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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 9.3 9.2 9.2
Count 199 725 4234
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Reviews of Embrace

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9/10   Surprised it wasn't a headache, 10/8/2015

Reviewed By: Alex , Recommend: Y

You hear insurance and think nightmare, but working with Embrace was surprisingly easy and their coverage is fair enough. I'd recommend.
Injury/Illness: Heartworm Treatment   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Great experience!, 10/8/2015

Reviewed By: Donald, Recommend: Y

Our ten month old golden retriever decided to eat a bone whole. The claims process was easy and timely. They even went as far as to contact our vet for us to request the necessary documentation to expedite the process. I highly recommend this service to all pet owners.
Injury/Illness: swallowed an entire bone   Breed: Golden Retriever
Claim Amount: $100 - $500   Age of Pet: under a year
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8/10   Thankful I got insurance and glad I chose Embrace, 10/8/2015

Reviewed By: Lorraine, Recommend: Y

My experience with Embrace has been very professional and the clarity of their claims are remarkable. I have filed 2 claims for my Rottweiler that have been addressed promptly. I am very glad I have pet insurance for peace of mind and Embrace made that happened.
Injury/Illness: ACL   Breed: Rottweiler
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Lightning fast claim processing...!!, 10/7/2015

Reviewed By: Gerald Phillips, Recommend: Y

I took my cat Socrates to the vet for his regular check-up and a nail trim. He is so uncooperative that he has to be sedated for the nail trim (he's a big boy, 19 lbs and stronger than me!) He also had periodic blood work done and I turned in a claim for the Wellness side of my Embrace policy on Saturday. I was notified that the entire $142 was covered and that the claim was complete. I'm just waiting for the $142 to show up in my bank account. It doesn't get any better than that!
Injury/Illness: No illness/accident - Wellness claim only   Breed: Domestic Mediumhair
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Claims made easy, 10/5/2015

Reviewed By: Kevin Creegan, Recommend: Y

I have filed three separate claims within the last two months. My experience could not have been better.
Injury/Illness: skin problem enteritis/diarrhea   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
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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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