Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
142 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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142 Customer Comments & Reviews

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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

Lowell, Michigan

My puppy had to go to ER for acute vomiting and diarrhea. X-rays revealed foreign matter had been ingested. She ended up being hospitalized with IV fluids. The bill was $1800 and she made a full recovery. After submitting my claim, and waiting two weeks Embrace denied the claim! They said vomiting was a PRE-EXISTING CONDITION!!! All because when I took her to the vet Two MONTHS before that I mentioned she vomited once. Randomly. Because puppies do that. But it was in my two week waiting period. I had to get a letter from my vet (who was outraged) and go through an appeal process. Embrace finally paid. Don't get Embrace.

Alexandra H
Mattapan, Massachusetts

Embrace has outstanding coverage and exceptional customer service! I have worked in the (human) insurance industry for 25 years, so when I considered pet insurance for my dog, I scrutinized each carrier's policy cover-to-cover. Embrace had, by far, the most inclusive policy with the best choices for deductibles. I have been with Embrace for eight years, and am so happy with my policy and service! I also opt for the additional "Wellness Plan" that covers routine visits and preventative care, and reimburses me about $50 more than I pay for it. Most of all, I love that Embrace gives me peace of mind that if anything were to happen to my boy, I can rest easy in knowing I can get him the best... Read More

Taunton, Massachusetts

I recommend Embrace Pet Ins. to all my family and friends. My experience with this company had been fablouse.My claims are address quickly and I am always able to get in touch by phone, customer service is excellent.

Taunton, Massachusetts

I recommend Embrace Pet Ins. to all my family and friends. My experience with this company had been fablouse.My claims are address quickly and I am always able to get in touch by phone, customer service is excellent.

North Attleboro, Massachusetts

In the same month both of our girls had medical issues. The oldest needed to have to Mass Cancer Tumors removed. The surgery was expensive but having Embrace we knew our girl was going to be fine because we could afford the surgery. During the next week our little girl developed serious urinary problems. Again Embrace made it possible for her to get all the treatments she needed. In dealing with the girls medical issues my husband became ill. Embrace paid the claims very fast taking even more stress away.

Samuel L
Mesa, Arizona

I can't say enough positive things about this company. Every time I have contacted them I have bee handled with courtesy and professionalism. I have recommended Embrace to several people. To me that is the most positive of recommendations.

Becky M

Had coverage on 5 dogs. 4 were seniors. Customer Service folks were awesome. Claims process fast. However, with the high deductibles I had to carry to be affordable and meeting $750 deductibles was very hard. Also, having a dog with allot of medical issues that weren't going to be covered I felt I was throwing my money away. My advise don't apply for insurance on dogs older then 3 years old with this company.

, Ohio

Absolutely wonderful experience. One of our dogs tore her miniscus and ACL. After local vet evaluation it was determined that due to her weight she needed a more complex surgery. This was only provided by an out of area vet. Everything went smooths as glass. Pre-certification was a breeze. The surgery went well and the reimbursement once the forms were submitted came in a short few days. You always wonder how things will be IF you ever need the coverage. I can tell you we needed it, it was there and it was as smooth as can be. I'll happily be renewing both dog policies next year. Thank you EMBRACE for an excellent experience!!!

Steve B
Chicago, Illinois

I have been with embrace for 7 years. I set up a custom plan to cover catastrophic medical events, $1,000 deductible. I needed it twice... it was nice to know I did not have to choose between what I could afford and the life of my beloved dog. Embrace has been wonderful to deal with. All claims where promptly paid and their were no hidden exceptions. Reimbursement was exactly as I expected. The initial set up was a little work, getting all the forms filled out at the vet and sent in. I understand why Embrace asks for those. If they allowed folks to buy insurance as soon as they had a vet bill, they would not be in business very long. I can also say that everyone I spoke to... Read More

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