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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 9.0 9.3 9.2
Count 97 535 3784
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Insurer Website

Reviews of Embrace

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8/10   Quick and professional service, 5/21/2015

Reviewed By: Gene Bisson, Recommend: Y

Embrace stood out from the many other companies that I researched. The plans covered many of the items that could be needed. I think having a yearly max pay out versus a lifetime cap is a real benefit.
All my contacts with them are handled very well and done in a professional manner.
Injury/Illness: New Policy   Breed: Havanese
Claim Amount: under $100   Age of Pet: 1 - 8
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9/10   Simple, speedy, responsive, great. , 5/20/2015

Reviewed By: Nathan, Recommend: Y

In the short amount of time I have had embrace, it has been great. My dog had some serious injuries almost immediately after signing up and instead of heckling me to avoid paying out for health care, they were very anxious to ensure I was covered for what was needed. Claims are extremely simple and payout is very fast.

Truly a top notch company and business model to ensure customer loyalty and satisfaction.
Injury/Illness: Ligament   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Amazing!, 5/18/2015

Reviewed By: Rachel R., Recommend: Y

Embrace has been a pleasure and dream to work with. They make insurance so easy and everyone who works for the company has also been great. They give me peace of mind that my dog will be taken care and provide amazing customer service to boot!
Injury/Illness: gastritis/vomiting Pain, lethargy   Breed: Cockapoo
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   This insurance really works!, 5/18/2015

Reviewed By: Lada, Recommend: Y

I am so excited to have completed my first claim within two weeks of insuring my furry baby, and the process was truly as promised! Within minutes of my vet faxing the claim and receipt, I got a confirmation email and then a couple more with the status. And my status was 100% reimbursement! It is a relief knowing I have found the right insurance that I can count on :)
Injury/Illness: routine wellness exam   Breed: Domestic Shorthair
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Great experience with Embrace, 5/18/2015

Reviewed By: Ken Nanus, Recommend: Y

Our beloved golden retriever has a unusual diagnosis of Small Intestinal Bacterial Overgrowth. She takes an antibiotic every day to enable her to digest her food properly. She has been licking herself a bit obsessively lately so she's made several visits the last few months. Embrace has covered all of her expenses without any problems. I wish the health insurance for us was as easy!
Injury/Illness: skin problem   Breed: Golden 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

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
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Tell us about your pet
Type: Dog     Cat
Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
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cancer gastritis/vomiting enteritis/diarrhea
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