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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 9.6 9.3 9.2
Count 112 965 4610
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Reviews of Embrace

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10/10   Pet insurance that stands by its 'claims'!, 2/3/2016

Reviewed By: Susan, Recommend: Y

Maxxi (2yo Maine Coon male) was rushed to emergency room (having "explored" a garbage can and swallowed two 48" shoelaces). He had emergency surgery and we didn't know how involved it would be as he was looking pretty bad.

The "Embracers" at Embrace pet insurance were lovely human beings. Empathetic and positive. Just what you need at a trying time in your pet's life.

Needless to say, ALL claims were honored completely as promised, and paid promptly (even better) through direct deposit! I never used pet insurance before (and regretted it then), but the financial stress lessens knowing you won't be paying out large amounts of money at an already stressful time.

We almost lost him and he is now doing great! I don't know what more anyone could expect of a pet insurance company. I did a lot of research and comparison shopping before signing up (as I do), and felt I made the best choice for me.
Injury/Illness: Ate two 47" shoelaces ... really.   Breed: Maine Coon
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Very fast and compassionate, 2/3/2016

Reviewed By: Leslie, Recommend: Y

Really appreciate the clear communication, quick turnaround of claims and adjustments, and caring emails from staff. Very glad we chose Embrace.
Injury/Illness: renal (kidney) broken nail   Breed: Australian Cattle Dog
Claim Amount: $500 - $1000   Age of Pet: over 8 years
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10/10   Good insurance plans., 2/2/2016

Reviewed By: Deborah West, Recommend: Y

Embrace was very helpful and nice about any questions I asked. I have an older cat so I was very thankful I could get some type of insurance on her to help with bills should she ever become ill. Because I believe in doing everything I can to help my cat, as long as I can pay for it!
Thanks Embrace,
Deborah West
Injury/Illness: Constipation   Breed: Domestic Shorthair
Claim Amount: $500 - $1000   Age of Pet: over 8 years
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10/10   Great insurance, 2/2/2016

Reviewed By: Lori, Recommend: Y

I am so happy that we have Embrace. They are prompt, efficient and courteous if you need to call them.

Injury/Illness: Torn ACL   Breed: Havanese
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Excellent Customer Service, 2/2/2016

Reviewed By: Mac McGinley, Recommend: Y

Each time I have submitted a claim I have received the response very quickly and when eligible for a payment it has been processed and mailed within a week. It is also very easy to track the claim status online. I am very pleased with Embrace insurance for my active Labrador puppy.
Injury/Illness: soft tissue injury shoulder   Breed: Labrador Retriever
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