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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 31 654 3508
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Reviews of Embrace

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9/10   Possible NSAID overdose, 11/25/2014

Reviewed By: Patricia McRae Baley, Recommend: Y

We thought Daphne may have gotten hold of some very out of date Rimadyl. The vet said she was fine, and the claim for her care was honored. The changes to the website and how claims being handled appeared on our end was a little confusing but we are confident it will all work out just fine once the system is completely up and running. That is the reason why it's not a 10.
Injury/Illness: possible NSAID overdose   Breed: Mixed Breed dog
Claim Amount: under $100   Age of Pet: over 8 years
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10/10   Superb, 11/25/2014

Reviewed By: Elner Aguilar, Recommend: Y

At first,I was hesitant about getting pet insurance. Then USAA recommended Embrace. I opened a policy with them for our first dog. I filed a claim and was ready to wait 2 weeks, but it didn't take embrace that ling. I still have a policy with them and would not give it up for anything pet related. I rate Embrace a 10 because 100000 is not available. They go out of their way to ensure their costumers are satisfied. They are more about quality rather than quantity. Embrace your are truly the best at what you do.
Injury/Illness: mites,shots, flea treatment, medicine prescriptions   Breed: Mixed Breed dog
Claim Amount: $500 - $1000   Age of Pet: under a year
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9/10   ACL Surgery, 11/24/2014

Reviewed By: Shawn S., Recommend: Y

Be sure to list a bank account to send money directly, I didn't do this and waited at least three weeks longer than necessary to receive my reimbursement. Apparently, my check was sent and then returned to Embrace for unknown reasons and they had to cut me another check after I called asking where my check was. I received the second check for $2809.00 two days later. When it's that much money, it matters.
The ability to check on claims online is convenient and the customer service representatives are very friendly and helpful. I would have rated a 10 but had to wait for the big check and the first person I spoke with didn't follow up with me. This is my first experience with pet insurance, although I've had Embrace Insurance for five years for my dog. I've heard very few other companies actually pay much if anything.
Injury/Illness: ACL-knee   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Exceeded my expectations., 11/22/2014

Reviewed By: Scott, Recommend: Y

I'm gonna have to rate Embrace at a 10. Embrace has covered everything they said they would. i have had to file 11 claims so far. not one issue. they process the claim rather quickly. 1-2 weeks and i have my check. i have used other companies before with previous pets and, Embrace has by far exceeded my expectations. one thing to point out. i mailed my claims in, but if you fax them it will be much faster. about a week. keep copies of the claim form in your cars so the vet can fill them out right away. i very rarely write reviews, but Embrace has earned it, 100% satisfied.
Injury/Illness: bladder   Breed: Labrador Retriever
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   My 2 year old Yorky, 11/22/2014

Reviewed By: Michael Richman, Recommend: Y

My Yorkshire Terrier called Mimi is now 2 years old. During the past years she has suffered with some minor but annoying clinical problems, such congestion, skin complaints after walking into some grass that was obviously sprayed with some insecticides that was not pet friendly. She has developed some asthmatic problems mostly allergy related. However, apart from additional health issues that I have not mentioned all these visits to the Vet are costly. Vets have no conscience when charging for medical assistance and I would like to say that instead of following a legal career I should have become a DVM. Embrace have always paid for the care as per our insurance policy guidelines and for that I am extremely happy and appreciative that they honor their obligations without question. Even though my Vet is outstanding and discount me because as I am a frequent visitor to their medical office, I still believe its a good cash business for them. So in short, I have a good DVM to go to and I have a good insurance provider and Embrace should be rated as one of he best companies to provide insurance coverage for pets; all creatures great and small.
Injury/Illness: skin problem gastritis/vomiting   Breed: Yorkshire Terrier
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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