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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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icm5950

10/21/2021
After paying premiums for almost a year I finally submitted 2 claims totally around $900. To explain a little our dog was a rescue of 3 years old . The claims were submitted on line about one about a month ago and the other 2 weeks ago. After me contacting them on line asking about the claim I was asked for medical records for the dog one year prior to us owning him! How is that possible he is a rescue? We have absolutely no idea who owned him prior. Upon telling Embrace this they referred to some small print that basically says that they hove to extend the "Illness Waiting Period" to basically the whole of the first year, just insane. I asked them to cancel and refund my total payments... Read More
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Bridget R

8/6/2021
Everything that I submitted to Embrace would get denied. After 6 months of paying for pet insurance and getting denied for everything, I just canceled. I was paying for vet bills and pet insurance and not getting reimbursed.
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Rostyslav B

7/3/2021
This is really useless pet insurance company. My dog has damaged her leg. We went to an urgent care and did an X-Ray. Embrace Pet Insurance said they need a medical history from that urgent care. I never been to that urgent care before so we had no history there. Embrace said it will take longer time to process. And they never paid the claim off. Why do I pay them if they don't do their job? I regret that I was paying them for 2 years.
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aramis4707

2/17/2021
I had this insurance for 2 years...no claims. Then my premiums jumped 150%. I was told because of my location and breed type was the reason for the increase....though both of those things has never changed since I got the insurance 2 years ago. Total BS and price gouging!! Dropped it today!!
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Lynn V

7/1/2019
I have my great dane insured with Embrace at what I consider a very high premium. She has been insured since she was eight years old and the premium has steadily increased despite my having absolutely xero (0) claims. My premium went up 35% - YES 35% in one year. I contacted the company and received NO SATISFACTION from them. I was told they increased premiums across the board by this much. THIS IS OUTRAGEOUS. I have had no claims with this company and my premium went up 35%. God help me if I have a claim with this company. I pay over $700.00 for 80% coverage and $500.00 deductible.
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Jeff L

11/28/2018
I could tell you a fantastically heart-strings tuggin' story. But I won't. It's simple. My dog MFC Bronson and I have been Embraced since day one. I have never had a claim denied. I have always received awesome customer service. Every claim reimbursement check has been received within days of filing. See? I told you it was simple.
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Rikki R

11/1/2018
I have been with Embrace fir over a year. We have 2 boxers insured. I have never had a problem with reimbursement. You submit your claim and within in a week you are refunded. Sometimes they need more medical information, but even with that the communication is wonderful. I recommend Embrace to ever pet owner. We have sick and wellness. Unfortunately we have a sicky boxer and we have made several claims this year. We have not had a problem with Embrace. Money is in my acct within a week. I am beyond thankful and impressed with Embrace.
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A
Alexandra

9/26/2018
I was really pleased with the Embrace claim experience. We had two fairly serious hiccups with our puppy within a few weeks of each other, and thanks to our amazing vet, we were ushered through the claim submission process and received our reimbursement quickly.
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B
Barbara C

9/26/2018
Embrace is the best. I have been with embrace insurance for many years with my two dogs. I have never had a problem with them paying. Such wonderful people to do business with. They are right up front with you. Love theses guys!!
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Nancy S

9/25/2018
I can highly recommend Embrace! I am very impressed. Their customer service is great and my claims have been paid and processed quickly and fairly. In fact, when I first signed up for coverage, I asked for a medical review so I could know whether either of my two dogs had any preexisting conditions that would not be covered. So I knew beforehand what would or would not be covered. My experience with them has been very positive. I am very satisfied with this insurance.
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