Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
141 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.

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 make 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: All spayed or neutered pets receive a 5% discount, If you have 2 or more pets on your policy then each pet will automatically receive a 5% multi-pet discount, If you choose to pay your policy in full each year then you will receive a 5% annual pay discount, Any pet parent (or their spouse/partner) who is actively serving in the Air Force, Army, Marines, Navy, or Coast Guard will receive a 5% discount, Any pet that has been PennHIP tested with a bilateral score of 0.3 or lower is eligible for an additional 5% discount

Enrollment & Waiting Periouds

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. 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
Accident Waiting Period
2 days
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. Page 2 of the form must be filled out by your veterinarian. 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.
Advertised Response Time
15 days
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

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141 Customer Comments & Reviews

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Karen B
Smithfield, Rhode Island

You handle and process claims in a consistent and timely manner. I just wish you had direct pay to a vet that was quicker because I had a large claim and had to find the money up front. In a time of emotional distress direct pay would take away that burden.

Sandi R
Lakeland, Florida

I have been very pleased with my experience as an Embrace customer. There has been a quick turnaround time on all the claims I have submitted, and the one time I needed to appeal something it was taken care of in a timely manner also. All of the staff members I have spoken to have been friendly and knowledgeable. I can't say enough good things about Embrace and recommend them to all my friends who are looking for pet insurance.

Elissa D
Cary, North Carolina

When I first got Fargo 8.5 years ago I started with another company for him find my two cats. Every single claim I put in was denied. I switched after 1 year to Embrace. Fortunately, until now, I only had to make one small claim for a yeast infection in his ears. Now he has diabetes. Embrace has paid promptly for his tests and medications. The customer service has been pleasant and efficient. I couldn't ask for more from a pet insurance company.

Christene T
Griffin, Georgia

Prompt reimbursement of claim! First one I've filed since having policy for six years.

Hoffman, New Jersey

I purchased a policy for our adopted 6 month old Golden who recently passed at age 8 due to cancer. This was his second bout with cancer and in both situations Embrace was a great company to serve our insurance needs. They covered everything our policy promised with no hassles. In fact, they were responsive and helpful during a very difficult time. The online claims process is easy to use. I will buy another policy from them when we become pet owners again.

samuel p
Staten Island, New York

Excellent Service and Quick payout, Best available Coverage and premium cost when compare to other big insurance carriers Embrace beat them all. They also offer the option to cover pet wellness cost. Highly recommend Embrace.

Joey W
San Francisco, California

Great place to feel secure in your life with your additional family member covered in any event. Safe and secure with coverage that cares.

Kathy F
Eugene, Oregon

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.

Sheri B
Lakeport, California

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

Vicki M
Newport Beach, California

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

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