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Embrace Pet Insurance Review

258 Customer Comments & Reviews - see all comments
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Embrace Pet Insurance Agency LLC is a pet insurance provider based in Cleveland Ohio that sells policies for dogs and cats. They were founded in 2003 and are underwritten by American Modern Home Insurance Company.

Embrace has an A+ rating with the BBB, consistently positive online reviews, and is known for broad coverage and fast payouts.
 
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How is Embrace rated?

Breakdown

4.5/5
Coverage
4.5/5
Cost
4.5/5
Extras

Overall Rating: 4.4 / 5 (Excellent)

Embrace gets good marks from us mainly on the strength of customer satisfaction.

Even though plans are a little on the pricier side, and unlimited coverage is not an option, customer feedback is among the most positive.

Also, Embrace offers standard coverage of many conditions and treatments not offered at all by most plans. These include behavioral therapy and prosthetics.

Embrace Coverage

Coverage - 4.5 / 5

Embrace sets itself apart from the pack in coverage because, in addition to providing for usual accidents and illnesses, the company also covers various items not traditionally offered under other companies' standard plans.

These include prosthetic limbs, behavioral therapy, and alternative treatments. Embrace also offers prescription drug coverage and a wellness plan at an additional cost.

As with all pet insurance plans, Embrace will not cover pre-existing conditions if they were apparent before the policy purchase.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 4.5 / 5

Embrace's annual maximum is also customizable, although the highest limit is lower than some other companies, and they do not offer unlimited coverage.

The lowest limit is $5000, while the highest is $15,000. This refers to the maximum they will pay for all incidents and procedures for the entire year.

If your pet requires multiple, serious procedures, or cutting edge treatment, it's possible this can be a limiting factor.
Benefit Limit Types
Annual
Annual Benefit Maximum
$15,000

Reimbursement & Deductibles

Reimbursement - 4.5 / 5

Embrace's policies are among the most customizable when compared to other companies. This includes the reimbursement model as well.

Embrace will cover anywhere from 65% to 90% of your actual vet bill. Choosing a lower reimbursement percentage will translate into lower premiums.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
65%
Maximum Percent Reimbursement
90%

Deductibles - 4.5 / 5

Embrace offers deductible options that tend to be on the more flexible side as compared to other players.

The company enables their customers to choose annual deductibles of $100, $200, $300, $500 and $1000. They also offer a program called Healthy Pet Deductible.

Every year you do not receive reimbursement from a claim, your deductible will decrease by $50.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1,000

Pricing: How much does Embrace cost?

Cost - 4.5 / 5

Embrace's policies are slightly higher priced when compared to other companies. But you can get a budget conscious plan by choosing the low annual limit and higher deductible.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$13.04
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$8.98
Rate Details: Annual Deductible: $1,000 Benefits Cap: $5,000 Reimbursement Model: 70% of Actual Cost
Available Discounts: Discounts vary by state. Discount options include, but are not limited to, a multiple pet discount of 5-10%, military discount of 5%, spay/neuter discount of 5%, annual payment discount of 5%, paying via bank account discount of 5%, and PenHIP discount of 5% (if score is 0.3 or lower).

Enrollment & Waiting Periods

Enrollment - 4 / 5

Embrace's waiting periods are pretty much standard when compared to other companies.

For accidents and illnesses, the waiting period is 14 days. However, in some states, the waiting period for accidents is only 48 hours or two days.

There is an additional six month waiting period for dogs for orthopedic conditions, but there is an option to have this reduced to as little as 14 days.

Embrace will not allow pets older than 14 to enroll in illness coverage, which some other plans do.
Min Enrollment Age
6 weeks
Max Enrollment Age
14 years
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 4.5 / 5

Embrace has some of the best feedback we've seen when it comes to customer service.

The majority of online reviews mirror generally positive experiences. To make a claim you must fill out the claim form that was included with the enrollment email.

You can also download the form on the website or have it mailed to you. The form must be filled out by a veterinary staff member. Include all relevant invoices and receipts and fax or email them all to the company.

Embrace offers direct deposit to get you the reimbursement as quickly as possible. Furthermore, beginning recently, claim forms can now also uploaded through MyEmbrace, the company's online customer account.
Claim Form
Mail
Email
Fax
Online Portal

Contact & Additional Information

Homepage URL
http://www.embracepetinsurance.com
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122
Year Founded
2003
What We’re Hearing From Our Readers
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Customer Comments

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L
Leah T

9/16/2016
Thinking about getting pet insurance through Embrace? Don't do it. They're the biggest scammers in the business. Yes, I read articles that recommended them, too. Don't believe them. I recently submitted a claim for diagnostic tests on my dog's potentially cancerous mouth tumor. Two very highly rated and trusted veterinarians said the mass needed to be tested (since something like 40% of dog mouth tumors are indeed cancerous). Both vets also recommended a tooth cleaning since the dog would be under anesthesia, anyway. I submitted my claim for the procedure, fully expecting to be reimbursed according to the terms of my policy--for the anesthesia, for the excision of the potentially... Read More
310 People found this helpful.
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H
Holly

8/25/2017
My puppy had to go to ER for acute vomiting and diarrhea. X-rays revealed foreign matter had been ingested. She ended up being hospitalized with IV fluids. The bill was $1800 and she made a full recovery. After submitting my claim, and waiting two weeks Embrace denied the claim! They said vomiting was a PRE-EXISTING CONDITION!!! All because when I took her to the vet Two MONTHS before that I mentioned she vomited once. Randomly. Because puppies do that. But it was in my two week waiting period. I had to get a letter from my vet (who was outraged) and go through an appeal process. Embrace finally paid. Don't get Embrace.
217 People found this helpful.
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M
M

8/10/2016
Do not use this insurance. I have had it for a year on four dogs of different ages. It is a really bad insurance. Their motto is protect the business of Embrace. They will not pay on anything. The number one reason is "FLATULENCE." They keep saying animals must not have any gas for a Full Year. We all know people cannot do this and to think an animal can is ridiculous. Sure you might only pay $15 or $20 a month but when nothing is covered it is a Waste of money. If I could give a negative star I would. It would accept this review without putting at least a star.
155 People found this helpful.
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M
Mark

7/7/2017
Please stay away from Embrace pet insurance. its a long story, so I'll give you the short version. We got a rescue, took her to the vet and they found nothing wrong, except for a slight problem with her knee. We waited the 6 months exclusion period and nothing got worse. Over thanksgiving she was in pain and I took her in for x-rays, her hips had deteriorated to the point of needing replaced. Our choices were put down the dog or get the surgery. I submitted to Embrace for pre-approval and they took 3 months to make the decision, which caused us to push her surgery back twice. They denied the claim, citing an observation that her first vet made, but had nothing to do with her hips.... Read More
128 People found this helpful.
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E
Erica J

1/28/2016
My puppy had a kennel cough prior to his bordetella vaccine, and prior to his coverage, which was obviously not covered. However, 5 months later, and after all vaccines, he developed another cough. He was diagnosed with a different problem than kennel cough, and was put on a different antibiotic. Embrace would not cover this because I was supposed to prove that it was unrelated to the cough 5 months prior, and because I did not have diagnostics to prove the second cough was different from the first. Even with the vet's letter stating it wasn't the same. When I asked what diagnostics I should have gotten to prove the coughs were unrelated, they could not answer the question. My... Read More
104 People found this helpful.
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R
Rebecca g

4/5/2016
LET ME JUST TELL YOU HOW TERRIBLE THIS INSURANCE IS! It is a complete money scam and they DO NOT care about the animals they cover at all. We bought this policy on a whim. 3 days later my cat actually ended up needing to be rushed to the pet emergency. Thank goodness we just got this insurance right?! WRONG not only do they have a 2 week-ish waiting period that is in fine print so small you can't even find it, they also didn't even put the policy into effect until days after buying it making the wait time even longer. Now not only will they not cover any of the emergency treatment my baby needs to stay alive but because it occurred during the wait time they consider it an pre existing... Read More
93 People found this helpful.
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D
Dogs B

3/11/2015
Buyer beware...they dont have a veterinarian on staff reviewing claims, they have non vet med claims adjusters, and they have absolutely flubbed a no-brainer claim for me, denying my dogs final death claim as a pre existing condition. My vet and the ER Vet Hospital both support my side, both in disbelief at the stretch Embrace is going for at denying my claim. There was no pre existing condition, they are trying to connect two non-related things together as a means to not pay. I'm utterly heart broken over what they are putting me though. I thought they were a reputable company when I purchased my dogs coverage ....I did my research. I'm... Read More
74 People found this helpful.
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S
Susan

4/25/2018
I have had Embrace pet insurance for over 10 years on my 3 pets. I’ve been fortunate I haven’t had to use it till last year. Our sweet Lilly had a sarcoma that would respond very well with radiation treatment. Because I had insurance there wasn’t a question of if but when can we start treatment. Lilly underwent radiation teatment 5 days a week for 3?weeks. She did very very well. A year later she is happy abd healthy. I tell clients all the time ... get pet insurance (Embrace) even if your pet doesn’t need it right away there will come a time when you and your pet will be thankful you have Embrace. The service is excellent! Caring, professional and quick to respond to questions... Read More
55 People found this helpful.
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S
susa a

5/4/2018
disgusted was a client forb3years and i missed one payment and they cacelled my coverage when i called tonreinstate they cancelled my wellness they are thieves dont trust them
48 People found this helpful.
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3/9/2016
Bad company! They lie about coverage.
48 People found this helpful.
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Unlimited Reimbursement at Any Vet

  • Covers Illnesses, Conditions & Accidents
  • Add Dental & Prescription Coverage
  • Wellness Plan for Routine Check-ups, Grooming & Training
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