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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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Marisella W

5/16/2017
I love not having to worry about the bill if something happens to my fur baby. I know embrace has my back!
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Bruce G

5/11/2017
What an incredible service. Our Golden Retriever required complex emergency care. Unfortunately, he did not survive. We submitted claims for the very expensive medical care. Within 2 days Embrace sent us a response, covering over $4000 of our claim. Embrace is an incredible bargain, compared to the cost we would have incurred without this insurance.
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Holly T

5/11/2017
I am very pleased with my experience with Embrace Pet insurance. The staff members are very helpful and pleasant on the phone. I appreciate that they communicate every step of the way via email. I especially appreciate the email outlining my cat's pre-existing conditions for me so that I will know what to expect and not be surprised with future claims. Thank you Embrace!
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Scott M

4/26/2017
This company has never lived up to expectations. Every chance they have to walk away from a claim, they walk. And when they do pay a claim, it's not very timely. I just received a claims check from a procedure that was done in October of last year. There has to be a better insurance company to protect our pets.
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Catherine C

4/20/2017
I am so pleased with the human and humane response I have had with Embrace. I often toll people on my walk about the complex where I live. Embrace the best !!!!
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K
Keshia

4/19/2017
On to our third surgery with our fur baby and Embrace is always so easily accessible and great to work with. Called customer service recently on more information about our upcoming survey and they were so nice and empathetic. I've had very genuine experiences every time. Thank you guys!
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Nona S

4/19/2017
I have been with Embrace for over seven years and could not be more pleased. The compassion, dedication, and efficiency of the staff is unparalleled. Regrettably, multiple surgeries have depleted my annual allotment for this year, but I look forward to resuming our relationship next year. Human insurance companies could learn a lot from Embrace and the world would be a much happier place.
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M
marsha

4/18/2017
My dog has been insured with an Embrace accident and Illness policy for several years. The first benefit afforded to us was a deductible reduction of $150 when she had been claim free for 3 years. When my dog turned 9,she suddenly started to have one issue after another ,and Embrace was there with 80% coverage after our deductible was met. My dog has had chronic urinary infections, chronic disc disease even after surgery and dry eyes among other things.We also got coverage for acupuncture and physical therapy, Service is prompt and courteous and customer service people are easy to reach by phone or email. Coverage is not limited by illness diagnosis but by total claims and ,at... Read More
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Grace Y

4/12/2017
So far, so good! Embrace has honored claims and been a great company to work with. I'm very happy we signed up for their service!!
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Robert C

4/10/2017
Best decision for my dog and I to purchase embrace pet insurance. i know going forward that every decision for my pet will be based on her needs not on my finances. The benefit of knowing Embrace is there is invaluable and if you love your dog like I love mine pet insurance is a must have expense for peace of mind. Make sure you follow all recommendations by Embrace to ensure you know what is covered or not. This is an honest company and their personnel are top notch.
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