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Embrace Pet Insurance

4530 Richmond Street
Cleveland, OH 44128
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 9.2 9.3 9.2
Count 60 725 3489
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Reviews of Embrace

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10/10   wellness and injury claim quickly expedited, 10/22/2014

Reviewed By: Theresa, Recommend: Y

Embrace was very fast and efficient in processing a claim for both a wellness visit and for an injury.
Injury/Illness: wellness/foot injury   Breed: Greyhound
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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4/10   Don't Embrace Embrace, 10/22/2014

Reviewed By: Sheare Bliss, Recommend: N

I tend to believe that we all experience people/companies/customer service differently, and that one person's glowing review will be another person's miserable experience. This is one of the latter; I chose Embrace precisely because of some glowing reviews I had come across. Timing or events, however, conspired, and by the time I was able to file a wellness claim, they had apparently upgraded the software they use to process claims. Instead of the 5 to 10 days, it has nearly been thirty days, and I am entirely fed up. Since I rescued two cats from a kill shelter, I needed the wellness reimbursement to enable other bills to be paid and unfortunately, all I got were excuses about the upgrade. I then came across a series of extremely negative reviews about reimbursements and coverage, complete with contact numbers for the Attorney General of the relevant state and the Better Busienss Bureau. I wrote, politely, to cancel the policies on the 15th. I just received an email giving me a head's up that they hadn't gotten the ACH payments canceled because, per the author of the email, I had only canceled last night. To say that I am livid would be an understatement. IF the payments are processed, which is actually likely, I will also end up paying overdraft fees because, thanks to not having been reimbursed, I had to pay out of pocket for my two cats who WERE covered, as well as more out of pocket care for the rescued kitten, who needed her second immunization. If you go with Embrace, speak to a human being and then get everything nailed down in hard copy. I am so not impressed, and even when I first expressed the urgency of getting the claims processed in the promised 5 to 10 business days, I got zip reassurance or action.
Injury/Illness: Wellness, immunizations   Breed: Domestic Shorthair
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Get Your Pet EMBRACED Today!, 10/21/2014

Reviewed By: Jennifer Sahli, Recommend: Y

We have been loving pet insurers since we were adopted by D-O-G ("dee OH jee") the English Mastiff and quickly switched to Embrace Pet insurance because of these types of online reviews (I did some research!) and their excellent coverage plans. THANK YOU for Embracing him (and us) all these years! He's been one happy and healthy (and spoiled!) pup ever since.
Injury/Illness: not sure   Breed: Mastiff
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Great Comfort!, 10/20/2014

Reviewed By: Donna Paz, Recommend: Y

Two of our three dogs (one goldendoodle, the other a labradoodle) were both treated for eye infections. The visits involved extensive diagnostic testing at the vet's office as well as medications. Both claims were filed and paid well within the two-week turn around period. Such comfort to know that cost is never an issue when caring for my dogs.
Injury/Illness: eye problem   Breed: Goldendoodle
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   great health benefit for your per(s), 10/19/2014

Reviewed By: Trina, Recommend: Y

We unfortunately had a house fire where four pets were trapped inside. We were not at home. We received a call from a neighbor who informed us of the house fire. We rush home to fine our two dogs in the front yard on their doggie beds. One deceased, one survivor. Thankfully the Clark County Fire Department made an attempt to rescue our pets from the house. Sadly, we lost a dog, a cat and an bird to smoke inhalation. Our surviving dog, Hank, a german shepherd, suffered sever smoke inhalation and was taken to the veterinarian for smoke inhalation, He was in very bad shape and I was afraid that we would lose him too. A large veterarian bill would have been more than we could have afforded at that time of the fire. Fortunately, We have Embrace insurance and the worry of a large medical bill was the least of our concerns. At the time we purchased Pet Insurance, I admit, I had wondered how wise a purchase it would really be. Since the fire I am convinced it was as important as purchasing health insurance for anyone in my family. Hank was in the hospitalized for ten days. Thanks to the great skill of our veterarian and Embrace, we were able to bring Hank home.
The security of knowing that a large pet medical bill would be covered was the best part of Embrace Pet Insurance. The bonus was the reimbursement check we received from the medical claim. We use the money to have a electronic pet door installed when our house was rebuilt. The monthly premium payments are worth the sacrifice to insure that my Pets will receive the best medical treatment.
Injury/Illness: respiratory/lung damage from smoke inhalation because house fire.   Breed: German Shepherd
Claim Amount: $500 - $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

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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