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Embrace Pet Insurance

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

An Ohio-based company offering customizable pet insurance in all 50 states. For every policy sold, Embrace donates $2 to a pet-related charity.
Customer Ratings
60 days 1 year Lifetime
Rating 9.2 9.3 9.2
Count 73 614 3608
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Reviews of Embrace

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10/10   Thank you Embrace, 1/26/2015

Reviewed By: Pavlushka Figuereo, Recommend: Y

I am very pleased with Embrace Insurance. I have had them now for the past two years and have been fortunate to never having to use them. That all changed this year, my cat Teddy injured his tail. I know that any one who has a pet would do whatever it takes to make them better to almost no end. Sometimes that can be costly, and can make you feel like you are underwater with no where to go. But not me. No, thanks to Embrace, quick claim response and awesome sauce customer service I was able to do what was needed to make my cat feel better. I cannot say enough good things about you all at Embrace. I have been telling all my friends with pets, you cannot go wrong with Embrace. Go on, let them Embrace you!
Injury/Illness: Tail injury   Breed: Mixed Breed cat
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   l, 1/23/2015

Reviewed By: Gail A., Recommend: Y

The staff was always helpful and courteous. although I needed to call three times to be sure that the claim was being handled.
Injury/Illness: cancer   Breed: American Staffordshire Terrier
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Embrace is the BEST, 1/22/2015

Reviewed By: Amanda Meriwether, Recommend: Y

Embrace Pet Insurance - what can I say about this company? They are supportive, responsive and phenomenal. They truly care about me and my pet. I recommend Embrace to all dog owners that I meet - they really helped us out when our 6 year old Spanish Water Dog was recently diagnosed with ITP - Immune-Mediated Thrombocytopenia - a disease where the body attacks its immune system. Bruiser needed life saving treatment, twice, and would not be here if it was not for Embrace's excellent coverage which made a very expensive treatment affordable for us.
Injury/Illness: auto immune disease   Breed: Portuguese Water Dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   First pet insurance I have ever purchased., 1/21/2015

Reviewed By: Donna Randall, Recommend: Y

When my vet suggested I purchase pet insurance I did lots of research on pet insurance companies. Embrace is the company I decided to try. I have had three claims so far, and Embrace has paid exactly what they stated they would. I was concerned that I would pay in more money than I would ever receive back, because my Old English Bulldogge has bad hips, knees, and allergies and I knew these items would be eliminated from any possible claims. It gives me peace of mind that as my puppy gets older - I'm sure more issues will need care. This is a great loveable breed, but at least in my case - lots of care needs. I would never give her back. She is a very important member of our family. My vet faxes the insurance claim right to Embrace - so when I leave the vet office - I know that my claim will be sent. I received the three checks by mail - but have the option of having it sent directly to my checking account if I choose.

So far, I'm very happy with Embrace. In my case, I hope I never have to use the insurance again, but if I do - I have it.

I'm impressed so far.
Injury/Illness: ear problem skin problem   Breed: Old English Bulldogge
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   Flexible and Helpful, 1/21/2015

Reviewed By: SHELDON, Recommend: Y

Great company....initial claim was partially paid. Upon discussions Embrace reversed their earlier decision and paid the entire amount in my favor. This showed a flexiblity and common sense approach that overcame what might have been a bureaucratic headache.

Kudo's and high marks. Rating would have been a 10 if claim was resolved a little faster.....may have been delayed with the holiday tho.
Injury/Illness: ear problem WELLNESS   Breed: Labrador Retriever
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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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

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

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

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

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

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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