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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 9.1 9.3 9.2
Count 33 621 3519
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Reviews of Embrace

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10/10   Pet Insurance... So glad I got it!, 12/16/2014

Reviewed By: Hilda Medina, Recommend: Y

This review is for overall care for my dog. The total amount is for the amount accured over the past year...

At the beginning of 2014 I decided to get pet insurance for two of my 3 dogs. The third dog has hip issues, and I didn't think having insurance would help her... I am going to add her in when I renew.

I believed I was never going to need the insurance. Boy, was I WRONG! In July, Eve, my youngest St. Bernard started vomiting blood! She's had multiple meds, multiple Dr's visits, and tests (including an EGD, with a biopsy).

The Dr. says she has IBD, and thank God... no cancer cells were found. The Dr. is hopeful some new meds might help her feel a lot better. My poor baby went from 100 pounds, down to 88 pounds. There is nothing more pathetic than a skinny St. Bernard.

She's my forever puppy. She's my helper. When she felt better, and I couldn't get up from the floor, she would come over and stand sideways allowing me to use her hips, and shoulder as leverage to stand up. How could I not help her after she helped me?

Embrace has made treating her not such a financial burden. The money I put into the insurance was the best money I could have spent. Knowing I was able to treat her... has put me at ease.

Thank you, Embrace! I am so glad I chose you!!!
Injury/Illness: gastritis/vomiting IBD (inflammatory bowel disease)   Breed: Saint Bernard
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Love Embrace and would recommend, 12/16/2014

Reviewed By: Judicious, Recommend: Y

I like everything about Embrace except one thing, choose a plan you will stick with forever, because if you don't and you want to change the % coverage or $ deductible, the entire plan you have would consider existing conditions if you had claimed anything.

Otherwise, everything is great. Service is prompt, I email all my claims via email and it's direct deposited into my bank account within a week. They review claims in about 5 business days.
Injury/Illness: skin problem bladder   Breed: Shetland Sheepdog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   Happy to Have Insurance!, 12/15/2014

Reviewed By: Rick, Recommend: Y

I have a 14-month-old bulldog who has had a bunch of small issues--UTI, some skin issues, an emergency allergic reaction (relatively minor, thankfully, though scary). Embrace was super easy--I had multiple claims, submitted from 2 providers, and everything was received, evaluated, and paid out in less than 3 weeks. Their customer service is prompt and thorough, and the direct deposit to my checking account makes reimbursements even more convenient.
Injury/Illness: multiple claims   Breed: Bulldog
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   Embrace Saved The Day, 12/11/2014

Reviewed By: Michelle Arnier, Recommend: Y

Duke, our 14 month old Great Dane/Boxer Mix we adopted was in the ER Hospital due to GI issues 3 different times within a 2 1/2 week span. After extensive tests, Duke had ate the covering off a toy and it was stuck in his lower intestine, it passed thankfully. He did not have surgery, but the vet bills accumulated to over $4500. We had just passed our starting coverage period and I was not sure Embrace would come through, but they did with no problems. We are so thankful to have Embrace Insurance, they have been a wonderful company to work with and we are so pleased with there timeliness of response in working claims. HIGHLY RECOMMENDED!
Injury/Illness: gastritis/vomiting Ate Foreign Object   Breed: Great Dane
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   First claim, 12/9/2014

Reviewed By: Jeff, Recommend: Y

I have a Great Dane, who tore his acl. This is a very expensive surgery. Luckily I had pet insurance with Embrace. But this was my first time making a claim and I had my doubts about getting my money. And at first there was a little confusion in regards to my dogs medical records (they want to see everything in his file including shot records, I orginally just sent stuff pertaining to the injury). But after I got everything sent, I received a check very quickly. I do want to add that I did call a few times to see what the hold up was, and the people I talked with were extremely nice. So the question is am I satisfied? Nice people and I got my money, so yes I am!!!!
Injury/Illness: acl   Breed: Great Dane
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

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,
Ive 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 plan 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
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Would you recommend this company to other pet owners?
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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
bladder renal (kidney) thyroid
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Time taken to handle claim
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