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Embrace Pet Insurance Review

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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
Lynda

9/17/2018
We have been customers of Embrace since 2010 and couldn't be happier with the service we receive. Their contract of coverage is clear and concise - the legalese makes for several pages but it is easy to read. We couldn't be happier with it.
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Drinda R

9/16/2018
I filed a claim for my dog, Lizzy, and it was processed with payment sent to me in a remarkably short time. The vet told me that most companies would not cover the issue with my dog, but Embrace did. I am a USAA customer and this is an adjunct to our policy with USAA. I have told everyone I know about this company and will continue to do so.
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Judy

9/15/2018
I never had pet insurance in the past and decided to obtain it with Maddi after our previous lab tore her ACL. I am so glad I got it, as Maddi has had a health issue. Embrace has worked out great. Staff member I spoke with was very helpful and the claims are easy to complete and send in along with a copy of the vet bill. A satisfied customer
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Liz P

9/3/2018
I litterally cannot thank embrace enough. I feel they gave us a chance to keep fighting for our family member . knowing we had the comfort of the backing of embrace . !
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C
Carol

8/18/2018
Embrace is the best. One of my pups had to have an MRI and then back surgery totaling nearly $9000 also had to go the emergency vet for a fish hook embedded in her foot in the same year. We were reembersed for all except the deductible. Without this we would have been faced with putting her down due to debilitating pain and eventually paralysis. My other one had his spleen removed due to hemangiosarcoma. He is still with us almost 6 months later thanks to a great emergency surgeon, and they would have paid for chemo, but we did not want to put him through that. I would not want to be faced with taking out a loan vs putting my dogs down, pet insurance is a must, and embrace is the best.... Read More
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N
Nancy D

8/12/2018
I am thrilled with the quick response from Embrace when I recently submitted my first claims for my kitty, Capriccio. Having never had pet insurance previously, I was not sure what to expect, but the process was very easy and the company was quite responsive. I am very glad to have insurance for Capriccio and will soon be adding my newest kitty, Aria, to the policy! Thank you for making it easier to take good care of my furry girls!
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D
Deborah M

8/6/2018
a lifesaver. my lab puppy needed surgery after eating makeup wipes. I was reimbursed promptly. I dont know how I would have been able to afford it without Embrace.
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M
Merrin F

8/5/2018
My dog unfortunately developed cancer and Embrace came through with prompt reimbursements for thousands of dollars for surgery and chemo. Without Embrace, my dog wouldn’t still be here. It’s reassuring to have a company like Embrace during a difficult time. They have been wonderful.
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Jill T

8/4/2018
Embrace was there when I needed them. Thank you. I know my dogs can and will be taken care of with Embrace Insurance.
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Y
yeoperson

8/4/2018
I am glad to have health insurance for my fur people, offered through a reputable company, USAA. Over the years I've added pets, and taken them off as they pass over the Rainbow Bridge. I would give Embrace a higher rating if the claims process could handle multiple office visits in a smoother fashion. I keep having to following up every time I get no response on anything beyond the second entry on the form. I also would give a higher rating if we received rebates, some sort of rebate for unused illness coverage. Here is what I used to pay until I could no longer afford the wellness. This is sad: The total amount you were paying was $819.72 for the primary insurance and... Read More
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