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Embrace Pet Insurance Review 2023: Pros, Cons, & Verdict

Chelsie Fraser

By Chelsie Fraser

embrace pet insurance

In This Review: Our Review | Pricing & Plans | Coverage | Deductibles & Claims | FAQ | Conclusion

Embrace offers basic accident-and-illness coverage for dogs and cats. Claims can be easily submitted through Embrace’s mobile app. There’s a short waiting period for coverage but only one option for a wellness care package. It covers spay or neuter surgery, as well as wellness visits and vaccinations. There are decreasing deductibles for each year that you don’t make a claim.

Our Verdict

We give Embrace Pet Insurance a rating of 4 out of 5 stars.

Embrace Pet Insurance Review

  • You can use any vet you choose
  • Claims can be submitted through a mobile app
  • Two-day waiting period for accident coverage
  • Decreasing deductibles for zero claims
  • Only covers dogs and cats
  • No preventative care or wellness coverage
  • 6-month waiting period for coverage for orthopedic illness
  • No pre-existing condition coverage
  • $650 limit on wellness coverage
  • Does not cover prescription food

Other Top-Rated Pet Insurance Companies

Most Affordable
Our rating: 4.3 / 5
Most Customizable
Our rating: 4.5 / 5
Best for Direct Payments
Our rating: 4.0 / 5

About Embrace

Embrace is one of the oldest pet insurance companies in the industry. It was established in Cleveland in 2003 and is partnered with American Modern Insurance Group. Embrace only offers insurance for dogs and cats, so it won’t be an option for other pets. It offers basic plans, short waiting periods for accident coverage, and decreasing deductibles for clients who don’t make many claims. If you are looking for simple, no-nonsense coverage with easy claim submission, Embrace is a good choice.

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Pricing & Plans (Updated in 2023)

Pet Insurance Cost Comparison

Company Sample Monthly Cost for Dogs Sample Monthly Cost for Cats Learn More
Lemonade $19.44 $11.00 Get Quote
Spot $19.44 $24.61 Get Quote
Embrace $45.98 $17.68 Get Quote
ASPCA $45.98 $24.61 Get Quote

Base Policy

Embrace offers one plan for accident-and-illness coverage. This includes coverage for:

  • Vet bills
  • Exam fees
  • Treatments
  • Alternative treatments
  • X-rays
  • Hospitalization
  • Allergy testing
  • Accidents and illnesses that are not pre-existing


Embrace has one add-on package for optional wellness rewards. The package costs between $18 and $53 per month. You can add $250, $450, or $650 worth of annual coverage limits for preventative care, which includes routine wellness checks, spay or neuter surgery, microchipping, and vaccinations. The add-on plan pays 100% of your treatment costs up to your annual limit.

Customization options with Embrace include being able to choose between three different reimbursement rates, five annual coverage limits, and five deductibles. If you want cheaper pet insurance premiums, you can choose a higher deductible and lower reimbursement amounts, but it’s important to be aware that this may result in higher out-of-pocket costs when you make a claim.

Reimbursement Options: 70%, 80%, or 90%
Annual limits: $5,000, $8,000, $10,000, $15,000, and $30,000
Deductible options: $200, $300, $500, $750, and $1,000

Embrace Price Comparison for Dogs

Golden Retriever Yorkshire Terrier
Male or Female Male Female
Age 1 year 10 years
Location California California
Reimbursement Level 70% 90%
Annual Deductible $750 $750
Annual Max $5,000 $10,000
Price per Month $37.43 $60.04
Breed Name Under 1 Year Old  5 Years Old
Golden Retriever $40.25 per month $43.87 per month
Border Collie $29.15 $31.77
Labrador Retriever $40.25 $43.87
Shih Tzu $27.99 $30.51
Beagle $37.94 $41.35

Deductibles & Claims

There are several different options for deductibles and claim coverage to customize your Embrace policy. Here, we outline what these look like, but you can choose any combination of deductible, reimbursement percentage, and annual reimbursement limit in your Embrace policy.

% of Medical Expenses Annual Deductible  Maximum Coverage
70% $750 $5,000
70% $1,000 $10,000
80% $200 $30,000
90% $500 $15,000

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What Does Embrace Cover?

Embrace offers an accident illness plan that covers a wide variety of conditions, along with a wellness package add-on. There are several things that Embrace covers that are not covered by many other pet insurance companies.

Coverage Item Annual Limit
Wellness Exam Up to maximum annual coverage limit
Spay or Neuter Surgery Up to maximum annual coverage limit
Microchipping Up to maximum annual coverage limit
Anal Gland Expression Up to maximum annual coverage limit
Dental Illness Up to a maximum of $1,000/year
Vaccinations Up to maximum annual coverage limit
  • Allergy testing
  • Dental illnesses
  • Breed-specific congenital conditions, including hip dysplasia
  • Cancer treatments
  • Chronic conditions
  • Preventable diseases
  • Orthopedic conditions
  • Complimentary therapies and rehabilitation
  • Emergency care
  • Hospitalization or emergency surgery
  • Veterinary specialist care
  • Behavioral therapy
  • Diagnostic testing
  • Prescription medications
Not Covered
  • Pre-existing conditions that were diagnosed within 12 months of applying for coverage
  • Breeding or pregnancy
  • DNA testing
  • Any injury resulting from neglect
  • Cosmetic procedures
  • Avian flu
  • Routine exam fees (unless you purchase the wellness care add-on)

Pre-Existing Conditions

Like most pet insurance companies, Embrace does not offer coverage for pre-existing conditions. However, it defines pre-existing conditions a little differently than most other insurance companies.

When you apply for coverage, you will be asked for a 12-month medical history of your pet. This will be the history used to establish pre-existing conditions. Most pet insurance companies require a 24-month history.

If your pet had a curable condition within the 12 months before enrollment but remains symptom and treatment free for 1 year afterward, that condition will be eligible for future coverage.

Waiting Periods

There are several different waiting periods for coverage with Embrace. It has a 2-day waiting period for accident coverage, one of the shortest of any pet insurance company. Illness coverage has a 14-day waiting period, and there is a 6-month waiting period for coverage of orthopedic illnesses.

Reviews From Customers

Here are a few things that customers say about Embrace pet insurance:

  • It has above-average customer service.
  • Its policies are complex and difficult to understand.
  • It has an easy claim submission.
  • The customer service representatives are knowledgeable.
  • Claims are processed in under 2 weeks.
  • There’s a bit of confusion over what qualifies as a pre-existing condition.


Does Embrace pet insurance offer wellness plans?

Embrace offers a Wellness Rewards add-on that can be purchased in addition to its standard policy, but it is not a standalone insurance policy. The package offers a fixed amount of coverage for wellness exams, spaying/neutering, vaccinations, and grooming. Unused amounts of coverage cannot be rolled over for future use.

Does Embrace cover pre-existing conditions?

No, Embrace does not cover any condition that has been diagnosed within 12 months of purchasing a policy.

Does Embrace cover dental care?

Dental care is not covered as part of Embrace’s accident/illness plan, but it is covered under its Wellness Rewards add-on package.

Does Embrace have coverage limits on specific conditions?

When you sign up for your policy, you will choose your annual maximum coverage limit. Embrace pet insurance does not have a lifetime maximum for claims. The only condition with specific coverage limits is dental coverage, which is a maximum of $1,000 per year.

How long does it take to receive reimbursement from Embrace?

After submitting your claim form (which you can do online or through the app), you can expect to receive your reimbursement within 10 to 15 days. This will be sent via direct deposit to your bank account or via check.

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Our Verdict

Overall, Embrace is a trustworthy and reliable option for pet insurance. It has a quality accident/illness policy and a reasonable wellness add-on. While the wellness package add-on covers things that most other pet insurance companies don’t, it has a relatively low annual limit. That said, if you don’t file many claims, you can benefit from Embrace’s decreasing deductible. There are also multiple customization options for adjusting your coverage limits, deductibles, and reimbursement percentages, and these choices will adjust your premiums accordingly.

If you want basic accident-and-illness coverage for your pet that will give you peace of mind in an emergency, Embrace is a good choice. If you are looking for more comprehensive wellness coverage, you may be better off with a company that offers standalone wellness packages or higher coverage limits.

  • Hepper acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.

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