If you’re considering a health insurance plan for your pet, explore this Embrace Pet insurance review to know your coverage and pet care options.

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InsuranceRanked Score 4.85
Year Founded 2003
AM Best Rating A+

Embrace 2024 Review

Bryan Huynh

Product Tester & Writer

Embrace screen shot

Embrace Pet Insurance Review – Pros, Cons and Coverage

Helping you experience better pet coverage with personalized plans and diminishing deductibles.

Embrace Pet Insurance is a pet insurance provider that strives to partner with pet owners in the care and nourishment of their animals. When you sign up with Embrace, the company believes that you’re not just a policyholder but also a member of a close-knit family. In this Embrace Pet Insurance review, you’ll learn how that mindset influences several key aspects of the business.

In this review, you’ll have a chance to learn more about the plans, coverage options, and characteristics that make Embrace unique. You’ll also get a glimpse at pros and cons, customer testimonials, and the steps required to apply.

Although deciding on insurance options of any kind can be tricky, we’re sharing some of the most important characteristics to help you make the best choices possible.

Embrace Pet Insurance: What You Need to Know

Embrace Pet Insurance got its start in 2003, when it won the Wharton Business Plan Competition. What began as a simple concept for pet insurance began to grow and evolve into a well-rounded, fully functional company dedicated to pets and their owners.

As a company, Embrace has several core values that not only make it a fantastic option for pet insurance, but have also earned it several awards for maintaining a healthy workplace environment. These values include transparency, generosity, innovation, passion, and customer support.

Pet insurance policies through Embrace are backed by the American Modern Insurance Group. Embrace is also licensed to operate in all 50 states and Washington D.C.. Additionally, each Pet Insurance Advisor has the necessary casualty and property licenses to help answer your questions about enrolling your pet.

Embrace Pet Insurance Features:

  • Founded in 2003 with a history of helping pets and owners
  • Company focus on providing partnership and giving back
  • One simple policy that offers “nose to tail” coverage for pets
  • Accident-only options for animals over 15 years old at time of enrollment
  • No plan cancellation due to a pet’s age or claims made
  • Optional Wellness Rewards Plan to help cover the costs of routine vet care

How Does Embrace Pet Insurance Work?

Embrace Pet Insurance works by offering “nose to tail” coverage for animals. With separate policies for dogs and cats, you can be sure that you’re getting exactly what you need based on your animal’s breed, age, and overall health.

Although Embrace offers many personalization options, you can count on the following types of coverage no matter what you choose:

  • Accidents, including broken bones and ingestions
  • Illnesses and sickness
  • Dental illness, including gum disease and tooth extractions
  • Breed-specific issues common to certain types of animals
  • Plus many other illnesses and treatments

There are also some exclusions with Embrace, including routine examinations, cosmetic procedures, breeding costs, and more. Embrace Pet Insurance aims to be transparent to avoid any surprises when you file a claim.

Where is Embrace Pet Insurance Available?

No matter where you live within the United States, you are eligible to use Embrace. The company is licensed to sell policies in all 50 states and Washington D.C.. You can learn more about licensure here.

How Much Does Embrace Pet Insurance Cost?

One important thing to note about Embrace is that they only offer one type of policy. The goal of this is to offer simplicity to policyholders. If you’re looking for something more tailored, you do have the ability to customize coverage options based on the needs of your pet and what you want to spend.

If you’re looking to compare the cost of Embrace with other plans, you can do so by looking at a list of relevant features. This comparison chart makes it easy to see how Embrace stacks up to competitors.

Unfortunately, to get a specific dollar amount for your personal pet insurance, you’ll need to apply for a quote. The sample policy terms provided here may be helpful for determining a baseline.

Embrace Pet Insurance’s Plans:

  • Comprehensive Coverage:
  • Accident-Only Coverage:
    • This option is only available to pets over 15 at the time of enrollment
    • Accident coverage includes: bloat, accidental ingestion, poisoning, cuts, vehicle accidents, certain prescription drugs, and more

Customization Options:

  • Healthy Pet Deductible for years without any reimbursements
  • Pre-certification for recommended procedures and testing
  • Medical history review to address pre-existing conditions available upon request

Wellness Rewards:

Embrace offers an optional plan called Wellness Rewards to help cover the costs of routine care. According to Embrace, this option is “not an insurance policy, but works as a budgeting tool and rewards you for being proactive with your pet’s care.” You can use Wellness Rewards to cover the following services:

  • Wellness visits
  • Routine vaccinations
  • Microchipping
  • Spaying and neutering procedures
  • Grooming, clipping, and shampoos
  • Training
  • Behavior and training classes
  • Activity monitors
  • Diet and exercise products
  • Massage therapy
  • And more

Wellness Rewards appear as a separate charge for the normal insurance premium. There are different coverage amounts, and owners are encouraged to only take out what they will spend in a calendar year. The amount is meant to be paid in full over the 12-month policy plan.

What Does Embrace Pet Insurance Cover?

Although Embrace Pet Insurance offers one streamlined plan, you should always know what is included under your insurance coverage. View the lists below to see important notes on covered fees and exclusions that may not be eligible for reimbursement.


Embrace pet insurance covers:

  • Accidents
  • Illnesses
  • Dental conditions (some coverage may vary based upon state of residence)
  • Breed-specific and genetic conditions
  • Cancer testing and treatments
  • Chronic conditions such as allergies, diabetes, or arthritis
  • Exam and consultation fees, which include emergency and specialist visits
  • Alternative therapies and rehabilitation
  • Behavioral therapy
  • Emergency care
  • Specialist visits
  • Diagnostic testing including biopsies, fecal exams, and other tests
  • Hospitalization and surgery
  • Prosthetics and mobility devices
  • Prescription drugs and take-home medications (some exclusions may apply)

Waiting Period

A waiting period is the time period between when an insurance policy is purchased and when it is eligible for use. Many pet insurance companies have waiting periods upon enrollment. With Embrace, you can expect the following:

  • 14-days for illnesses
  • 48 hours for accidents
  • 6-month period for orthopedics (can be reduced with a special waiver)

Claims submitted during the waiting period will not be covered by the insurance policy and are therefore not eligible for reimbursement.


  • Routine veterinary care
  • Pre-existing conditions
  • Whelping, breeding, and pregnancy
  • Deliberate injury or abuse by any person in a residence
  • DNA testing and cloning
  • Injury or illness from improper conduct or neglect
  • Cosmetic procedures
  • Avian flu complications

Embrace Pet Insurance should be contacted for a complete list of exclusions.

Pros and Cons of Embrace Pet Insurance

Every insurance company has benefits and downsides. Some qualities may appeal to certain pet owners, while others can have different or unique expectations. Here are some pros and cons we found while researching Embrace Pet Insurance


  • Quality company with a longstanding commitment to pets and their owners
  • Reimbursements are available at up to 90% of costs
  • Comprehensive coverage plan offers one extensive plan for injuries, illnesses, sickness, accidents, and other miscellaneous vet needs
  • Optional Wellness Rewards Plan to help cover routine care and other specialist services
  • Licensed for coverage in all 50 states and Washington D.C. within the United States


  • Only one main type of policy available, which may feel limiting in some situations
  • Routine care, vaccinations, and basic puppy and kitten vet visits aren't included in the comprehensive accident and illness plan
  • Specific pet and contact information is required to see a quote on the website

Discounts on Embrace Pet Insurance

Embrace Pet Health Insurance offers the following discounts.

  • Refer a friend. When you refer a friend to use Embrace, the company makes a $25 donation to notable pet charities. While not a direct discount, some owners may see this as a special benefit.
  • 30-Day Money Back Guarantee. As long as there hasn’t been a paid claim, policyholders can cancel any time within the first 30 days. Embrace will fully refund cancelled policies in this time frame.
  • Health Pet Deductible. Embrace was the first pet insurance of its kind to offer a discount in the form of a diminishing deductible. With this benefit, your annual deductible is reduced by $50 each year that you don’t receive an accident or illness reimbursement.
  • Multiple Pet Discount. This 10% discount is applicable when you have two or more animals enrolled and is available in most states. It’s automatically added to your plan when you enroll multiple pets.
  • Military Discount. Members of the armed forces are eligible for a discount of 5% on insurance plans available in most states.
  • Employee Discount. Some employers may offer pet insurance as an optional benefit. If your company offers Embrace as a voluntary benefit, you may be eligible for up to 10% off in most states.

Embrace Pet Insurance Customer Reviews

Embrace maintains a strong A+ rating from the Better Business Bureau. Here are what real customers have to say about using Embrace on the popular consumer site, Trustpilot.

“Amazing customer service, fast claim processing times, and fair monthly costs for the different plans. For as long as my dog lives, we will always have Embrace.” –Trustpilot review, March 2020

_“I have had Embrace Insurance for my sweet dog for many years and I can't recommend them highly enough! They are wonderful to deal with over the phone and they always handle claims quickly. My pup recently became very ill and had to be admitted to a hospital. She was discharged on very expensive treatments and medications. If I didn't have insurance, it would have been an even more stressful experience!” – Carol, reviewer from October 2019 _

How to Apply for Embrace Pet Insurance

Applying for Embrace Pet Health Insurance starts by getting a free quote. This is common on many pet health insurance websites.


  1. Go to the homepage at https://www.embracepetinsurance.com/.
  2. Select the yellow “Get a Quote” button in the top menu bar.
  3. Complete the form with necessary information about your pet including name, age, breed, size, and your contact information and local residence.
  4. Once your information is reviewed and a plan is selected, you can officially enroll your pet.
  5. Once enrolled, Embrace will request medical records from your vet.
  6. You must wait the length of the waiting period before using your plan.
  7. You can then visit a vet for care, make claims, and receive reimbursement.

How to File an Insurance Claim with Embrace

Submitting a claim with Embrace is fairly straightforward once you have a MyEmbrace account set up. All you need to do is log in and provide the necessary documentation. Here are a few reminders when filing a claim:

  • Secure a copy of the invoice from your veterinarian or clinic.
  • Complete a required claim form (one per pet on the invoice).
  • Submit your full claim through MyEmbrace or within the mobile app.
  • Your claim status will be updated within your member portal and via email.

Checking the Status of Your Claim

The easiest way to check the status of your claim is to access your MyEmbrace account or to view updates via email and through the mobile app. You can also reach out the company’s claims team via email. As a member, you can easily view all claims by date of submission and download copies of your EOB (explanation of benefits).

How to Contact Embrace Pet Insurance

Address: PO Box 22188 Beachwood, OH 44122-0188

Call center: (800) 511-9172

Customer Care Hours: Mon-Fri 8:30 am-8 pm ET Sat 9 am-1 pm ET

Fax: (800) 238-1042

Email: In lieu of email, submit the contact form located here.

Twitter: https://twitter.com/EmbracePetIns

Facebook: https://www.facebook.com/EmbracePetInsurance

LinkedIn: https://www.linkedin.com/company/embrace-pet-insurance/

Instagram: https://www.instagram.com/embracepetins/?hl=en

Blog: https://www.embracepetinsurance.com/waterbowl

For complete contact information, visit the company’s Contact Us page.

Does the Embrace Offer Other Kinds of Insurance?

At this time, Embrace only offers one accident and illness policy and an Optional non-insurance Wellness Rewards Plan for dogs and cats. As a whole, the company is dedicated to educating pet owners while meeting their insurance policy needs. However, the only products available for purchase are pet health insurance policies.

Embrace Pet Insurance – Summary

In this Embrace Insurance Review, you’ve learned why this particular insurance company is a favored option among many dog and cat owners in the United States. With a broad range of personalized coverage options to help support you in caring for your pet, Embrace provides peace of mind when you have large vet bills to cover.

Embrace makes an effort to do more than just offer pet health insurance policies. With attentive customer support and helpful resources, the company and its staff are focused on creating a strong community for pet owners. As a highly-rated, award-winning option, you won’t want to miss what Embrace has to offer!

Embrace full disclaimer:

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting, review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Wellness rewards are offered as a supplementary benefit to the pet health insurance policy and are not an insurance product. Wellness rewards are offered and administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.

** Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is a reimbursement plan designed to be paid in full over a 12-month policy term. If there is a remaining balance in your Wellness Rewards allowance at the end of the year, it does not roll over and is non‑refundable. Not available in Rhode Island.

Frequently Asked Questions

Where can I check to see whether I can use Embrace in my particular state?

Fortunately, Embrace is licensed to sell insurance in all 50 states in the United States. This includes Alaska, Hawaii, and Washington D.C. You can locate confirmation and licensing numbers on the licensing page.

Is there any flexibility for pre-existing conditions?

Embrace is one of the few pet insurance companies that distinguishes between curable and incurable pre-existing conditions. Curable conditions are covered after 12 months of your pet remaining symptom and treatment free. Since most companies have a no tolerance policy for pre-existing conditions, this may be beneficial to many pet owners.

What is the best way to access my pet’s insurance information on the go?

Embrace offers a user-friendly mobile app that you can download in the Apple Store or through Google Play. The mobile app allows you to complete important actions such as checking your policy details, submitting claims, and looking for updates. Download the app today for easier access to your online account!

Does Embrace offer any additional resources for pet owners?

Besides offering insurance, Embrace is committed to the wellbeing of pets and animals. In 2019, the company partnered with PawSupport to give policyholders access to a 24/7 pet helpline. Owners can utilize this resource when they have concerns over their pet’s behavior, health, diet, or wellness.

If I want to try an alternative therapy for my pet, will I be eligible for coverage?

With Embrace insurance coverage, many alternative therapies are covered. These range from acupuncture, chiropractic care, physiotherapy, laser treatments, and more. Contact Customer Care if you have specific questions about an alternative therapy before you decide to pursue it as a treatment for your pet.

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