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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 9.1 9.2 9.2
Count 125 794 4364
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Insurer Website

Reviews of Embrace

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10/10   Very satisfied with all, 11/7/2015

Reviewed By: Joan Bancroft, Recommend: Y

We have enjoyed doing business with Embrace. Very satisfied with speedy payments.
Injury/Illness: we didn't know she just started crying and gagging.   Breed: Mixed Breed cat
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   First Embrace claim review, 11/6/2015

Reviewed By: Christophe, Recommend: Y

My great pyrenee was attacked by two German sheapered on the lose and was bitten by the eye and flank. We took him to emergency who took care of the dog and filed our claim with embrace. That was it! A few weeks later our check was in the mail. Easy and fast.
Injury/Illness: Accident dog fight   Breed: Great Pyrenees
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Lifesaver , 11/5/2015

Reviewed By: James Inaldo, Recommend: Y

Jewel was sick and required x-Ray and urine test which cost over $400. In addition my dog required a follow up test costing extra expense. Embrace insurance paid and processed my claim and was reimbursed in a short amount of time without hassle.
Injury/Illness: renal (kidney)   Breed: Bichon Frise
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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1/10   Selected the wrong pet plan, 11/5/2015

Reviewed By: Jc, Recommend: N

Been getting nothing but those dear John letters from embrace Seem like anything is pre-existing to them Paid over $2000 for breathing condition my dog is having but since the Doctor That overcharges me mention dog coughing in a previous exam nothing is covered paid over $2000 for breathing condition my dog is having but since the Doctor Who over charges me mentioned dog coughing in a previous exam nothing is covered. I selected embrace because of its affiliation with USAA insurance Needless to say my opinion of USAA decreased I really don't care that USAA is a military affiliated company they didn't do me no good. By steering me to embrace
Before you get into any health insurance plan for your pet send that company the pet records within the cancellation period. And ask them to tell you which they consider pre-existing that they will not cover in the future. Let them tell you upfront before they start taking your money then telling you the Bad news after you paid for the plan for a few months
Not recommended
Injury/Illness: Breathing nothing covered by embrace   Breed: Yorkshire Terrier
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   I wish our health insurance was as good!, 11/4/2015

Reviewed By: Tripti, Recommend: Y

Our experiences with Embrace have always been first rate. They do what they say they will, are always prompt and easy to work with, and are superb in communication and follow-up. If only they covered humans... ; - )
Injury/Illness: renal (kidney)   Breed: Mixed Breed cat
Claim Amount: $100 - $500   Age of Pet: over 8 years
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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