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Embrace Pet Insurance Review 2023

Embrace Pet Insurance comes highly recommended thanks to comprehensive coverage benefits and customization features. The provider makes it easy for you to build the exact policy you need without sacrificing coverage or paying unnecessary fees.

Best Features

  • 24/7 Phone Support: Consult a professional at any time for all of your pets health concerns, no matter how big or small.
  • Exam Fee Coverage: Don't settle for poor coverage and surprise fees–Embrace covers all eligible accident and illness exam fees.
  • Personalized Policies: Choose a plan that matches your price point and coverage needs with customizable maximums, deductibles, and reimbursement percentages.

The Basics

Embrace keeps things straightforward by offering one base accident and illness coverage policy covering the most common conditions your pet might encounter. Additional terms and conditions apply based on the age of your pet(s).

For reimbursement on preventative treatments such as tests, checkups, and more, Policyholders can include “Wellness Rewards,” an optional, non-insurance product. Embrace is available in all 50 states, as well as the District of Columbia.

How Does an Embrace Policy Work?

  1. Enter basic information about your pet and get a free quote with an estimate of future premiums.
  2. Submit an application with your price quote–Embrace may ask to view your pet's health history from the previous year.
  3. After you receive approval, simply sign up, and pay your first premium to activate coverage. This process typically takes one to two days.
  4. Once your policy takes effect, send an itemized bill of all eligible vet visits to Embrace via the mobile app or website.
  5. Embrace will reimburse eligible claims directly to you, typically by direct deposit or check, based on the deductible and reimbursement rate you have selected.*


*Embrace has a 2-day policy effective day, meaning coverage will not start until 48 hours after purchase. Illnesses have a 14-day waiting period. Claims made during this time will not meet coverage requirements.

Plan and Policy Information

Embrace offers two pet insurance plans, plus an additional option for preventative treatment coverage.

Accident and Illness (Base Coverage)

For pets ages 6 weeks to 15 years, Embrace’s accident and illness coverage is the default policy designed to help you reimburse veterinary care for a wide variety of common scenarios, including:

  • Accidents: Bloat, foreign body ingestion, car accidents, torn ligaments, poisoning, cuts and lacerations, prescription drugs*
  • Dental Illness (up to $1,000 a year): Extractions, gingivitis, root canals
  • Breed-specific, Congenital & Genetic Conditions: Hip dysplasia, allergies, IVDD
  • Cancers
  • Chronic Conditions: Diabetes, arthritis
  • Preventable Conditions: Lyme disease, parasites, Parvo
  • Orthopedic Conditions (excluded from coverage during first 6 months): IVDD, cruciate ligament injuries, patellar luxation, hip dysplasia

Accident-Only (Special Case)

Pets that are older than 15 years cannot continue coverage with Embrace's accident and illness plan, and will be automatically switched over to an accident-only coverage, reducing your yearly premiums. This accident-only plan covers veterinary care for the following accidents or emergencies:

  • Bloat
  • Foreign Body Ingestion
  • Car Accidents
  • Torn Cruciate Ligaments
  • Poisoning
  • Cuts and Lacerations
  • Prescription Drugs*


*Prescription drug coverage not included in policies based in New York.

Wellness Rewards (Preventative Add-On)

Embrace Wellness Rewards is a reimbursement option designed to cover your pet’s preventative treatments, such as annual checkups and routine health tests, with three reimbursement allowances per year: $250, $450, or $650. The following scenarios are eligible:

  • Routine and Annual Care: Wellness exam fees, vaccinations, flea, tick, & heartworm preventatives, fecal & routine blood tests, anal gland expression, preventative teeth cleaning
  • Puppy and Kitten Care: Spay & neuter surgery, microchipping, training
  • Ongoing/Therapeutic Care: Nutritional supplements, grooming, medicated shampoos, toenail trimming, prescription diet food, routine chiropractic care, reiki, massage therapy, acupuncture
  • Other Care Scenarios: Wearable pet activity monitors, cremation or burial, gastropexy

Please note, Embrace Wellness Rewards is not available in Rhode Island.

What’s Not Covered?

Like other pet insurance companies, Embrace doesn’t cover every scenario. These include:

  • Pre-Existing Conditions
  • Breeding, Whelping, or Pregnancy
  • DNA Testing or Cloning
  • Deliberate Injury
  • Injury or Illness from Fighting, Racing, Cruelty, or Neglect
  • Cosmetic Procedures

Embrace Insurance Pros and Cons

  • (+) Generous accident and illness coverage, plus optional preventative care add-ons.
  • (+) Embrace only reviews the past 12 months of your pet's vet reports, not their entire medical history.
  • (-) Pets cannot be enrolled in an accident and illness plan past their 15th birthday.

The Bottom Line

For pet owners looking to customize plan coverage and secure a generous accident and illness policy, we believe there's no better choice than Embrace Pet Insurance. Embrace policies provide financial protection against cancers, chronic illnesses, accidents, and so much more, granting pet owners the confidence that, no matter what life throws at them, they can give their pet(s) the care they deserve.

Embrace FAQs:

How much does Embrace cost?

Embrace pet insurance pricing will vary from customer to customer. To see what you would pay to insure your pet, we recommend you get a quote directly from Embrace’s website.

Who Accepts Embrace Pet Insurance?

Embrace accepts claims from policyholders who visit any licensed Vet in the US.

Can I Cancel If I Change My Mind?

Policyholders can call or email Embrace’s customer support team to cancel their coverage.

How Can I Access My Plan?

Access claims, support tools, and more via Embrace's website portal, mobile app, or customer service line.

Am I Eligible for Any Discounts?

  • 10% Multiple Pet Discount: If you have more than one pet on your Embrace insurance policy, Embrace takes 10% off your annual premium pricing.
  • 5% Military Discount: Active and former military members receive 5% off annual premium pricing (not available in New York or Tennessee).

Frequently Asked Questions (FAQ)

Pet insurance typically covers illness, accidents, behavioral issues, genetic conditions, chronic disorders, and alternative therapies recommended by veterinarians. Companies may offer additional offers or bonus packages for preventive care including annual appointments, vaccines, routine testing, de-worming, and more.
There are many different types of pet insurance covering a wide range of health needs. The most common types are comprehensive, accident-only, and preventive. Plans are often divided by animal type and age including dogs/cats, puppies/kittens, and sometimes even small or exotic animals can receive coverage.
An average pet insurance policy starts at roughly $15-25 per month for accident-only and preventative plans. A monthly premium for comprehensive pet insurance plans offering the most extensive coverage will cost an average of $40–$60 per month. Prices will vary based on provider features, plan selection, premium and deductible fees, number of pets, health needs, and more.
On average, pet insurance plans can save you anywhere from 25-85% annually. The amount of money saved will vary but policies should cover a significant portion of veterinary bills depending on the plan and specific treatments needed.