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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 9.1 9.4 9.2
Count 88 985 5585
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Reviews of Embrace

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9/10   My dog is alive becuse of Embrace, 12/27/2016

Reviewed By: Maryann Watkins, Recommend: Y

My friends used to make fun of me for purchasing pet insurance for my Boxers. And, usually, there's been little need to use it. I was accused of "wasting money." My friends aren't saying that anymore.

Ivy, my 6.5 year old Boxer, was diagnosed with dilated cardiomyopathy, left-side heart failure, and ventricular arrhythmia. Yes, that's pretty horrible and it will take her life. But with proper medical care and medication, her life can be extended and the quality of life can be maintained. Embrace Pet Insurance has allowed me to give her the medical care she needs - and the medications. All of that is very expensive and way more than a retired teacher's budget can handle.

Embrace has paid all the claims in a very timely fashion. The reimbursement is made directly to my checking account so that makes it even quicker. The yearly premium for Ivy has been paid several times over, so it has been invaluable - and worth every penny. She's been pretty darn healthy up until this diagnosis but all it takes is one such diagnosis and pet insurance makes sense.

I've done business with two other pet insurance companies and neither one was worth a hoot. Embrace has been super. The staff is knowledgeable and helpful. And the claims are paid with no hassle. I heartily recommend Embrace - Ivy is still with me, still bringing joy to my life - because of Embrace.

The reason I rated a 9 instead of a 10 is that I've had trouble with the Embrace website a few times, and had a credit card mix up a couple years ago. So ... not perfect but the next best thing.
Injury/Illness: heart   Breed: Boxer
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Great service, Highly Recommended, 12/27/2016

Reviewed By: Steve, Recommend: Y

Great customer service, they keep you up to date on the status of everything via email. This is our first dog, and we were not sure about getting insurance. After plenty of research we decided on Embrace, and could not be happier. Peace of Mind, worth every penny.
Injury/Illness: gastritis/vomiting   Breed: Cockapoo
Claim Amount: under $100   Age of Pet: 1 - 8
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10/10   Wonderful!, 12/27/2016

Reviewed By: D. Schanel , Recommend: Y

I had VPI with another one of my dogs. I decided to shop around when I got a new puppy. Embrace was simply the best plan out there. Better coverage options at much better price. I would never not have pet insurance for any of my furry kids and I won't go any where but Embrace.
Injury/Illness: not sure   Breed: Border Collie
Claim Amount: under $100   Age of Pet: 1 - 8
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10/10   Embrace gives me peace of mind!, 12/26/2016

Reviewed By: Micaela, Recommend: Y

I am very happy with Embrace. I never knew about pet insurance until after my brother had problems with his two dogs and ended up spending thousands of dollars. After everything he went through, he recommended I get embrace in case I ever needed it. My dog is only 4 and was completely healthy. Several months after purchasing the insurance she started collapsing. I thought it was seizures and took her to the vet, only to discover that she'd developed a heart problem. Thousands of dollars later, I am very happy with embrace and recommend them to everyone. I feel like I can take care of my dog and give her the medical attention she deserves. One thing I would recommend though is getting the medical history review right when the insurance is purchased. I feel like this would speed up the first claim, as it takes awhile for them to get records and review everything after the first claim is submitted.
Injury/Illness: Heart problem   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Peace of mind, 12/26/2016

Reviewed By: Brett L, Recommend: Y

I had to cancel my previous pet insurance when they refused to cover any of the $1500 vet bill incurred when my dog (then a puppy) was poisoned. VPI cited a coding error on behalf of the Emergency Vet and I couldn't get either one to help me resolve the matter.
Needless to say, I was pretty skeptical when looking for my next insurance. Embrace has been nothing but a breeze to work with. When my 8 yr old Golden got cancer, at first I was worried that they wouldn't cover this or that, but much to my pleasant surprise, they covered everything, no questions asked and I had a $100 deductible credit for having not met the deductible the past year or two. Every time I called, the representatives were helpful, kind and supportive.
When my boy passed, they "lit a candle" on the website one month for free. This was a touching gesture, but not as touching as the personalized card signed by five employees that I received after canceling my policy.
This company is amazing. I will absolutely use them again once I get another fur baby.
Injury/Illness: cancer   Breed: Golden Retriever
Claim Amount: over $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
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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.

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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.

While we support your efforts to encourage honest feedback from customers, we encourage you to submit information here