Is Embrace Pet Insurance Legit: Outline, Contacts, Services, Quote, Claim & Policy

Is Embrace Pet Insurance Legit: Unleash Confidence.

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Navigating the Legitimacy of Embrace Pet Insurance.

Is Embrace Pet Insurance trustworthy?

If you’re a pet parent, providing top-notch care for your furry friend is crucial. However, vet bills can be expensive, and the unpredictability of accidents or illnesses adds to the concern.

This is where pet insurance comes in—an animal health insurance that can cover various veterinary care costs.

Given the multitude of pet insurance companies, determining the right one can be challenging.

How can you ensure a company is reliable, trustworthy, and offers the best value for your money?

This blog post aims to address these questions by reviewing one of the prominent pet insurance providers in the US:

Embrace Pet Insurance. We’ll delve into its history, products, services, pros, cons, and more, providing you with a comprehensive understanding of the legitimacy of Embrace Pet Insurance.

Company Overview

Embrace Pet Insurance, established in 2003 by Laura Bennett and Alex Krooglik, MBA students from the Wharton School of Business, envisioned a pet insurance company offering comprehensive coverage, personalized service, and a hassle-free claims process.

Their mission included making a positive impact on the pet community by supporting animal welfare organizations and promoting responsible pet ownership.

Presently, Embrace Pet Insurance stands as a leading company in the US, insuring over 500,000 pets and having paid more than $200 million in claims.

Headquartered in Cleveland, Ohio, the company boasts a team of over 100 employees, including licensed agents, claims specialists, and veterinarians.

Brian Macias, who joined in 2017, serves as the CEO, leading a diverse and experienced leadership team overseeing the company’s vision, strategy, and operations.

Company Contacts

Here are some essential details about Embrace Pet Insurance:

Phone Number (800) 511-9172
Address 4530 Richmond Road, Cleveland, OH 44128
Customer Service Contact Email or Chat
Policy Details Coverage, Rates, Terms and Conditions
Email Address
Fax Number (800) 238-1042
Operating Hours Monday-Friday: 8:30 am – 8:00 pm ET, Saturday: 9:00 am – 1:00 pm ET

Services & Products

Embrace Pet Insurance offers a variety of services and products for pet owners, including:

  • Pet Insurance helps pay for your dog or cat’s medical care if they get sick, hurt, or have other problems. You can choose what kind of plan you want.
  • Pet Pharmacy works with Vetsource, a website that sells medicine, food, and other things for your pet. You can save money and get rewards for buying from them.
  • Pet Health Line lets you talk to [WhiskerDocs], a service that has animal doctors who can answer your questions and help you take care of your pet. You can call, chat, or email them anytime for free.
  • Pet Community helps animals and people who care about them. You can get discounts, rewards, and benefits from their [Embraced] program.

Pros and Cons

Like any company, Embrace Pet Insurance has its strengths and weaknesses:


  • Comprehensive coverage, including dental issues, genetic conditions, behavioral therapy, and alternative treatments.
  • Flexible and customizable policy options.
  • Simple and fast claims process, with online and mobile app submission.
  • Excellent customer service with friendly, knowledgeable, and responsive support.
  • Positive reputation and high ratings from customers and experts.


  • Does not cover pre-existing conditions.
  • Waiting periods for accidents, illnesses, and orthopedic conditions.
  • One-time enrollment fee of $25.
  • Limited network of veterinarians may lead to upfront payments and reimbursement waits.

Obtaining a Quote and Purchasing a Policy

Securing a quote and acquiring a policy from Embrace Pet Insurance is a straightforward and convenient process. This can be done either online or via phone, following a few simple steps:

  1. Visit their website or call their toll-free number (800) 511-9172.
  2. Enter your pet’s name, age, breed, gender, and your zip code.
  3. Select your deductible, reimbursement percentage, and annual maximum. Optionally, add wellness rewards and other features.
  4. Review your quote and coverage details, making necessary changes if required.
  5. Input your personal and payment information, agreeing to the terms and conditions.
  6. Complete the process by paying the enrollment fee and the first month’s premium. Receive your policy documents via email.

Filing a Claim and Receiving Reimbursement

Initiating a claim and obtaining reimbursement from Embrace Pet Insurance is a quick and uncomplicated procedure, achievable online or through their mobile app with the following steps:

  1. Visit their website or download their [app] on your smartphone or tablet.
  2. Log in to your account or register if you are a new user.
  3. Click on “File a Claim” and complete the form with your pet’s information and incident details.
  4. Upload a copy of your vet invoice and any supporting documents, such as medical records or receipts.
  5. Submit your claim and await confirmation and approval.
  6. Receive your reimbursement via direct deposit or check, based on your preference.

Canceling Your Policy and Obtaining a Refund

Canceling your policy and receiving a refund from Embrace Pet Insurance is a hassle-free and direct process, achievable by phone or email with the following steps:

  1. Call their customer service number (800) 511-9172 or send an email to
  2. Provide your policy number and the reason for cancellation.
  3. Confirm your cancellation and request a refund if applicable.
  4. Receive a confirmation email and a prorated refund for any unused premium, minus the enrollment fee and any claims paid.


Q: How much does Embrace Pet Insurance cost?

A: The cost of Embrace Pet Insurance depends on several factors, such as your pet’s age, breed, location, and coverage options.

You can get a personalized quote online or over the phone by providing some basic information about your pet and your preferences.

According to their website, the average monthly premium for dogs is $34.59 and for cats is $18.78.


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