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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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Cynthia O

4/7/2017
My dogs have been covered by Embrace for a number of years. Each time we have needed their services, Embrace has done exactly what the report they will do, with a few added special kindnesses. One of our previous dogs had major surgery which was very costly. He had a very lengthy and painful recovery. Embrace paid their portion of the bill without any problems for me at all. When I had the occasion to speak with adjusters, they always wanted me to give their love and caring to our dog. Recently, we had another occasion to use Embrace for our dog Leia. She had a large cyst removed from her back. All went well. Embrace continued to come through without any complications or problems. I... Read More
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Nina R

4/7/2017
I've been using Embrace for 10 years now and can't say enough about their services. I have a mini daschund who is very healthy, however has had some bad luck in the dental department. Although dental services are not covered under his policy, he had two bruised teeth due to some sort of trauma that needed to be removed. The dental specialist worked hand in hand with the Embrace and were able to get some of my hefty bill covered which was such a huge help!!! They always go above and beyond and really care about the well-being of all of their pet clients :-) I've researched several Pet Insurance companies and Embrace is by far the best out there! No need to look any further. Thanks... Read More
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Robyn A

4/4/2017
Customer service is helpful, professional, understanding, compassionate. My only complaint would be the length of time it takes to get a reimbursement and the multiple follow up with my busy vets office for further description on my dogs injury.
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Abdias C

4/3/2017
I have been with Embrace for over 4 years now and it was the best decision I ever made. I was skeptical at first because I had to pay first and wait to be refunded but let me tell you my money is back in my account within the week! My dog was born with all kinds of problems had I not had embrace there was no way I could have afforded her care. To anyone else out there that is skeptical like I was believe me if you don't join Embrace that would be the only thing you would regret. Embrace will always be part of my life as long as I have a pet. If I could give this company 10 Stars I would that's how good they are!
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Diane R

4/2/2017
Embrace Pet Insurance has always been very helpful anytime I have had to contact them. I am not always up on how insurances work but they have always walked me through any questions or concerns I have with great patience and courteousness.
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Karen T

4/2/2017
Embrace has always been upfront, prompt and honest, unlike our previous company which charged a deductible for every visit, even if the illness was the same just worded differently. Very easy to work with. Don't need an app. As paperwork can be sent straight from the vets office. Highly recommend.
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M
Meredith

4/1/2017
I have had pet insurance on my three German Shepherds for three years. We've submitted two different claims for a knee injury to one, and for toxicity to the second. All I can say is thank God for embrace pet insurance because I could not have afforded the $13,000 worth of bills head I not had it. They took care of the majority of the paperwork and I had to check within three weeks each time. My dogs are my children and I'm glad this company stands by their word.
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Bonnie L

4/1/2017
Friendly, caring service. Speedy claim reimbursement. Would highly recommend Embrace.
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Patty H

3/31/2017
After my last 2 dogs passed away and spending over $10,000 on their vet care without insurance, I promised myself that I would have pet insurance on future dogs. When I adopted my next 2 girls Lucy and Georgie from the shelter, the first thing I did was get pet insurance from Embrace. I looked at many insurance companies before deciding on Embrace. My full-time job is getting Health insurance for people so I knew what to look for in getting insurance for my "girls". Embrace has exceeded my expectations and done a wonderful job in paying claims. Georgie has had numerous claims with 2 of them being life threatening. Embrace has always made immediate payments directly to my checking account... Read More
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D
Dee

3/28/2017
Embrace without question or hesitation is absolutely the very best insurance available to your beloved pets. They have promptly paid and covered hip dysphasia in 2 oh my pups. I can't tell you enough how fabulous customer service is. The claim processing is easy. Every night I sleep well knowing my pups are covered by a fabulous insurance provider. I highly have and will continue to recommend Embrace Pet Insurance.
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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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