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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 80 757 3362
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Reviews of Embrace

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9/10   Smart Choice for Pet Insurance, 8/21/2014

Reviewed By: Barbara C, Recommend: Y

If you're going to have pet insurance, you have to make a smart choice and have the right amount of coverage. Embrace has proven it was the best choice for us. Our puppy has had chronic gastro problems since she was adopted so we've had to submit multiple claims. No problems with claims being covered and when they needed more info--they contacted my vet directly. Always give very quick responses. Awesome customer service.
Injury/Illness: gastritis/vomiting   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: under a year
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8/10   GREAT insurance!!, 8/21/2014

Reviewed By: Lee Isdell, Recommend: Y

Extremely fast. Pays as promises (for the level you sign up for). Excellent Customer Svc (usually via Internet, although phone works too). I obtained the "optional" "Wellness" Health paid for itself.

I'll renew
Injury/Illness: ear problem Wellness coverage   Breed: Bernese Mountain Dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   This Pet Insurance Company is the One You Want!, 8/20/2014

Reviewed By: Charlie Thorn, Recommend: Y

This company always exceeds my expectations when it comes to filing a claim and reimbursing me. Also, if you sign up for direct deposit... you will have your claim disbursed into your account the next business day! My dog had a malignant tumor in his torso the size of a golf ball - which had cost me almost $2000 to have removed. I'm expecting my first child in a couple of months, so receiving a reimbursement was vital now more than ever and Embrace did just that, quickly too!
Injury/Illness: cancer   Breed: Rottweiler
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Fast result , 8/20/2014

Reviewed By: Hayley MillsReese, Recommend: Y

We have recently switched pet insurance companies and are amazed at how quickly our first wellness claim was processed. In the past our other insurance claim was emailed, then it took approximately 10 days for any explanation, or payment, with embrace I received an email saying our claim was received and the very next day another email explaining the results of the claim. I am impressed.
Injury/Illness: Wellness appointment   Breed: Labrador Retriever
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   I switched from 24Petwatch, and I'm so glad I did., 8/19/2014

Reviewed By: Audrie, Recommend: Y

Dollar for dollar, Embrace is the clear heavy-weight among the choices for pet insurance.

I was fed up with 24Petwatch because of the terrible customer service, the auto-denial of claims, and the pittance they did offer as reimbursement when I was finally able to wrangle it out of them.

My policy for my two dogs with Embrace is only $9/month more, and it is worth every penny. The customer service is outstanding. I wish they could train every customer service agent for every industry. We would all be a lot happier.

I just got my first reimbursement check today for my dog's annual wellness visit (I pay the extra $14/month for routine care), and I received a 100% reimbursement! The check came less than 2 weeks after my vet faxed in the claim form.

I could not be happier with Embrace. Seriously, if I could kiss them I would.
Injury/Illness: Check up   Breed: Mixed Breed dog
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
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Would you recommend this company to other pet owners?
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Your Name

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Type: Dog     Cat
Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
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Type of illness or accident:
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cancer gastritis/vomiting enteritis/diarrhea
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