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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 9.3 9.3 9.2
Count 113 810 3347
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Reviews of Embrace

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10/10   Really, Really Good, 7/24/2014

Reviewed By: Phillip Z, Recommend: Y

So I never do these review things. I rely on them but rarely fill them out (I know ...). That being said, my dog recently passed after an illness of many months. Almost $9,000 in claims. Embrace - NEVER - questioned anything. Not a chemo protocol, a procedure, nothing. After my deductible they simply paid 90% within a week or two. I did have one of the higher level plans. After my dog died more than one customer service person reached out to share their condolences. It was not cheap coverage but in the end they delivered as promised.
Injury/Illness: cancer Mast Cell Cancer   Breed: Chihuahua
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Embrace: Stop your search they are the best!, 7/23/2014

Reviewed By: John Pazera, Recommend: Y

Service: check
Promptness: check
Follow up: check
Choice of coverage:check
Direct deposit of reimbursement:check
After having been with Embrace for over 4 years with two dogs we cannot say enough great things about this company.
We had VPI a number of years ago and they don;t even come close.
I had to constantly follow up with them about my claims and got nothing but the run around from them.
Embrace is the best!

Injury/Illness: skin problem   Breed: Golden Retriever
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   Quick and Easy, 7/23/2014

Reviewed By: Katherine, Recommend: Y

My dog ate a bunch of coffee beans and needed to go to the emergency vet. It was a life-threatening situation. We were very glad to not need to worry about cost. I few days after the visit I had the vet complete the necessary forms and submitted them via fax to Embrace. I my reimbursement electronically deposited that week.
Injury/Illness: poison ingestion   Breed: Mixed Breed dog
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Embrace is easy and efficient., 7/22/2014

Reviewed By: Tim, Recommend: Y

I put the claim in and via email embrace explained every step. My check was here in one week.
Injury/Illness: Sore knee   Breed: Goldendoodle
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   VERY RELIABLE, 7/21/2014

Reviewed By: SUSAN ALPERN, Recommend: Y

I have had Embrace insurance on one dog for about 7 years and the other for about 4. I know what to expect when I take my pups to the vet in terms of reimbursement. The company pays what they say they will in 2 weeks or less. I recommend them every chance I get.
Injury/Illness: NOSEBLEEDS   Breed: Jack Russell Terrier
Claim Amount: under $100   Age of Pet: over 8 years
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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
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Time taken to handle claim
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