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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 105 796 3472
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Reviews of Embrace

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10/10   Healthy dog, despite herself, 9/16/2014

Reviewed By: Bill Storm, Recommend: Y

Our Ella provided us with a $2,000 ER bill after ingesting about 2 cups of raisins. The clinic faxed their records with the claim form, and Embrace paid most of it within two weeks. Amazingly quick, hassle-free and seamless service!
Injury/Illness: raisin ingestion   Breed: Greater Swiss Mountain Dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Glad I have pet insurance!, 9/15/2014

Reviewed By: Ashley , Recommend: Y

Adopted a lab mix three months ago and this insurance has been great! Speedy claims process and good reimbursement! We even have a few pre existing conditions but I think they are being very fair about!
Injury/Illness: gastritis/vomiting   Breed: Mixed Breed dog
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   AMAZING, and unexpected..., 9/15/2014

Reviewed By: Missy Bania, Recommend: Y

I wasn't imagining that pet insurance would cover so much, especially on a large bill that required x-rays, ultrasound, and an overnight stay at the vet on IV for my labrador retriever. It was a hefty, hefty bill, to say the least, and Embrace covered way more than I would have EVER expected. No hassle. Just submitted the claim through my vet, got an e-mail a couple days later that they were reviewing, then shortly after I got an e-mail with the amount they were covering, and very soon after that, a check was in my mailbox. I wish human insurance were like this!
Injury/Illness: gastritis/vomiting   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   So glad I have Embrace, 9/15/2014

Reviewed By: Susan Alpern, Recommend: Y

The smartest thing I ever did was to get Embrace insurance. We have used it multiple times and it has more than paid for itself. We were devastated to learn that our beloved Jack Russell had nasal cavity/sinus cancer. We would not have been able to pursue appropriate treatment for her if not for Embrace. They have come through so many times for us that I can only say, "Thank you" for doing what you promised to do.
Injury/Illness: cancer   Breed: Jack Russell Terrier
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Wasn't sure about pet insurance..., 9/12/2014

Reviewed By: Jules, Recommend: Y

I had two dogs before we got our puppy. One lived until 10 & the other until 13. One had lots of medical expenses & the other none. There was no limit to what I would spend on my pups but I struggled w/ the idea of pet insurance since my experience was split. I have been hearing some terrible stories lately about accidents/illnesses that happen to pets & I decided to get it with our puppy. I work in insurance so have an appreciation for the peace of mind it gives you but figured I would self insure for pet emergencies. I have heard too many stories recently about pet emergencies so I decided to get it & so far am happy with it. I think Embrace is a reputable company especially since my employer (a property insurance company) of 18 years has an alliance with them. It really does give you peace of mind.
Injury/Illness: ear problem   Breed: Chesapeake Bay 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

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?)
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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
DON'T write in ALL CAPS
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Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
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ear problem eye problem skin problem
cancer gastritis/vomiting enteritis/diarrhea
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