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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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Robyn M

6/18/2017
Excellent customer care. Thank god i have insurance! It was very reasonably priced. My kitten has a pre-existing condion, but my animal hospital told me to just submit every bill and history and see what they choose to cover. It has actually been in my favor every time!! I get a lot back from them for everything my kitten needs! The only thing I wish Embrace was better at was sending my animal hospital the checks instead of myself. My animal hospital is great, by that they use the check first and then bill me. I have signed their waiver and sent it multiple times to Embrace to pay my animal hospital instead of myself for my coverage, but they still dont follow directions! Hope they get... Read More
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Francie S

6/8/2017
My dog tore her cruciate ligament and needed TPLO surgery. In addition, the x-rays showed she had a luxating patella that needed surgical intervention as well. Had I not been able to count on Embrace to quickly reimburse the majority of surgery costs, I'd have found myself in a very bad position financially (especially because I lost my job a couple weeks later). I have been telling every pet owner I know that insurance is a necessity, not a luxury and that based on my experience with Embrace, that they should consider them before looking into other options. The coverage through Embrace allowed me to give my beloved girl a pain free life without having to make major sacrifices in order to... Read More
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Barbara H

6/4/2017
We have 3 cavalier King Charles spaniels covered by Embrace Pet Insurance. We have been so pleased by the coverage they offer. They are easy to communicate with and with their pet portal it's always easy to keep up with. No problems filing claims and quick responses. We recommend it to all our pet friends.
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Alyssa

5/31/2017
I decided to get pet insurance for my golden after the loss of my german shepherd to cancer. He was already 7 so I was worried, but Embrace gave me a great price and you cannot beat the customer service. To make their service even more exemplary, when my golden passed away in May 2017 to leukemia, the kind staff sent me a condolence card and lit a memorial candle in his honor. This company goes above and beyond just pet insurance. I will 100% be coming back to Embrace when we are ready to add a new pup to our family again.
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Kim C

5/31/2017
When searching for pet insurance for my three large breed dogs, I looked at probably a dozen providers. I chose Embrace because their premiums were reasonable, customer reviews were overall very positive, payment options were simple, and their website straightforward and easy to navigate. The factor that was most responsible for my decision, however, was the fact that Embrace did not automatically exclude coverage for orthopedic care for large breed dogs. Read the fine print on most other providers -- nearly all of them do not cover orthopedic care for certain breeds of dog. Their policy language was also very clear on what might be considered a pre-existing condition. On May 11,... Read More
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Cindy C

5/30/2017
I have happily had an insurance policy with Embrace for over 10 years for my maltipoo dog. The policy really gives me piece of mind in that I know I will have coverage for unexpected problems. They handle claims quickly and fairly. If I have any questions, their representatives are very helpful and knowledgeable and have been easy to work with each time.
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Andrea F

5/28/2017
Fast payment, easy claim filing and no hassles at all - wow!
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Monica J

5/24/2017
I adopted my dog from a foundation that re-homes retired military working dogs and contract working dogs. My dog had no prior health problems was in incredible shape could scale a 6 foot wall and run faster than any dog I had ever seen in my life he is a pure bred shepherd with incredible hips and saw a veterinarian on a monthly basis during his time working for the government training as a explosive detection dog. Within a couple of weeks of adopting him I made the decision to put him on an insurance plan with embrace pet insurance even though it seemed like there was a very slim chance that this dog would ever have any kind of health problems. Quimby quickly stole my heart and my couch... Read More
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Joe M

5/23/2017
We have had Embrace for seven years now. We have got a 180 lb English Mastiff that weve had from a pup, Embrace is right on top of informing you when they get a claim to let you know that they got it and its being processed. Embrace gets right in touch with you about the claim after its been looked at. Not once have weve been denied a claim in seven years and were talking about a 180lb Mastiff here. Embrace also has a wellness plan separate from the medical plan that covers yearly phisicals, that to is a very helpful plan. Seven years ago I looked into pet insurance for our boy and I looked at over 12 pet plans and we decided with Embrace. Our boy just went through torn acl surgery and... Read More
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joemcconaghy

5/23/2017
The main reason I like Embrace Pet Insurance is the fact that they answer the phone and actually talk to you and answer your questions and are very courteous. You don't have to keep pressing numbers and wait for someone to talk to! The coverage for my dog is excellent and the process time for claims is very fast. I will continue to use Embrace for Stella (now insured) and any other dogs we may have in the future! Karen McConaghy
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