Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
172 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. 
Learn more.
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.

How is Embrace rated?


Benefit Limits
Claims and Service

Overall Rating: 8.8 / 10 (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 - 10 / 10

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 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
Coverage Types
Vet Selection
Out-of-State Coverage
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 - 7 / 10

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 Benefit Maximum

Reimbursement & Deductibles

Reimbursement - 10 / 10

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
Maximum Percent Reimbursement

Deductibles - 8 / 10

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
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Embrace cost?

Pricing - 9 / 10

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

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 - 8 / 10

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

Claims and Service - 9 / 10

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 quick as possible. Furthermore, beginning recently, claim forms can now also uploaded through MyEmbrace, the company's online customer account.
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122
Year Founded

What We’re Hearing From Our Readers
Are you a customer of Embrace Pet Insurance?
Submit a comment and tell other people about your experience!
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Customer Comments

Loading Reviews ...
Post Falls, Idaho

During a very traumatic time when we were not sure if our pup was going to make it, I didn't have to slack on care knowing I had Embrace Pet Insurance. The claims were processed very quickly, I was very impressed.
Was this comment helpful?

Van Wert, Ohio

We've had no issues with Embrace Pet Insurance Co. what so ever. In fact Embrace goes out of their way to explain what your pet is covered for and just as importantly, what is not covered. No surprises. Having talked with these folks on more than one occasion, I'm convinced they're also animal lovers . . . . . .
Was this comment helpful?

Michael R
Albuquerque, New Mexico

I've been using Embrace for my dog Max. Max was diagnosed with cancer about a year ago and Embrace has just been incredible. No problems what so ever. All claims have been addressed and reimbursements have been paid. I don't know what I would have done if not for this insurance company. Max and I thank you very, very, very much.
Was this comment helpful?

Alexandria, Virginia

I have had to make two claims with Embrace and on both occasions they were professional, fast to respond to questions, communicated clearly, and the checks came within 3 days. I've never had a better insurance experience, and I will only use Embrace for my fur babies.
Was this comment helpful?

Christine R
Framingham, Massachusetts

My dog Max required a diagnostic exam for a new heart murmur. The customer service group at Embrace were so helpful, explaining which insurance forms were needed and how to fill them out. I completed the forms on-line and had a response the next day. They were able to issue payment for the claim and the check came within the week. The best news is Max will be just fine.
Was this comment helpful?

Kathryn W
Liverpool, New York

Our GSP needed an emergency splenectomy after a tumor ruptured the organ and he was bleeding internally. Embrace covered 80% quickly.
Was this comment helpful?

Mark H
Roseville, California

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
Was this comment helpful?

, Ohio

Every time I have called for a question or issue, the people I have spoke to have been polite, friendly and very helpful.
Was this comment helpful?

JoAnn S
Bay Shore, New York

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.
Was this comment helpful?

Patricia d
Brooklyn, New York

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.
Was this comment helpful?

Top Rated
Our Partner
8.8 / 10
  • Strong Illness & Accident Coverage - Use Any Vet
  • Optional wellness plan & Rx coverage covers spay/neuter
  • Benefits limited to $15k/yr
  • Customizable Annual Deductible from $200-$1000