recommendations.
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Becky M

8/2/2017
Had coverage on 5 dogs. 4 were seniors. Customer Service folks were awesome. Claims process fast. However, with the high deductibles I had to carry to be affordable and meeting $750 deductibles was very hard. Also, having a dog with allot of medical issues that weren't going to be covered I felt I was throwing my money away. My advise don't apply for insurance on dogs older then 3 years old with this company.
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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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