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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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Roger S

2/22/2017
AGAIN I had a quick response excellent to deal with.
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Teresa T

2/22/2017
I have had extremely good results with Embrace Pet Insurance...I have had absolutely no problem whatsoever with this company..I have sent in claims for the wellness policy as well as the illness/accident policy and have received prompt returns to my account..within a week of filing...I have recomended them to not only friends and family but also people at my vets office..I feel very assured of my pets health as a result of my coverage...affordable and efficient
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dan p

2/22/2017
I consider getting my cat Sam insured by Embrace Pet Insurance one of the best decisions I have ever made. Their customer Service is extremely friendly and has always taken care of my claims quickly and always, it seems, in my favor. I would highly recommend them to all pet lovers.
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Susan C

2/22/2017
I can't tell you how many people I have recommended EMBRACE Pet Insurance to. I dog sit for a living, have worked at vets a big part of life and owned over 20 dogs. I now do not work for a vet and have moved to a new area so pay what everyone else does.. ouch! We decided to get pet insurance last year and I did exhausting comparisons. I chose EMBRACE because you can choose your deductible and coverage levels which impacts your monthly coverage. Other than that, the only real factor on price is your pets age. We recently had our sweet golden diagnosed with two brain tumors and traveled to UC Davis, California from Washington State for advanced radiation treatment, the only treatment... Read More
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Rita B

2/22/2017
I have 3 dogs insured with illness and injury policies. Embrace is courteous to deal with, is prompt to examine a claim, and will reimburse at the rate agreed upon in whatever part of the country you live in. I live in MA and our vet bills are higher than the Midwest, for example. I have done my homework with other plans, and for my family, Embrace is the best choice. I've had Embrace insurance for 4 years.
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Vivian h

2/22/2017
My 2 year old Rottweiler Halo injured her leg very badly. We had extensive physical therapy and finally ended up having TPLO surgery. The staff at embrace were very caring and very helpful walking me through my coverage and my claims. Embrace was very fast in acknowledging my claim submissions and very fast refunding my vet expenses. My family is very thankful to everyone at embrace they are a great company to deal with!!! 😉Vivian Hurley
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K
kvatz

2/22/2017
Embrace is amazing! I had been skeptical about buying pet insurance, considering my experience in dealing with personal health insurance companies, as we all know. We have Embrace insurance for our 2 year old Lab Retriever, and have had every claim promptly covered with no hassle, including two large claims for injuries. No arguments, no evasion, no problems. They just direct deposit the reimbursements to my bank account. I can't compare Embrace with any other pet insurance company in terms of service, but I don't know how anyone else could do better. I did compare the rates and benefits a couple of years when we first enrolled, and Embrace seemed to be the most cost effective for... Read More
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Kristi

2/22/2017
Until recently, I had all three of my dogs covered under Embrace. Sadly, I had to put one of them to sleep, and contacted Embrace about my loss. They were very helpful and kind. They removed him from the plan, updated my paperwork, and notified me of my new monthly payments. My only comment is that once my pet was removed, I was no longer able to see his pending/submitted claims. I would like to see in the future a way to still have access to my pets records even when they are no longer covered. Thank you for all that you have done for me and my little friend. Kristi
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Gentry V

2/22/2017
I can not say enough wonderful things about Embrace Pet Insurance. My one & half year old little baby Italian Greyhound, Athena, had some major seizures and a fever over 104 the first of this year. We rushed to the emergency pet center and the next day she was admitted to the hospital for a week. After numerous tests, including a MRI and spinal tap, we discovered she had an infection in her spinal fluid. 80% of the over $7,000 costs were paid by Embrace. We are still in follow-up care and I know that Embrace is there for us. Taking out this insurance is one of the smartest purchases a loving animal parent can do for their beloved pet. Thank you. Gentry V.
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C
Cathy P

2/22/2017
Highly recommend Embrace. Never had any problems contacting them and all questions can be resolved by either one short phone call with very knowledgeable staff, or by looking at their website. My vet (VCA) is familiar with Embrace and automatically submits claims for my two dogs. I get prompt notices from Embrace of claims submissions and claims processing. I highly recommend Embrace to anyone who has pets. Definitely worth it !
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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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