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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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Todd B

2/2/2017
I had a very bad experience with Embrace Pet Insurance. I purchased insurance in May 2016 and had my first incident in December of 2016 when I had my dog at the vet for vomiting and diarrhea. My claim was denied because they felt he had a preexisting condition that was possibly chronic because he had been to the vet 6 months earlier with the same core symptoms. They didn’t identify it as a preexisting condition until after I filed the claim and they reviewed his records. I understand preexisting conditions and I may be to blame for not reading my policy completely. I do think, however, that it is a questionable business practice to allow you to continue to pay premiums when you... Read More
9 People found this helpful.
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S
Susan C

2/23/2019
For several years I have had had 2 dogs insured by Embrace. The customer service and speed of claim payment is exceptional. Unfortunately, there is no cap on premium increases. At renewal this year my coverage for 2 8-year old dogs went from $118 to $175. They are unable to tell me how much the premium might increase as my dogs get older. They actually told me there is no cap on pet premium increases in my state, and are unwilling to make a corporate commitment to keep premium increases reasonable. At this rate of increase my monthly premium will be over $846 by the time my dogs are 12-years old. This is unreasonable.
8 People found this helpful.
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M
M C

1/26/2017
This pet insurance is horrible. My cat got a urinary blockage and they went back over a year in his records to conjure up a pre-existing condition. My claim and appeal was completely denied. Don't trust them when they say they go back only a year in your animal's health records. That is an "alternative truth" aka complete lie. I cancelled my insurance.
8 People found this helpful.
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T
terrie r

12/19/2016
I got a policy 3 months ago and after 3 months they sent me a letter saying they would not cover certain things. After much time on the phone I cancelled my policy and ask for my money back. This was after they basically put me through hoops with extra things like orthopedic exams (that I paid for) and the vet said the dog was fine orthopedically. Beware of this company, while my dog is perfectly healthy now, my thought is they will find a reason not to pay if something were to ever come up.
8 People found this helpful.
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Barbara C

11/30/2016
BEWARE! Only gave 1 star bc I couldn't give 0 (zero). This company is always ready to find an excuse to not pay. Undue stress with every claim. Extremely expensive monthly premiums (300.00 for two dogs) for the amount of aggravation you go through over EACH claim! Very slow in processing and they DON'T do their job. Say they send requests to vets but when you call the vet the vet tell you they were never contacted. Horrible customer service. Can never get a manager. Nothing but a constant argument. Horrible! Horrible! Horrible!
8 People found this helpful.
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Gilbert R

3/26/2019
My pair of schnauzers just turned 9 and have been insured by Embrace since they were 3. I just received their annual renewal notice and the premiums for them have jumped 62% in just a single year, from $500 apiece to $800 apiece. This is unacceptable! I have not made any large claims, and in fact, have not reached the deductible threshold for them to actually payout, in this past year. I am very disappointed with them. I have calculated that I can self-insure my pups and will benefit from not having to submit claims again...
7 People found this helpful.
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T
Tammy H

5/27/2018
We’re so grateful for deciding to sign our dog, Luna up with Embrace Pet Insurance. Luna is a sweet and beloved member of our family and knowing we have the resources to take care of her medical needs greatly reduces the stress involved with large medical bills. Embrace Pet Insurance has made filing claims and receiving reimbursement checks super easy. I tell everyone I know that has a pet to invest in pet insurance. It literally has saved our pet’s life. Tammy Hunsucker
7 People found this helpful.
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J
John

5/25/2018
Embrace provided fantastic support for my dog's surgery. They are always courteous and knowledgeable when I call their customer service. They paid the claims quickly and without fuss. If only my own health insurance was this smooth! Highly recommended to all pet owners!
7 People found this helpful.
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J
Jmb

5/1/2018
I became a dog owner last May and bought insurance from Embrace immediately. Much to my surprise, just two weeks ago, my small dog was viciously attacked by two large dogs. She underwent emergency surgery for three puncture wounds: one to her leg and two in her abdomen. Luckily, no internal organs were damaged. After two nights in the hospital, she came home. I sent the claim forms into Embrace within the first two days of her being home and the claim was immediately reviewed and accepted. Within a week and a half, I received a check from Embrace. The company’s service could not have been better or more efficient. I am grateful I had Embrace insurance to cover the majority of the... Read More
7 People found this helpful.
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D
Dustin a

12/5/2017
Next time a customer is in duress, explains to you numerous times that they don’t have any money to pay out of pocket and can’t afford a large hospital bill don’t tell the customer “you’re covered” tell them how much is covered; even if this means repeating the percentage covered multiple times. Take into consideration that the customer is likely about to lose a member of their family and they don’t need “you’re covered” only to receive a $3,000 bill (copay). Have the intestinal fortitude to tell them in a compassionate way that no matter what, you will pay “X” percentage of this bill. Personally, I believe your customer training and/or language is in need of a serious... Read More
6 People found this helpful.
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Unlimited Reimbursement at Any Vet

  • Covers Illnesses, Conditions & Accidents
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