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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 50 548 3658
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Reviews of Embrace

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10/10   Saved me a ton of money, 3/25/2015

Reviewed By: RuthB, Recommend: Y

I have a lovely young chow girl who had slipping kneecaps and moderate entropion, where the lower eyelids roll inward to scar the corneas. She also managed to stab her cornea with a tiny twig or rose thorn. Embrace has really come through for us. Hopefully from now on . . .her second birthday is in two weeks, she will be healthy. . . Except for the congenital cataract on the one eye! Embrace is worth every penny.
Injury/Illness: eye problem Kneecaps also   Breed: Chow Chow
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Excellent insurance , 3/25/2015

Reviewed By: Kristy, Recommend: Y

Great coverage, fast reimbursement,I never have any issues with this company. Very good and will recommend to every pet owner.
Injury/Illness: TPLO of Knee   Breed: Rottweiler
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Thorough review with sound results , 3/24/2015

Reviewed By: Dale, Recommend: Y

Very thorough review of case. They had to get a year's worth of medical records with another vet in the affiliated group. Their request took over 30 days to be responded to delaying informing me. Once I asked what I could do to help was able to close the lop.
Injury/Illness: gastritis/vomiting   Breed: Great Dane
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Very Thankful for the Insurance!, 3/24/2015

Reviewed By: Patty Hook, Recommend: Y

As soon as I adopted my Georgie from the shelter, I added her immediately onto my insurance policy with Embrace that insured my other dog, Lucy. In the very early morning of 2/15/15 (a Sunday), Georgie yelped out in pain as she jumped off the couch. I knew something was wrong and when I checked her, I noticed her stomach was bloated and painful. I immediately got dressed and rushed her to the emergency vet hospital. They took her back and said she had sludge in her gall bladder and needed surgery. I told them to do whatever they needed to do. About 2 hours later they called me to tell me that when they did the ultrasound on her, they saw that she was bleeding internally because her spleen had ruptured and there was a tumor on the spleen which they thought was hemangiosarcoma - a deadly cancer. They said if it was hemangiosarcoma (which 70% of the time it is), she would have at most 6 months to live. Without the surgery, she would die in a day or so. I told them to do the surgery. They told me most people put their dogs to sleep when they hear the possible diagnosis. I'm not most people. My dogs are my family. She pulled through the surgery and they removed her spleen, the tumor and her gall bladder. I was devistated at the thought of her dying in such a short time but we wouldn't have the biopsy results back for a week. She was released the next day with staples running almost the entire length of her stomach but she was eating and drinking and recovering well. That Friday night, I got a call from the vet's office to let me know that they had biopsied the spleen, tumor and gall bladder and there was NO cancer in ANY of them!! She beat the odds!! The surgery was $4,500 but it was easy to make the decision to do the surgery knowing that Embrace would cover it. On 2/25/15, I had my reimbursement from Embrace in my checking account!! That's faster than my own personal health insurance!! I have seen posts on facebook in the past week from 2 other dog owners about the same symptoms/disease/cost and they put their dogs to sleep because of it. I'm glad that I decided to go with the surgery and play the odds because now I hope to have my Georgie for MANY years to come!! Thanks Embrace for being there and handling things so promptly!!
Injury/Illness: ruptured spleen, tumor   Breed: Bluetick Coonhound
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   An Essential Part of Pet Guardianship, 3/23/2015

Reviewed By: Lara, Recommend: Y

Embrace has been a lifesaver for me in dealing with my rescue dog's non-healing corneal ulcer. While the claim was initially denied, their decision to accept the claim appeal based on my vet's analysis was very fair and since then they have paid every line item from every invoice, responded quickly and compassionately to all my questions and pre-certified Boca's surgery. I was even able to make arrangements for the insurance to pay the vet directly. My first claim payment was direct-deposited into my bank account nine days after submitting the invoice (all the rest of the pre-surgery charges went toward my deductible). I really don't know what I would have done without the insurance and will always consider it an essential part of pet guardianship. You just never know what can happen - I considered Boca my "low-risk" dog and so put her on a high-deductible plan, and ended up having a multi-thousand dollar claim within the first year. I'm so thankful that I was able to make treatment decisions for her without feeling constrained by finances.
Injury/Illness: eye problem   Breed: Mixed Breed dog
Claim Amount: over $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

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

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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
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Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
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