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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 9.1 9.3 9.2
Count 44 567 3636
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Reviews of Embrace

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10/10   Great choice, 3/2/2015

Reviewed By: Liz, Recommend: Y

We have two new puppies and this wellness plan is great. We took them to the vet on 02/24 and faxed in the claims and they have already been processed and our money will be in our bank account by tomorrow, couldnt ask for more
Injury/Illness: Wellness visit   Breed: Dachshunds
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   Never own a large pet without insurance, 3/2/2015

Reviewed By: Jeff, Recommend: Y

Embrace has made dealing with our pets illness so much easier it is so hard to deal with a sick pet especially when you have large bills and embrace has been a lifesaver thank you I highly recommend embrace
Injury/Illness: gastritis/vomiting   Breed: Great Dane
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Great Plan and Savings!!, 3/2/2015

Reviewed By: Zach, Recommend: Y

My wife and I were originally skeptical of pet insurance, but Embrace came highly recommended by our vet. The customer service is wonderful and they are very helpful in explaining the process and what needs to happen in order for us to get reimbursed. Our puppy ran into issues with eating things he was not supposed to and we have saved hundreds of dollars on procedures that were covered! In all it's a great plan, especially with a puppy.
Injury/Illness: gastritis/vomiting enteritis/diarrhea   Breed: Poodle
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   Embrace helps through tough times!, 3/1/2015

Reviewed By: Ashley, Recommend: Y

Last year, Sophie, my 6 year old Pomeranian started limping right before our big move from Texas to California. Stressed about the move and now worried about my fur-child, I knew Soph needed to be seen immediately! Her regular Vet ensured that it was a luxating patella, which is common in Pomeranians, but to keep an eye if the limping persists. Sure enough, as soon as we arrived to California, it had gotten to the point that Soph wasn't even using her left hind leg at all. I took her in for X-rays and next I'm scheduling Soph for surgery later that week. Everything had happened so fast!

Four months post-surgery - Sophie was doing okay, but still not using her left hind leg. It broke my heart, I just wanted my fur-child back to her happy self. I had Soph taken in for Physical Therapy 2 times a week for 2 months. With a lot of time and a lot of patience, Soph is finally using her left hind leg now.

It has been a long process, but I am thankful Sophie is doing better now. Thanks to Embrace, their insurance coverage has been able to make all of this possible for Sophie!
Injury/Illness: Cranial Cruciate Ligament Tear, Medial Luxation of Patella, and treating Post-Surgery Leg Lameness   Breed: Pomeranian
Claim Amount: over $1000   Age of Pet: 1 - 8
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8/10   Good communication and a good result , 2/25/2015

Reviewed By: Julie, Recommend: Y

My Golden Retriever became ill, vomiting and diarrhea - took her to our vet and they ended up keeping her overnight and giving her an I.V. My first submission for a claim was denied actually, but they explained what I needed to do to "appeal" the claim; that is, provide more information from the vet, which I did. Once I sent the additional required documentation, the claim was then approved and paid. So, at first I was dissapointed that the claim was denied but then they worked with me to turn it around. Thanks.
Injury/Illness: gastritis/vomiting   Breed: Golden Retriever
Claim Amount: $500 - $1000   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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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