Embrace Pet Insurance Review

Rating: 8.8 / 10 (Excellent)
172 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 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
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Customer Comments

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Donna K
Fernandina Beach, Florida

I am very pleased with the responsiveness and quality of service I have experienced with Embrace.
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La Jolla, California

We are so pleased with the way our claims were processed. Efficient, thorough and responsive -- we could not have asked for a better customer service experience!
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Lu l
Slippery Rock, Pennsylvania

Had to use insurance and was very helpful during phone call and also speedy payment. Thank you embrace
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Tracey T
Germantown, Tennessee

I have been with embrace for 8 years now. I have always been so impressed with the customer service and quick reimbursement of claims. Sadly, right before Christmas ,our sweet lab suddenly became partially paralyzed. After several vet visits, a specialist visit, and an emergency cat scan, We learned that she had a bone cancer that had invaded her spinal cord. We had to let her go. Embrace not only answered all of my questions, They paid my 2500 dollar claim in just a couple of weeks. They made a difficult time easier. I was able to give my Holly the care that she deserved, without having to worry about cost.
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Redmond, Washington

I have had Embrace for my dog Riley for the last 9 years. I think I may have only had 1 or 2 claims during those 9 years. This year she got very very ill. We spent thousands and thousands of dollars getting her healthy again and Embrace was great to work with. they accepted all the paperwork from our vet and we had a reimbursement check in hand before her stitches have healed. I feel so fortunate knowing we have Embrace for our pets.
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Carmine B
New Port Richey, Florida

I have had my kitty insured by Embrace for several years. Also have a Wellness Plan for her. Both the Accident/Illness insurance and the Wellness Plan pay for themselves in terms of money saved on vet bills. Embrace has developed the most streamlined claims procedure. The customer simply accesses a one-page claim form that is already marked with the pet's name. Then she takes it to the vet, who adds doctor's notes and an invoice. Some vets will fax the completed form to Embrace. Others ask the customer to do it. Once Embrace receives the completed form, the claim is reviewed and paid in about one week. The money can be direct deposited to your bank account. Should you need to speak with... Read More
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Chicago, Illinois

It is unfortunate that a pet insurance company has chosen to deceive pet owners. Read the fine print. They take your premiums (not clarify what is not covered, auto-renew) but do not pay the claims.
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Dustin a
Asheboro, North Carolina

Next time a customer is in duress, explains to you numerous times that they don’t have any money to pay out of pocket and can’t afford a large hospital bill don’t tell the customer “you’re covered” tell them how much is covered; even if this means repeating the percentage covered multiple times. Take into consideration that the customer is likely about to lose a member of their family and they don’t need “you’re covered” only to receive a $3,000 bill (copay). Have the intestinal fortitude to tell them in a compassionate way that no matter what, you will pay “X” percentage of this bill. Personally, I believe your customer training and/or language is in need of a serious... Read More
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Hannah F
El Paso, Texas

I've never been more infatuated with an insurance company. My kitten got sick & Embrace reimbursed us within DAYS of me submitting the claim. The first claim always takes the longest, but after that everything was so quick. When your baby is sick, the bills pile up so responsiveness is so important. They were not sneaky or rude. They helped me every step of the way & there is no scary fine print. I would absolutely suggest Embrace to anyone.
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Kristin S
Cleveland, Ohio

Embrace has been wonderful in covering our dog Walter's claims in a timely manner. Initially there was some confusion with records from one of our other dogs and with one phone call it was corrected! Walter developed pneumonia and was hospitalized for 3 days. Recheck a week later revealed a mass in his chest. We then had a CT scan completed that revealed masses in both lungs. This has been an emotional time and knowing we could do what needed to be done for Walter without worrying about how we would pay for it has been a huge load off our mind and I would never be without insurance. All of my pets will be Embraced for life! Thank you Embrace.
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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