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Embrace Pet Insurance

4530 Richmond Street
Cleveland, OH 44128
phone: 800-511-9172
claim form

Embrace offers accident and illness coverage in all 50 states and DC. Policies provide coverage for hereditary, genetic and congenital conditions and can be customized to fit all budgets and needs.

Embrace also offers an optional Wellness Rewards program to cover everyday veterinary care.
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60 days 1 year Lifetime
Rating 9.4 9.4 9.2
Count 80 987 5463
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Reviews of Embrace

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10/10   Couldn't take care of my dog properly without thi, 11/14/2016

Reviewed By: Jean Leavy, Recommend: Y

My husband says we have a "million dollar dobie", and he's right. Embrace has reimbursed us for:1- arthroscopic shoulder surgery,2- extensive post-op physical therapy, 3-emergency, life saving surgery for GDV (bloat), 4-physical therapy and veterinary chiropractic care for Wobblers. So our beautiful 7 year old doberman is fine.
Injury/Illness: see comments   Breed: Doberman
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Great service, 11/14/2016

Reviewed By: Silvia Giorgini, Recommend: Y

I highly recommend pet insurance. Their service is fabulous. Anytime I had a problem they have always being extremely healthful and quick in there claim processing. I already talked with many people about your fantastic service. Keep it up you are the best.
Injury/Illness: Knee surgery rehab   Breed: Labradoodle
Claim Amount: $100 - $500   Age of Pet: over 8 years
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10/10   Perfect!, 11/9/2016

Reviewed By: Jackie, Recommend: Y

I, too, was skeptical with pet insurance. Our dog is like our child, so I wanted to get a plan, but I was nervous that an insurance plan would deny all of our claims and end up wasting time and money.

I'm extremely satisfied with Embrace and have already received $150+ in the mail from them following our vet visits. Here's our story:

We purchased our plan in July of 2016. It was a "3rd birthday gift" to my dog Oliver. Strangely, we had two incidents almost immediately after we completed the initial paperwork.

Oliver came down with a bad case of dermatitis, and then shortly after he had a lick granuloma (infection due to licking). I was worried that both of these would be denied, especially since they occurred right after we finished the paperwork and received our policy plan.

We hit our deductible after the second vet visit, and everything else from there on was reimbursed via checks in the mail, including Oliver's meds. We've already received back more than $150 in vet appointment reimbursements from Embrace, and I'm more thankful than ever that we went ahead and purchased the plan when we did.

I couldn't be happier or more confident in this insurance company as a result. The claim process was super easy. I used my phone to take a photo of our vet bill, sent it to the Embrace claim email, and everything was tracked on the website. We received claim approval and checks within a week or two of the claim.

Customer service is friendly and the website portal is super easy and transparent.

Note: The initial process of receiving the policy takes some time. You need to get an exam for your pet via your veterinarian, which will not be covered by the policy itself. That takes time and effort, however once you're set up, the policy and the coverage is phenomenal.

I've already recommended this company to my parents, and would highly encourage you to check them out, as well. I couldn't be happier.
Injury/Illness: skin problem   Breed: Goldendoodle
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   customer service, 11/9/2016

Reviewed By: Linda Gibson, Recommend: Y

I have found the staff not only helpful but actually caring about my babies 2 great danes! They ask how they are when I call about placing a claim and they are always polite.
Injury/Illness: gastritis/vomiting enteritis/diarrhea   Breed: Great Dane
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   I made the right choice!, 11/3/2016

Reviewed By: Amanda Shett, Recommend: Y

I just want to let everyone know, that I was skeptical about purchasing my pet insurance through Embrace. I researched and researched for days for the best. I just happened to come across Embrace since I have Geico. From the very first login experience to my first claim, I am over the moon with how well Embrace has taken care of me and Jelly. The website is awesome and so friendly to use. Their customer service both phone and by email are extremely customer service oriented, and now a days that's hard to find with any company. I love that I can track everything online but still be able to call if I need to speak to someone. The plans are affordable, especially since you can decide on whats best for you and your pet. Keep up the great work Embrace!
Injury/Illness: Wellness   Breed: Mixed Breed dog
Claim Amount: under $100   Age of Pet: under a year
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Most Helpful Reviews

10/10   More coverage than anyone else out there!,
This is my first go round with pet insurance, and I got into it a little late in the game (after my dog was already having some health issues). Embrace was the ONLY pet insurance company I could find that would even consider covering a pre-existing condition if it was considered curable. I find that when I submit claims, they are processed within about 2 weeks, and I find that instead of finding reasons… read more

Reviewed By: Rachelle Dodson, parent of a Mixed Breed
8/10   Good reimbursements,
I am in the health insurance business - but on the people side. When choosing a pet insurance, I did NOT want a scheduled plan such as VPI has. This type of plan pays a VERY small amount on what is typically a MUCH higher claim amount. The type of plan you want is the type of plan that Embrace offers - deductible and coinsurance based on the BILLED amount. My bluetick coonhound Georgie who is only 3… read more

Reviewed By: Patty Hook, parent of a Bluetick Coonhound
9/10   Great customer service,
This is my first experience with Pet Insurance, and so far, I'm very pleased. They don't have the integrated website features that other companies have, but this is more than made up for with the very responsive customer service. Claims are processed fairly and in a very timely manner. I recommend Embrace to anyone looking for a pet insurance company. Unfortunately Embrace isn't licensed by the state of… read more

Reviewed By: Daniel, parent of a Mixed Breed
10/10   Simply the BEST!!!,
Previously we had other health insurance for our dogs. The few times we had to make a claim, we were always diappointed - where did these figures come from? How can they pay us so little? When our new Rottweiler puppy was about to join our family, I really searched for pet insurance. They all seemed the same as what we had already experienced and then I read about Embrace. The notion of actually… read more

Reviewed By: Rochelle Himes
9/10   Great Coverage, Decent reimbursement Time,
Iíve had Embrace Pet Insurance for just over a year. I have 2 of my pets insured, about to insure a 3rd. Over all, the company is great! They have awesome customer service, have never had an issue with coverage, and although pricier than others, I find it to cover more than other companies. Their wellness coverage is great, especially the new $400 planÖ perfect plan to be able to get annual vaccines and… read more

Reviewed By: Mommy of 3, parent of a Mixed Breed

Review Embrace review policy

Review Title (if you could say it in one sentence, what would you say?)
Your Review (tips)
DO tell us specifics about your pet's illness or injury
DO tell us whether you were happy with how your claim was handled

DON'T use profanity or personal insults
DON'T write in ALL CAPS
Overall Rating (1 - worst, 10 - best)    
Would you recommend this company to other pet owners?
Yes   No
Your Name

Tell us about your pet
Type: Dog     Cat
Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
Tell us about your claim
Type of illness or accident:
not sure
ear problem eye problem skin problem
cancer gastritis/vomiting enteritis/diarrhea
bladder renal (kidney) thyroid
Claim amount
Time taken to handle claim
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