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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 9.3 9.4 9.2
Count 73 893 5818
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Reviews of Embrace

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10/10   Dutch Claim_Thank you, 3/20/2017

Reviewed By: Gurinder Johnson, Recommend: Y

Thank you for processing our claim in a very timely manner. This was our first claim and we are very satisfied. We truly appreciate all your help and taking care of our pets. This gives us satisfaction that in time of need you will take care of us and our pets.

Thank you - Johnson's
Injury/Illness: Lab Test   Breed: German Shepherd
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Thank goodness for Embrace!!, 3/20/2017

Reviewed By: Laura lyons, Recommend: Y

I cannot thank Embrace enough for the excellent coverage and timely service we received for all THREE (yes, three) claims we have had in the past year! Our dog needed major surgery as well as coverage for two other unexpected medical bills and Embrace covered all three (to the tune of almost $7,000!). We could not be happier with their service and highly recommend them to all pet owners!
Injury/Illness: Surgery for torn ACL   Breed: Labrador Mix
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   East of doing business, 3/20/2017

Reviewed By: Patrick Farley, Recommend: Y

I've had a policy with Embrace for 5 years now. It has been very easy to file claims and review their statust. It has been worth every penny spent on the premium. I'd recommonend Embrace for sure.
Injury/Illness: skin problem   Breed: Soft Coated Wheaten Terrier
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Wow... and thank you!, 3/20/2017

Reviewed By: L, Recommend: Y

We were new customers to Embrace, and shortly after we became eligible to submit claims, we had a horrible coincidence take place - our cat, Kali, had to be rushed to the vet. We never thought we would end up using the insurance so soon, as our cats were relatively healthy outside of some ear stuff and dental issues.

Originally, we thought that her swollen toes and odd behavior were the result of an injury since she's a clever kitty who had recently learned how to crawl inside our couch! So when we discovered the problems with her toes, we rushed her to the vet, thinking that it was a recent injury. This was the start of a 2-month long journey for Kali that started with a near-amputation of her toes that was canceled last minute after an EKG scan found a tumor in her chest. We received a referral for an oncologist who recommended surgery to remove the tumor. We found out that the condition on her toes was known as pemphigus and we suspected that she might have cancer. We were told by several vets that the likelihood may be high. Thankfully, the tumor was a benign one but the pemphigus would remain possibly for the rest of her life. The good news is that the tumor's removal means that her condition is much more mild than it was with the tumor in her, which means that the medications that she's one now are limited and therefore not nearly as debilitating as they might've been with higher doses.

Through this very stressful time in our lives, when we thought we might lose our cat, we were so thankful for the Embrace insurance. I was almost certain that we might not receive coverage, being new customers, and due to some stories that I have heard about other pet insurers. However, Embrace was with us all the way. All claims were processed within a timely fashion & they even checked in with us during this time to see how we were doing. The website and submission process makes it very easy to submit claims & track them, and I love seeing the breakdown of what was covered.

I'm so thankful for Embrace. Because we were in a position to make the best choice for our cat's quality of life, Kali now is much healthier than ever, and we hope to have many more years with her. I will never have an animal that I can't cover through Embrace.
Injury/Illness: pemphigus   Breed: Domestic Shorthair
Claim Amount: over $1000   Age of Pet: over 8 years
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9/10   Great Service, 3/18/2017

Reviewed By: Janice Noll, Recommend: Y

Our 5 year old dauchshund had emergency back surgery in January 2017. In the turmoil of not knowing if Chuli would ever walk again, Embrace made it easy to make our claim and covered 80% of his $6000 surgery as well as some physical therapy. Four months later Chuli is walking and happy again. Thank you Embrace!
Injury/Illness: Blown back disc   Breed: Dachshunds
Claim Amount: over $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

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