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Embrace Pet Insurance

23625 Commerce Park, Suite 150
Beachwoood, OH 44122
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 9.4 9.1 9.1
Count 81 806 3138
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Reviews of Embrace

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10/10   Speedy claim processing that blew your mind!, 4/22/2014

Reviewed By: Yang Yao, Recommend: Y

My dog had a major emergency surgery for foreign body ingestion. The total vet bill was $4700. As soon as I submitted my claim, the Embrace claim staff pretty much stayed in touch with me everyday to let me know if they need any more information. It turned out we needed to have my dog's prior medical history record from the vet (up to one year before the policy start date). This is a standard requirement by Embrace that I just did not get to it when I signed up. As soon as they got the information, my $4700 claim was processed the next day with no questions asked. It was so fast and so hassel free that it really blew my mind. I will definitely go around and tell everyone about Embrace. I am so glad I have my pet covered by Embrace. There are other cheaper policies out there. But nothing beats a quick claim processing! And I actually shopped around a lot before I signed up with Embrace. Given the amount of coverage, flexibility of choosing your plan based on your need, and now I know how quickly they process claims, I would say Embrace is the best. VPI probably is the worst ! Thank you Embrace for saving my dog's life!
Injury/Illness: gastritis/vomiting   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Bravo Embrace!, 4/18/2014

Reviewed By: Donna and Annie Liptak, Recommend: Y

This is my first time buying any type of insurance and I love the peace of mind that I got from having Embrace and their customer service by my side. We have a 9-week old miniature poodle named Dottie. She just had a very delicate surgery and Embrace has been there to help enable our dog to be a viable light in our family. We have a very limited fixed income, being senior citizens with four teenagers and two dogs. Without Embrace helping to defray the medical bills. I'm an anxious mom and needed the hand-holding that the Embrace provided. I have already recommended this insurance to other customers at the vet and will definitely continue to recommend it and keep it. As soon as I get back on my feet financially, I will get it for my 2 year old Springer Spaniel, Brownie, so I can have the peace of mind and sleep at night. Thank you, Embrace! Definitely recommend!
Injury/Illness: gastritis/vomiting Intestines, shots, fleas, heart-worm, anal glands, nail clipping, prescription food, etc   Breed: Miniature Poodle
Claim Amount: over $1000   Age of Pet: under a year
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10/10   Still Happy, 4/18/2014

Reviewed By: Diane Leight, Recommend: Y

I have been with Embrace for over four years now and am still pleased with the quick service and and when I am re-imbursed the check goes quickly by direct deposit to my account. Any questions are always answered right away and I love getting the monthly newsletter. I would rate Embrace overall as the best darn Pet Insurance anyone could have and always recomend to others.
Injury/Illness: ear problem   Breed: Dachshund
Claim Amount: under $100   Age of Pet: 1 - 8
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10/10   Extremely fast service regarding claims., 4/16/2014

Reviewed By: Karin Schiltz, Recommend: Y

I am going on my 2nd year of having Embrace Insurance and I have nothing but praise to say. They are extremely quick on their responses regarding claims and just as quick on the refunds!
Injury/Illness: vacanines   Breed: Bernese Mountain Dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Happy As Ever With Embrace, 4/16/2014

Reviewed By: Erin Overstreet, Recommend: Y

Laura Bennett and her team are always quick to respond and very helpful. Claims are a hassle free process and they make sure they follow up every time. Many times, I submitted a claim and forgot about it but Laura has always checked to see that I got the refund for the Wellness claim. If you are thinking about adding the Wellness program to your insurance policy--do it! You spend $300 to get $400---which is absolutely doable with a pet that needs check-ups, shots, dental, flea and tick meds, etc. Love this company and would HIGHLY recommend it to anyone needing wellness or regular insurance for their pet.
Injury/Illness: Booster Shots- Wellness Claim   Breed: Shih Tzu
Claim Amount: under $100   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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