Embrace Pet Insurance Review
258 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. 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.
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!
Customer Comments
Loading Reviews ...
I have been an Embrace customer since June of 2016. I carefully researched companies as I wanted a company that provided alternative care such as acupuncture. Up until most recently I was happy with Embrace. I have learned that they will no longer be covering alternative care in the same way - unlimited visits. Each condition/incident gets 12 weeks of alternative treatment period. You cannot take your kitty or dog once a month for a year, for example, for acupuncture for a specific issue. You can't go once or twice a year for the same condition if the second time falls outside of the 12 week window. Once treated during the 12 week period, that is it for that condition - no more... Read More
3 People found this helpful.
Horrible claims service!!! My pet suffered a cruciate ligament tear from a recent accident and embrace took 4 weeks to review the claim only to deny it saying it was preexisting. My pet has only been to the vet for dental cleanings and shots. Even the vet said a cruciate ligament tear is not preexisting. I would strongly urge anyone seeking pet insurance to steer clear of this company!! Embrace spends more time trying to deny claims instead of honoring insurance agreements.
3 People found this helpful.
“Embrace distinguishes between curable and incurable preexisting conditions and covers curable conditions if pets remain symptom and treatment free for 12 consecutive months. “. In your last correspondence you stated that “the facts around the case clearly show Taft’s condition to be pre-existing.” In your advertising for your insurance that I received from USAA it clearly states that “Embrace distinguishes between curable and incurable preexisting conditions and covers curable conditions if pets remain symptom and treatment free for 12 consecutive months. “. I believe that Dr. Perkins letter specifically states that a total removal of the non descended testicle and follow up... Read More
3 People found this helpful.
One-sentence summary: If your dog has vomited at least one time in the past year (i.e., if it is a dog), your dog will not be covered for any illness for which vomiting could conceivably be a symptom (i.e., most illnesses). My experience with Embrace began a year ago. One day, I came home and found that my cat had been run over by a car but was still alive. Due to the extent of his injuries, the ER vets estimated that doing everything needed to save him would likely total over $10,000. Being a PhD student, I just did not have that kind of money. After trying to come up with the funds, I ultimately had to watch my cat go limp and die in my arms because I could not afford his vet... Read More
3 People found this helpful.
I have had embrace pet insurance for two years. This year we submitted two claims. The first had no payout due to it being below the yearly deductible. The second claim was for a root canal on a k9 tooth (expensive). Embrace only covered $1000 and claims that is their yearly limit (your add says 5000 minimum). They provided me with an email stating that the change was implemented 1 week prior to my claim (so much for 2 years of premiums). So this is yet another insurance company that refuses to pay out and will change any policy without notice to accomplish this goal. Now consider they increased premiums to $87 a month and will only pay out $1000 a year. That is not... Read More
3 People found this helpful.
DO NOT GET EMBRACE!!! I filed our first claim on June 24, 2020. After 2 weeks, we had to follow up with the Vet. And again, we filed another claim for his additional meds. I've been calling since then for updates. Every time I called they're asking for additional paper works. When we got all the medical records from the time we got him, they're asking for more. When they found out we went back for his regular check up. They also wanted that report!!! Finally, this time they wanted the detailed report of our puppy's neutering!!! Called the center that did it, but due to privacy issues especially, we got him from the rescue center, they can't release it. Today, I received an email saying... Read More
2 People found this helpful.
Very difficult claim process even for reimbursment on the wellness program, which you prefund. Dogs are totally healthy, as they know since they have insured them since they were pups, but still always ask for a 12 month medical history. Plus, they are expensive.
2 People found this helpful.
If I could give negative stars, I would. We have been customers of Embrace for years with one of our pups. We now pay over $160/month for the best coverage for our two dogs, and we have never had a claim. Our golden pup (22 months) did us a solid and ingested some mystery substance that required emergency care. Over $3K later, I submit my first claim in 6 maybe 7 years? First they put the claim on hold because they were missing the second page of the invoice (which contained no material information), then they put the claim on hold because they didn't have a full medical history. Our vet finally satisfied that hurdle. NOW it is on hold because they require the full medical history... Read More
2 People found this helpful.
I enrolled our rescue Lab 7 years ago when we first got her. Never submitted a claim until the last few months of 2018. She suffered from seizures due to a brain tumor. Surgery was scheduled but 2 days before, she had a massive seizure that landed her in the hospital for 4 days. We had to say goodbye unfortunately. Final cost of everything including the MRI came to about $8,000. Embrace covered it all at 80 percent with rapid reimbursement. Gave us piece of mind for making decisions for our girl. I have just enrolled our new rescue Lab with Embrace with more coverage and Wellness. Customer service was excellent all the way through and highly recommend this company.
2 People found this helpful.
I have had not a good experience. After putting my first claim in after two years and a rate increase I was told the vet hadn't completed the exam paperwork out correctly (2 years ago). Finally got that straightened out which was not easy as vet is out with terminal illness. Still have not heard about my claim after 2 mths and cannot get onto My Embrace site after trying for 1 hour. Don't waste your money
2 People found this helpful.
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
