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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 9.4 9.4 9.2
Count 135 1160 5127
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Reviews of Embrace

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10/10   Embrace is Peace of Mind, 7/22/2016

Reviewed By: Kathy Fiedler, Recommend: Y

We purchased Embrace pet insurance when our puppy Blu was 8 weeks old with the hope that we would never have to use it for anything serious. A few weeks ago our puppy starting having serious gastrointestinal issues which caused him to be in the hospital for 3 nights. We were so thankful for the peace of mind that we had, knowing that the insurance was there for us. The claim was covered 100%, less our deductible and co-pay. What a blessing. Thank you for your wonderful customer service and product. God bless.
Injury/Illness: gastritis/vomiting   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Highly Recommend!, 7/22/2016

Reviewed By: Emily Annese, Recommend: Y

Definitely the best pet insurance! We have a 8 month old Bernese Mountain Dog who has had multiple trips to the vet with GI issues and more recently fractured her paw. Safe to say we have had some hefty vet bills. However, I'm so happy I went through Embrace for pet insurance when we first got our puppy. They make the whole process very easy with no hassle. What we signed up for is exactly what they said and never give you a hard time. The process is so efficient and you are updated every step of the claim process. If you are debating whether to get pet insurance, I'd highly recommend it because you never know what can happen to your dog. I'd also definitely make sure you go with Embrace, you won't be disappointed.
Injury/Illness: gastritis/vomiting enteritis/diarrhea fracture   Breed: Bernese Mountain Dog
Claim Amount: $100 - $500   Age of Pet: under a year
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9/10   Recommended!, 7/21/2016

Reviewed By: Ray Morita, Recommend: Y

Recently filed two claims for my cat and the processing time took about five weeks. Some of it had to do with getting medical history from my vet and Embrace's receipt of my invoices. E-mail updates would come at regular intervals. Embrace is the only pet insurance company I've worked with so I have no other basis for comparison. Overall, the customer service staff was friendly and attentive through this process. I did receive two reimbursement checks promptly after following up on these claims with them. I understand that insurance claims, in general, normally take several weeks to process and am satisfied with the results. I wasn't in a hurry to receive the reimbursement. Would recommend Embrace to other animal guardians.
Injury/Illness: gastritis/vomiting anorexia   Breed: Domestic Shorthair
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Wonderful, 7/20/2016

Reviewed By: Diane Cimino, Recommend: Y

Embrace is the best! I have an older cat who has been very sick and they have been by my side taking care of everything. They do just what they say they will do. No hidden agendas. And they pay quickly. I can't say enough good things about them. I am surely glad I had them through this difficult time. I would rate them an 11 if I could.
Injury/Illness: renal (kidney) thyroid   Breed: Norwegian Forest
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Best Pet Insurance we have ever had, 7/19/2016

Reviewed By: Delores Frisby, Recommend: Y

Our rescue dog joined our family four years ago. The first thing I did was to get pet insurance for him. We considered the company we had for our prior dog, but after some research we decided to go with Embrace. And we are so happy that we did.
Recently when our dog needed an MRI I thought, "Embrace will never cover that!" But they did. Then we found out our dog needed surgery. Again we worried that it would not be covered. But it was.
Everyone at Embrace is competent, compassionate, caring, friendly, calm and helpful. Claims have been paid in a very reasonable time. Direct deposit is terrific.
Our dog is doing well recovering at home now. He is smiling again and holding his head up. His tail wags all the time...but even when he was in great pain he never lost his "tail wag." Thank You, Embrace.
Injury/Illness: ruptured disc in neck   Breed: Cocker Spaniel
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

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.

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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.

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