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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 9.4 9.4 9.2
Count 114 988 5679
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Reviews of Embrace

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10/10   100% ABOVE AND BEYOND AWESOME!!!, 2/15/2017

Reviewed By: Patricia Diolazo, Recommend: Y

We never had pet insurance before, Embrace staff helped us all the way through the process graciously! Everyone we've been in contact with has been very understanding and extremely compassionate. The claims are handled fast and with the direct deposit - WOW! My new girls are rescues and were quite neglected and very sick - now they're happy, healthy little monsters! THANK YOU!!!!!!
Injury/Illness: soft tissue injury due to puppy energy   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   WOW!! Very impressed! , 2/15/2017

Reviewed By: Amy Davis , Recommend: Y

I just submitted my first claim less than a week ago. Just received an email that my claim was received, approved and a check issued. I appreciate the ease of filing a claim and the simple process. Much easier than human insurance!! Thanks Embrace!
Injury/Illness: Wellness claim   Breed: Dachshund
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   Transparent, honest and no baloney, 2/15/2017

Reviewed By: Robert Kahn, Recommend: Y

Came around to Embrace when my dog was already a senior, and wish I'd found them sooner. Now in second year of policy on my 11-year-old lab, and after several transactions I can definitively say they are an excellent company. I like that I had a list in hand of excluded pre-existing conditions when we started, and I like that they've kept their word about coverage without some of the shenanigans other companies have trotted out. Thought their annual premium increase was reasonable, and they are always fast to respond to questions. Best of all, I don't get e-mails about how they're delaying a claim pending additional paperwork. More pet insurance companies should follow their lead.
Injury/Illness: Bronchial illness   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Awesome!, 1/23/2017

Reviewed By: Lisa Ott, Recommend: Y

I'm recommend embrace to everyone I meet!
The insurance coverage they provide is better than my own health insurance!
People are amazed at what they provide and how little it costs to give your pet their own policy.
We rv a lot,, so it is with peace of mind that we travel knowing our fur baby is covered anywhere at all times in the event of anything happening!
Injury/Illness: Wellness check   Breed: Australian Cattle Dog
Claim Amount: under $100   Age of Pet: 1 - 8
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9/10   Embrace Pet Insurance-Well Worth It, 1/23/2017

Reviewed By: Meredith, Recommend: Y

I have had Embrace Pet Insurance for four years. Unfortunately I have used it now twice. The first was a knee reconstruction on my Head and not only did they pay the claim after the deductible, they got additional bills from the vet and paid those even though I had not submitted them.

This time two GSD got into Ibuprofen and the bill after one week at the emergency vet was $5600 Embrace paid $4407 of it and made it possible to continue the care they needed so as to reduce the possibility of kidney failure and keep my girls alive.

When you wonder about $400 a dog per year PLEASE remember these stories. I could not afford (although I would find a way) to care for my GSDs without stress if it were not for this company.
Injury/Illness: Ibuprofen Poisoning   Breed: German Shepherd
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