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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 54 735 3372
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Reviews of Embrace

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9/10   Great Service, 9/2/2014

Reviewed By: Bob, Recommend: Y

New to pet insurance after spending lots of money on our last dog that had cancer and needed Chemo & Radiation treatments. Fast response time on the claims. Submitted three Wellness claims for the past year and all three were paid. Great customer service.
Injury/Illness: Wellness treatments   Breed: German Shorthaired Pointer
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Chloe and Embrace, 8/30/2014

Reviewed By: Debra, Recommend: Y

Chloe recently developed a UTI and was in some pain. We had to take her to the 24 hour emergency vet since our vet was closed. Then we had to take her to our vet for the check up. Embrace handled the claim excellently and we received our check promptly which helped a lot. And Chloe feels great. Thanks Embrace!
Injury/Illness: UTI and accompanied rash, etc.   Breed: French Bulldog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Confused, 8/29/2014

Reviewed By: betty grauer, Recommend: Y

I thought the wellness & Illness were two different claims.He had his wellness check up a few months ago.This claim was due to sickness,Poor boy was throwing up & crying as if in pain,Could you please explain difference in the two types,Meaning Illness & wellness.I have always been happy with this insurance just not sure of the difference between the two now.I've never used the illness plan before.

Thank you Betty Grauer
Injury/Illness: gastritis/vomiting   Breed: Maine Coon
Claim Amount: $100 - $500   Age of Pet: over 8 years
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10/10   Very Prompt Service, 8/29/2014

Reviewed By: Janice, Recommend: Y

Embrace's Claim Service is always very prompt. The claim representatives are always very courteous and answer any questions I have.

Thanks Embrace!
Injury/Illness: wellness   Breed: Mixed Breed dog
Claim Amount: under $100   Age of Pet: under a year
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10/10   Very Happy with Wellness Rewards Plan, 8/29/2014

Reviewed By: Xanthe, Recommend: Y

I purchased the Wellness Rewards Plan in addition to my insurance, since I knew I would make up the cost and get my money's worth no problem (I get a monthly dose of Revolution for my cat.) For this particular claim, I submitted receipts for Revolution and a fecal exam and was refunded the full amount I asked for with no hassle at all. If you don't mind waiting a couple weeks for everything to process, and if you actually remember to submit your receipts (I just emailed them along with the form), then it's totally worth prepaying for additional Wellness coverage!
Injury/Illness: wellness   Breed: Domestic Shorthair
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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