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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.

Embrace asks every claimant to review her Embrace experience using a link to this website, whether she was reimbursed a large or a small amount, or nothing at all. Embrace never has and never will pay for reviews.
Customer Ratings
60 days 1 year Lifetime
Rating 9.5 9.4 9.2
Count 135 1008 5712
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Reviews of Embrace

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10/10   Emergency Claim, 2/22/2017

Reviewed By: Ron Wingo, Recommend: Y

Embrace has a speedy claim process and if I have any questions regarding claims, pre-approval process they have always been willing to help.
Injury/Illness: not sure   Breed: Shih Tzu
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Trusted, 2/22/2017

Reviewed By: Jen, Recommend: Y

I've had Embrace since I got my rescue dogs almost 6 years ago and I'm so glad I did, because one especially has really needed insurance - two bouts of cancer and almost died from pancreatitis. Embrace is pretty affordable, has reimbursed me for a lot of her care, and they are really friendly and helpful to engage with - good online systems and responsive people when you need them.
Injury/Illness: not sure   Breed: American Cocker Spaniel
Claim Amount: $100 - $500   Age of Pet: over 8 years
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10/10   LOVE LOVE LOVE Embrace!!!, 2/22/2017

Reviewed By: Anil Mittal, Recommend: Y

I have had Embrace on our Mastiff for the last 4 years. Unfortunately he has been plagued with a number of chronic illnesses. Embrace has always been there reimbursing our claims with no issues at all. They are fast and SUPER friendly. We just added our new dog to our policy, fingers crossed we don't have to use the insurance.
Injury/Illness: skin problem gastritis/vomiting Wobblers   Breed: Mastiff
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Thank goodness for Embrace!, 2/21/2017

Reviewed By: Susan, Recommend: Y

I have had Embrace insurance for many years for my Scottie, and thankfully, I haven't had to use it. Now, sadly, we do, and during these tough times, Embrace is doing a wonderful job of communication; rapid claim assessment and payment; and friendly and supportive customer service.
Injury/Illness: cancer   Breed: Scottish Terrier
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   THANK YOU, EMBRACE!, 2/20/2017

Reviewed By: Debbi, Recommend: Y

I have been an Embrace customer since 2014 and am the proud mother/owner of two amazing Golden Retriever brothers. My boys (9-year old littermates) were diagnosed with cancer (different types) last year. One completed cancer treatment (surgery + chemotherapy) last November, and the other one is currently going through treatment (oral medication + chemotherapy). This journey has had its share of highs and lows, but I can certainly tell you that one of the highs has been having Embrace pet insurance to substantially help with the financial costs associated with treatment for my dogs. The process for submitting insurance claims is very straightforward, and the Embrace team is incredibly prompt with reviewing/processing claims and mailing refund checks. I am grateful for each good day with my pups, as well as for the incredible pet insurance provided by Embrace!
Injury/Illness: cancer   Breed: Golden Retriever
Claim Amount: $500 - $1000   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