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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.
Customer Ratings
60 days 1 year Lifetime
Rating 9.4 9.3 9.2
Count 153 1138 4891
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Reviews of Embrace

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10/10   Great insurance for my furry loved one!, 4/20/2016

Reviewed By: Stacey Vernon, Recommend: Y

I've only had Embrace for a few months but I am very happy with it so far. I think it's a comprehensive plan and I feel like my puppy is protected with it. It's reasonably priced and easy to manage online. They are fast to process claims. When I've interacted with the staff they have always been pleasant and helpful. Thanks for a great product!
Injury/Illness: wellness   Breed: French Bulldog
Claim Amount: $100 - $500   Age of Pet: under a year
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9/10   Professional , 4/20/2016

Reviewed By: Mark, Recommend: Y

From time to time my Boxer Cyrus, because he is so active will get injured in some way or injest something he shouldn't. Also this breed in particular causes me to check him for bumps on his skin because of the possibility it may be cancerous. Regardless of what the reason is it usually means a visit to the Vet. Embrace is Always very kind and professional on the phone and seem to really care every time I call. The processing time is very fast and the coverage for their visits are surprisingly good. Do your homework. Check all the other companies and you will find yourself coming back to Embrace every time. Thanks Embrace!!!
Injury/Illness: skin problem enteritis/diarrhea   Breed: Boxer
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   Fair Claim Reviews, 4/18/2016

Reviewed By: Laura, Recommend: Y

When our dog Molly was adopted from a county animal shelter at 8 weeks old she was a happy beautiful puppy. After she was potty trained she started having inappropriate urination while she slept. After tests ($$), it revealed she had some urine issues. She then began to have a painful mouth and bad teeth so we decided we better purchase some pet insurance for her (turns out a wise decision for us). While the urine and dental issues were deemed pre-existing and not covered, the pet insurance still proved valuable. A few months later Molly (overnight) became lame in her back legs. We were devastated. Thousands of dollars and months of testing finally revealed she has a neurologic auto immune issue. We filed a claim for this and it was denied. Embrace said it was an orthopedic issue and fell within the 6 month orthopedic waiting period (we did not complete the orthopedic waiver exam). After some back and forth and further info provided to Embrace by the doctor, the denial was overturned and the claim was paid. At just 2 years old Molly will have a long road ahead of her and we are glad we purchased the pet insurance for her. Embrace was fair with us and listened to our dispute of their claim denial. Their staff is friendly, caring and follows up. I am happy to share that Molly is doing better at this time and playing again like a puppy! Pets can be very expensive and it is wise to protect yourself with Pet Insurance as you would protect your family with health insurance.
Injury/Illness: neurologic auto immune disease   Breed: Shepherd Mix
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Great investment/ Must have for new puppy owners, 4/16/2016

Reviewed By: Angela Scott, Recommend: Y

Love, Love, Love this insurance. It is a must have for new puppy owner's. The support staff are always so helpful whenever we call and our claims are generally paid within 72hours. My only suggestion would be to give the providers (Vets and their staff) more education on how simple and easy it is to fill out the forms and what it means for their business.
Injury/Illness: ear problem   Breed: German Shepherd
Claim Amount: $100 - $500   Age of Pet: under a year
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9/10   Great Coverage, 4/10/2016

Reviewed By: Karen, Recommend: Y

We have had a wonderful experience with Embrace. Our last dog cost us a ton of money so with our new puppy we decided we had to have pet insurance. Embrace insurance came with our puppy when we adopted him from Helen Woodward Animal Shelter and we are so glad it did. He just turned 1 and after one visit to the ER we had used up our deductible and got a lot of our money back. Now every time we have to go to the vet for an illness we get a check in the mail after easily submitting a claim. I don't want this year of coverage to end, but feels good to know that each year there is a limit that we will have to pay on vet bills!
Injury/Illness: skin problem gastritis/vomiting   Breed: Mixed Breed dog
Claim Amount: $500 - $1000   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
Verify that you are a customer
I certify that I am (or was) a customer of this pet insurance company and that I have not been offered a reward, financial or otherwise, by the insurer for writing this review.

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A message to pet insurance management: please do not submit a review! We consider these submissions fraudulent and will immediately remove these from our site.

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