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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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petluv177

1/25/2020
I cannot say enough good things about Embrace. We have a now 12 years old cat, Callie, who has had multiple health problems including dental , ear infections and inflammatory bowel disease. Embrace has always paid my claims usually within two weeks. If I did not have this insurance I do not know I could afford the vet bills!! We rescued Callie when she was 5 years old and has been a wonderful sweet cat.
1 People found this helpful.
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Kelli C

7/27/2019
My dog had a bacterial ear infection and coverage was denied because she had a "slight" yeast ear infection when she was spayed, they only found it because of the surgery. It was a pre-existing condition because they said it was a dermatological condition and anything dermatological would be excluded because of the "slight" ear infection she had as a puppy. Also, she had a uti and had had vaginitis when she was a puppy, so the coverage was also denied. So basically if there is anything in the area, or that could possibly be related to the symptom, they will deny it as pre-existing. Also, we tried to cancel and they didn't cancel and we had to fight them about getting our money back for... Read More
1 People found this helpful.
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S
Sandra

3/16/2019
I am a huge fan of Embrace. I've read the other comments, and here is what you need to know to avoid most of those issues: 1. Sign up and pay for your polilcy. Embrace then alllows you 30 days to submit your pet's medical records and vet info and have Embrace review them. The process is called Medical History Review. Embrace will assess whether your pet has any pre-exisiting conditions and if so how long and which benefits will be excluded. I had one pet who had an exclusion for skin issues for a year. If you don't like the assessment, you can cancel your policy for a full refund. If you continue, getting your claims processed will be faster and there will be no surprises. 2.... Read More
1 People found this helpful.
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Evette P

12/1/2018
Promptly received my reimbursement (within 30 days) for routine pet exam without having to file/mail any paperwork. My vet submitted the bill online, and that was it.
1 People found this helpful.
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Bryan R

9/25/2018
I have the pleasure (most of the time!) of owning 2 Siberian Huskies. These dogs are constantly doing things that land them at the vet. You guys are punctual, for the most part, when it comes to acknowledging a claim receipt. I would prefer to know sooner and maybe get a phone call every so often...thank you!
1 People found this helpful.
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Deborah W

9/11/2018
I love Embrace Pet Insurance. My indoor cat was attacked by my daughter's indoor cat and almost had to have her tail amputated. Luckily, she did not, but my vet bill totaled a little over $1K. I only had to pay 20%. The claims are done online and the check is in your mailbox in about 2 weeks. Customer service is great too! There's always a live person to talk to on the phone without the long wait. Keep up the good work Embrace!
1 People found this helpful.
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Eileen L

8/27/2018
Embrace went above and beyond. My first claim to them ever was a big one. I had to put my dog to sleep. In a time of mourning and grief, I was not only thankfully reimbursed for the claims submitted, but I was sent a personalized card from the staff sending their sympathies for losing Bella. It meant so much. I am very happy I switched over to Embrace for my pet insurance.
1 People found this helpful.
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M
Michael

8/19/2018
Having a somewhat long experience with Embrace encompassing 2 dogs, and serious final illnesses resulting in the eventual death of each, I am a fan of the company. I was able to make what I felt were the best medical decisions with much reduced concern for the financial side of those decisions. Thank you.
1 People found this helpful.
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S
suZ

8/18/2018
I have a 10 year old and a 5 year old fur babies. I feel I am compensated fairly for my 5 yo, but my 10 yo is at the vets more for more chronic issues that are not covered as well. That is my only complaint.
1 People found this helpful.
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J
Jennifer

8/16/2018
My dog has had insurance coverage by Embrace for a few years now. I have not had to file a claim until this year. The process was extremely easy, and everyone was nice and helpful when I had to call customer service to ask a couple of questions about the process. After the claim was filed, I was correctly and promptly reimbursed. Thank you, Embrace. Yahtzee is feeling much better, and so is my wallet.
1 People found this helpful.
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