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Embrace Pet Insurance

4530 Richmond Street
Cleveland, OH 44128
phone: 800-511-9172
claim form

Embrace offers accident and illness coverage in all 50 states and DC. Policies provide coverage for hereditary, genetic and congenital conditions and can be customized to fit all budgets and needs.

Embrace also offers an optional Wellness Rewards program to cover everyday veterinary care.
Customer Ratings
60 days 1 year Lifetime
Rating 9.3 9.2 9.2
Count 53 472 3796
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Reviews of Embrace

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10/10   Embracing Embrace, 6/23/2015

Reviewed By: Michele Struble, Recommend: Y

My recent claim submission to Embrace was met with an extremely quick turnaround time, no issues, and hopefully a check in and within another short period of time. I am grateful to have found such a professional and efficient insurance company for my Bear. From the policy renewals and other positive and helpful communications to the streamlined claim processing, I'm just glad I chose Embrace years ago.
Injury/Illness: skin problem   Breed: Newfoundland
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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8/10   Appreciate this coverage, 6/23/2015

Reviewed By: Steve Fisher, Recommend: Y

We do K9 search and rescue. We're volunteers and bear all expenses for ourselves and our precious partners. Having this coverage has benefited us and allows us to use resources to defray other expenses. By covering the bills for Izzy's infection, Embrace is helping us help others. Thanks Embrace.
Injury/Illness: vaginitis   Breed: Golden Retriever
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   great turnaround time, 6/17/2015

Reviewed By: Kim R, Recommend: Y

I have never filed a claim for my pet before and my first experience was a good one for sure. the wellness claim for is simple to complete and the turn around time on the claim review is terrific. I work for an insurance company and although I do not work in claims I would rate the response time as excellent.
Injury/Illness: dental cleaning   Breed: American Shorthair
Claim Amount: $500 - $1000   Age of Pet: over 8 years
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10/10   Best Decision I Ever Made!, 6/17/2015

Reviewed By: Betty , Recommend: Y

I have a dachshund and I got Embrace pet insurance because they cover "breed specifice" illnesses. Dachshunds are very prone to back issues (IVDD) and I wanted to make sur that the pet insurance I bought would cover back surgery since it is very costly. I decided to get covered after hearing my neighbor's story with her dachshund in February 2015. Luck would have it that MY dachshund ended up having three slipped discs because of IVDD in April 2015 and needed back surgery. The surgery cost me $6,000 but Embrace covered 80% of it.

I was extremely afraid that Embrace would reject my claim for some ridiculuous reason, but they did not! They honored the claim and processed it within a week. Excellent company and worth the money to buy the insurance!
Injury/Illness: IVDD   Breed: Dachshund
Claim Amount: over $1000   Age of Pet: over 8 years
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4/10   Unusually slow, 6/17/2015

Reviewed By: Lee, Recommend: Y

Prior claims were settled quickly. This clam was a filed in mid March, after numerous phone calls & faxeds, it was settled in mid June!
Injury/Illness: Irritable bowel disease   Breed: Saint Bernard
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
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
Verify that you are a customer
I certify that I am (or was) a customer of this pet insurance company and that I have not been offered a reward, financial or otherwise, by the insurer for writing this review.

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