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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 9.3 9.2 9.2
Count 170 571 4049
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Reviews of Embrace

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10/10   My Embrace coverage for Henry the Beagle, 8/16/2015

Reviewed By: Jim Monestero, Recommend: Y

Henry was diagnosed with cancer of the anal gland and is currently being treated. Embrace has been excellent in receiving and processing all of the claims. They have even checked to see if I have received my claim payments! I have spoken with an Embrace representative and they have patiently gone over them with me and also explained how I can access this information online! I am impressed with this company and have given many recommendations to friends as well as strangers at the Vet hospital while waiting during Henry's chemo treatments! I appreciate doing business with companies that "keep their word" and follow through with what they promise when seeking your business. Thank you Embrace for being there when Henry and I needed you!!!!!
Injury/Illness: anal gland tumor   Breed: Beagle
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Surgery for Removal of foreign body, 8/16/2015

Reviewed By: Kathy, Recommend: Y

My dog had eaten non food items (probably due to an irritable bowel condition) that were stuck in her stomach. She had to have them surgically removed. I am grateful to Embrace for its coverage which saved her life. During the surgery a small mast cell tumor was found that was also removed. Embrace has aleays covered all the claim amounts as I expected, no surprises, and I have always been reimbursed promptly.
I am a satisfied customer.
Injury/Illness: gastritis/vomiting   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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8/10   Overall, a good experience. , 8/16/2015

Reviewed By: Kathleen, Recommend: Y

My puppy has been having a lot of GI problems recently. Embrace has covered most of them, which I am grateful for! The only negative thing I have to say is I had to appeal most of those claims as they came back rejected the first time. Most of the claims were eventually covered, but I did not like that I had to appeal so many of them when they came back as covered no more than a couple days later. Otherwise, I've had an overall great experience with embrace and would recommend them to anyone I know with a pet.
Injury/Illness: gastritis/vomiting enteritis/diarrhea   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: under a year
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10/10   fast and easy refunds!, 8/15/2015

Reviewed By: Kristi & Anthony of Seekonk, Recommend: Y

Embrace is a great company. This is my second year with them and my Ella was injuried while she was protecting our house from an intruding animal. Without her bravery I would have lost my cat too. She had 2 emergency surgeries to repair her face and thankfully did not lose sight in her eye. Embrace paid her claim within days of submission. Her $1,000 vet bill only cost us about 500 after our deductible. Glad to report Ella is back to her amazing self. And with the wellness rewards her annual visits and preventative flea, tick, and heart worm medications are refundable up too our max of $400 a year. It's a great help to save your pets life.
Injury/Illness: wild animal attack   Breed: Dogue De Bordeaux
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   One of the BEST things I ever did for my dog!!🐾🐾, 8/15/2015

Reviewed By: Hanna, Recommend: Y

I am so grateful that I bought embrace pet insurance, it's one of the best things I ever did for my dear dogs well being. The first couple years it almost seemed silly and was joked about by friends and family. Now, that my pup is getting older , like us, life just happens! When he has had something it's the best feeling knowing I have embrace pet insurance there in our one jokes now, they actually ask where I found out about it! Thank you Georgetown vet,who told me about it!
Injury/Illness: not sure   Breed: Poodle
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

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.

We have zero tolerance for fake reviews!

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.

While we support your efforts to encourage honest feedback from customers, we encourage you to submit information here