Embrace Pet Insurance is a legitimate, established company. It’s headquartered in the Cleveland, Ohio area and insures more than 500,000 pets across all 50 states. Its policies are underwritten by American Modern Insurance Group, a Munich Re company with an AM Best A+ (Superior) rating, and Embrace holds an A+ rating with the Better Business Bureau. Reviews are largely positive, around 3.9 to 4.3 stars depending on the platform, though Reddit sentiment is more mixed. The most common complaint is premium increases at renewal, which is an industry-wide issue rather than a sign of a scam.
Embrace Pet Insurance Cleveland Reviews: Key Facts at a Glance
| Detail | Information |
|---|---|
| Headquarters | Cleveland area, Ohio (44128) |
| Pets insured | More than 500,000, all 50 states |
| Underwriter | American Modern (Munich Re), AM Best A+ |
| BBB rating | A+ |
| Trustpilot | Around 3.9 to 4.3 stars |
| Owned by | JAB Holding Company (since 2023) |
| Known for | Dental illness cover, curable pre-existing cover |
| Top complaint | Premium increases at renewal |
Embrace Pet Insurance is a Cleveland-based provider that people often search with “reviews” attached. They want to know one thing: is it trustworthy before I hand over my money and my pet’s health? The short version is yes. It’s a real, financially backed insurer with strong ratings. But like every pet insurer, it has real trade-offs. This review covers who’s behind it, what the ratings say, what it covers, where it falls short, and who it fits.
Is Embrace Pet Insurance Legit and Reliable?
On the evidence, yes. Embrace is headquartered in the Cleveland, Ohio area, at a Warrensville Heights address in the 44128 ZIP code. That’s why “Cleveland” shows up in so many searches. It has grown to protect more than 500,000 dogs and cats across all 50 states since launching in the mid-2000s.
The financial backing matters most, because that’s who actually pays your claims. Embrace itself is the administrator and customer-facing agency. The policies are underwritten by American Modern Insurance Group, a subsidiary of Munich Re, one of the world’s largest reinsurers. American Modern carries an AM Best A+ (Superior) rating, a strong mark of financial strength. In November 2023, Embrace was acquired by JAB Holding Company, a global investment firm with a large pet-care portfolio, which added further stability. So the “is it a scam” worry isn’t supported: this is a well-backed, long-running insurer.
Embrace Pet Insurance Reviews: What the Ratings Actually Say
Here’s an honest read across the review sites, rather than cherry-picking the good ones. The scores are solid but not flawless, and they vary by platform.
Embrace holds an A+ rating with the Better Business Bureau, its highest grade. On Trustpilot it sits around 3.9 to 4.3 stars across thousands of reviews, depending on when you look. Birdeye shows about 3.9 from nearly 15,000 reviews. Reddit is the tougher crowd, with only about 29% of comments positive. Reviewers consistently praise the simple claims process, the app, fast reimbursements, and compassionate customer service, and long-term policyholders tend to be loyal. The complaints cluster around three things: premium increases as pets age, claim denials tied to pre-existing conditions, and occasional website or portal glitches. Embrace reports approving about 92% of claims. That also means roughly 8% are denied, usually for pre-existing conditions, out-of-scope items, or late filing. That mix, strong ratings with a recurring price-and-denial gripe, is typical of the pet insurance industry.
What Embrace Pet Insurance Covers
Embrace sells a single accident-and-illness plan, which keeps things simple. It includes some things rivals charge extra for or leave out. It covers accidents, illnesses, cancer, and hereditary and congenital conditions like hip dysplasia, as long as they aren’t pre-existing.
Two features stand out. First, dental illness coverage is built into every policy, up to $1,000 a year, which many competitors exclude or limit heavily. Second, veterinary exam fees are covered as standard, a common exclusion elsewhere. Embrace also covers behavioral therapy and alternative treatments like acupuncture in the base plan. And it rewards claim-free years with a diminishing deductible, called the Healthy Pet Deductible. It drops your deductible by $50 for each year you don’t claim. You choose your annual limit, deductible, and reimbursement rate of 70%, 80%, or 90%.
Wellness Rewards and Routine Care
One point that confuses buyers: routine care isn’t part of the insurance. Embrace offers an optional add-on called Wellness Rewards, which it’s careful to call a non-insurance budgeting product, not insurance.
Wellness Rewards reimburses predictable, routine costs up to a set annual allowance you choose across three tiers, with no per-item caps. It can go toward wellness exams, vaccinations, flea and heartworm prevention, spaying or neutering, microchipping, routine dental cleaning, grooming, and training. So if you want help with spay/neuter or teeth cleaning, that’s the Wellness Rewards side, not the insurance policy. It reimburses 100% up to the allowance, which makes it straightforward, though like most wellness plans it roughly breaks even rather than saving you money.
What Embrace Does Not Cover
Knowing the exclusions prevents the denials that drive bad reviews. Like every pet insurer, Embrace excludes pre-existing conditions, though it treats curable ones more generously, as covered below.
It doesn’t cover incurable pre-existing conditions, cosmetic or elective procedures, breeding and pregnancy, or routine care unless you add Wellness Rewards. Prescription food is excluded from the base plan. And claims filed outside the 90-day window can be denied. Embrace also insures dogs and cats only, so if you have a bird, reptile, or ferret, you’ll need a provider like Nationwide instead. None of these are unusual for the industry, but they’re the items owners most often assume are covered when they aren’t.
Dental Coverage: The $1,000 Question
Dental is one of Embrace’s signature selling points, so it’s worth a close look. Every Embrace accident-and-illness policy covers dental illnesses and injuries, including broken, chipped, or fractured teeth, gingivitis, and periodontal disease, up to $1,000 per policy year.
That built-in dental illness benefit is close to unique and genuinely useful, since most dogs and cats develop dental disease by middle age. But the $1,000 annual cap is the catch. For a straightforward extraction or a cracked tooth, it usually helps a lot. For complex oral surgery, or a dental-prone breed with severe periodontal disease, that cap can fall well short of the real bill. And routine cleaning, the thing that prevents dental disease, isn’t covered by the insurance at all; it sits under Wellness Rewards. So Embrace is strong on dental for most pets, but not the right pick if you expect heavy, recurring dental costs.
Waiting Periods, Age Limits, and the Re-Underwriting Trap
A few timing rules catch people out. Embrace’s waiting periods are 2 days for accidents and 14 days for illnesses, both competitive. Orthopedic conditions like cruciate ligament tears and hip dysplasia carry a longer 6-month wait, which you can cut to 14 days by completing an orthopedic exam waiver at enrollment.
On age, Embrace sets an upper enrollment limit of 15 years for the full accident-and-illness plan. Pets enrolled at 15 or older can only get accident-only coverage. You also need a recent vet exam to enroll. It must fall within the 12 months before your policy starts, or within 14 days after, or your coverage defaults to accident-only. One less obvious trap: if you increase your coverage later, Embrace re-underwrites the policy, which can reset waiting periods and treat any condition that appeared since your original enrollment as pre-existing for the new coverage. Plan your limits at the start rather than raising them after a diagnosis.
How Much Does Embrace Pet Insurance Cost?
Embrace sits in the mid-range on price, generally cheaper than premium insurers like Trupanion. U.S. News found Embrace among the more affordable options in its sample, and USAA members get a discount of around 15%, which makes it very competitive for them.
Your actual premium depends on your pet’s species, breed, age, and location, plus the limit, deductible, and reimbursement rate you choose. As with all insurers, premiums rise as your pet ages, which is the root of the most common complaint. One practical drawback: Embrace reimburses you after you pay the vet, typically within 5 to 15 business days, rather than paying the clinic directly. For a large emergency bill, that means fronting the cost and waiting. Trupanion, by contrast, can pay some vets directly at checkout.
Embrace vs Trupanion
This is the comparison people search most, so here’s how the two line up. They suit different priorities.
| Feature | Embrace | Trupanion |
|---|---|---|
| Payout limit | Choice of annual limits | No payout limit |
| Dental illness | Covered up to $1,000/year | Excluded |
| Exam fees | Covered | Not covered |
| Wellness add-on | Yes | No |
| Direct vet pay | Usually no | Yes, at some vets |
| Orthopedic wait | 6 months, waivable | 30 days, all illnesses |
| Price | Lower | Higher |
Embrace fits owners who want dental cover, exam fees, a wellness option, and a lower price, and who don’t mind waiting for reimbursement. Trupanion fits owners who want unlimited payouts and direct payment to the vet, and will pay more for it. Neither is simply better; they’re built for different buyers.
Do All Vets Accept Embrace?
Effectively yes, because of how it works. Embrace is a reimbursement insurer, not a network. You can use any licensed veterinarian in the US or Canada, including specialists and emergency hospitals, without checking whether they’re “in network,” because there is no network.
You pay the vet directly, then submit the claim to Embrace and get reimbursed to your bank account. So the vet doesn’t need any relationship with Embrace, which is why “do all vets accept Embrace” has a simple answer: your vet choice is entirely yours. The only trade-off, as noted, is that you front the bill and wait for reimbursement rather than the insurer paying the clinic upfront.
The Honest Read
The honest read on Embrace is that it’s a legitimate, well-backed insurer with a genuinely strong feature set, held back mainly by the same renewal-pricing issue that affects the whole industry. It’s a standout choice for a few owners in particular. That includes those who want built-in dental illness cover, those whose pet had a curable condition that rivals would exclude forever, and healthy-pet owners who’ll benefit from the shrinking deductible over years. It’s a weaker fit if you have a dental-prone breed likely to blow past the $1,000 dental cap, if you want the insurer to pay your vet directly, or if your pet is 15 or older and needs more than accident-only cover. Read the pre-existing and waiting-period rules before you enroll, since that’s where the denials, and the bad reviews, come from.
Conclusion
Embrace Pet Insurance earns its generally positive Cleveland reviews: it’s a real, financially strong company underwritten by American Modern, a Munich Re business, with an A+ BBB rating and over half a million pets covered. Its dental illness benefit, covered exam fees, curable pre-existing coverage, and diminishing deductible are real advantages, while the main downsides are renewal price rises, the $1,000 dental cap, and reimbursement rather than direct vet payment. Compare it against a rival like Trupanion on the features you care about, read the exclusions carefully, and enroll your pet while young and healthy to get the most from it.
FAQs
Is Embrace pet insurance legit and reliable?
Yes. Embrace is an established Cleveland-based insurer covering more than 500,000 pets, underwritten by American Modern Insurance Group, a Munich Re company with an AM Best A+ rating. It holds an A+ Better Business Bureau rating and generally positive reviews. The main complaint, premium increases at renewal, is industry-wide rather than a red flag.
Is Embrace pet insurance good and worth it?
For many owners, yes, especially if you value built-in dental illness coverage, covered exam fees, and coverage for curable pre-existing conditions. It’s mid-priced and well-rated. It’s less ideal if you have a dental-prone breed likely to exceed the $1,000 dental cap or want the insurer to pay your vet directly.
Where is Embrace pet insurance located?
Embrace is headquartered in the Cleveland, Ohio area, at a Warrensville Heights address in the 44128 ZIP code. Despite the local base, it serves pet owners in all 50 states. The Cleveland connection is why many searches pair “Embrace pet insurance” with the city.
Who underwrites Embrace pet insurance?
Embrace policies are underwritten by American Modern Insurance Group, a subsidiary of Munich Re, one of the world’s largest reinsurers. American Modern carries an AM Best A+ (Superior) financial strength rating. Embrace itself is the administrator that handles quotes, claims, and service, while American Modern backs the coverage.
Do all vets accept Embrace pet insurance?
Effectively yes. Embrace is a reimbursement insurer with no network, so you can use any licensed vet in the US or Canada, including specialists and emergency clinics. You pay the vet, then submit a claim and get reimbursed. Your vet doesn’t need any relationship with Embrace.
What does Embrace not cover?
Embrace doesn’t cover incurable pre-existing conditions, cosmetic or elective procedures, breeding and pregnancy, or routine and preventive care unless you add Wellness Rewards. Prescription food is excluded from the base plan, and it insures only dogs and cats. Claims filed after the 90-day window can also be denied.
Does Embrace cover dental surgery and broken teeth?
Yes, within limits. Every Embrace policy covers dental illnesses and injuries, including broken, chipped, and fractured teeth, gingivitis, and periodontal disease, up to $1,000 per policy year. Dental surgery for a covered condition is included up to that cap, but complex oral surgery can exceed $1,000. Routine cleaning isn’t covered by the insurance.
Does Embrace cover spay/neuter and teeth cleaning?
Not under the insurance policy, since those are routine care. They’re covered through the optional Wellness Rewards add-on, which reimburses routine costs like spaying, neutering, dental cleaning, vaccines, and grooming up to an annual allowance. Wellness Rewards is a budgeting product, not insurance.
Which is better, Embrace or Trupanion?
Neither is simply better; they suit different buyers. Embrace offers dental cover, exam fees, a wellness option, and lower prices, but reimburses you after you pay. Trupanion offers unlimited payouts and can pay some vets directly, but costs more and excludes dental and exam fees. Choose based on the features you value most.
What is the most highly rated or number one pet insurance?
There’s no single number one, since the best insurer depends on your pet’s age, breed, health, and your budget. Embrace rates well, particularly for dental and curable pre-existing coverage. Compare a few insurers on coverage, limits, waiting periods, and price rather than trusting a ranking.
What is the best pet insurance that includes dental?
Embrace is one of the strongest for dental because it builds dental illness coverage into every policy, up to $1,000 a year, which many rivals exclude. For pets with heavy, recurring dental needs, insurers with higher or uncapped dental benefits may fit better. Routine cleaning always requires a wellness add-on.
How much does Embrace pet insurance cost?
Embrace sits in the mid-range, generally cheaper than premium insurers like Trupanion, with USAA members getting around a 15% discount. Your premium depends on your pet’s breed, age, and location, plus your chosen limit, deductible, and reimbursement rate. Premiums rise as your pet ages, which drives the most common complaint.
What are Embrace’s waiting periods and age limit?
Waiting periods are 2 days for accidents, 14 days for illnesses, and 6 months for orthopedic conditions, though the orthopedic wait drops to 14 days with an exam waiver. The upper enrollment age for the full plan is 15; older pets can get accident-only cover. A recent vet exam is required to enroll.
What do Embrace complaints and Reddit reviews say?
The most common complaint across BBB, Trustpilot, and Reddit is premium increases as pets age, followed by pre-existing condition denials and occasional portal glitches. Reddit is more critical, with about 29% positive comments. Praise centers on fast claims, a good app, and helpful service. Overall ratings stay solid at around 3.9 to 4.3 stars.
What breed of dog is uninsurable with Embrace?
No dog breed is uninsurable for pet insurance, unlike home or liability insurance, which can exclude certain breeds. Embrace insures all breeds of dogs and cats, though premiums vary by breed based on health risks. What isn’t covered is any condition that’s already pre-existing when you enroll, regardless of breed.
About This Review
The InsuranceGuidances Editorial Team reviews insurance companies using primary sources and independent data. This review drew on Embrace’s own coverage and help pages, American Modern and AM Best financial ratings, the BBB profile, Trustpilot and Birdeye review data, and independent reviews from U.S. News and others. It is independent and not affiliated with Embrace. Reviewed July 2026. Next review: October 2026.
Sources
Pet Insurance Lab and Money Atlas, Embrace features, dental cap, and fit (petinsurancelab.com, moneyatlas.com)
Embrace Pet Insurance, dental coverage page and $1,000 dental illness limit (embracepetinsurance.com)
Embrace Pet Insurance, Wellness Rewards and coverage help pages (embracepetinsurance.com)
Reviews.com, “Embrace Pet Insurance Review,” BBB A+ and underwriter (reviews.com)
U.S. News, “Embrace Pet Insurance Review” and “Embrace vs Trupanion” (usnews.com)
Better Business Bureau, Embrace Pet Insurance Cleveland profile and rating (bbb.org)
Trustpilot, Embrace Pet Insurance reviews and rating (trustpilot.com)
Birdeye, Embrace Pet Insurance reviews (birdeye.com)
Bestie Paws Hospital, Embrace review, claim approval and re-underwriting notes (bestiepaws.com)
RatesChaser, Embrace review, JAB acquisition and Reddit sentiment (rateschaser.com)
