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Embrace Pet Insurance Review 2024: Pros, Cons, & Verdict

Nicole Cosgrove Profile Picture

By Nicole Cosgrove

Embrace insurance review _ hep _ 2024

For many of us, pets are more than just animals; they’re cherished members of our families. We also understand that this comes with a great deal of responsibility, with no higher purpose than ensuring their health and well-being.

Like us, our pets can face unexpected health issues and accidents that may require costly medical care. For peace of mind during times of crisis, Embrace Pet Insurance is an essential resource, providing financial assistance when your furry friend needs it most.

Our Verdict

We give Embrace Pet Insurance a rating of 4.8 out of 5 stars.

Embrace Pet Insurance Review

  • Good range of other discounts to further reduce premiums
  • Highly customizable plans
  • Covers dental illness
  • Includes some complementary treatments
  • Optional wellness products available
  • The maximum age for new enrollments is 14
  • Supplements and prescription food not covered
  • Wellness coverage is restricted

About Embrace Pet Insurance

Embrace Pet Insurance has been active since 2003, and offers highly customizable insurance policies, especially when it comes to deductibles. They also offer dental coverage, and there is an optional wellness* product that can be purchased.

Embrace Pet Insurance offers a highly customizable insurance package that offers up to 90% reimbursement and annual limits from $5,000 per annum to unlimited in most states. They also offer a selection of discounts that can help reduce policy premiums, including multi-pet discounts, and a discount for former or active military personnel in most states.

Coverage includes the cost of examinations and treatment, as well as some complementary therapies for covered conditions. It also includes dental treatment, which isn’t standard with all insurers. However, Embrace doesn’t include supplements and prescription food in its standard policy, and you will need to purchase their wellness* product that can be used on these.

Embrace’s wellness rewards* product essentially offers you a $25 saving per annum, but to get any benefit from the plan you need to spend your full allowance because leftover allowances are not reimbursed. This isn’t unusual for a wellness plan, with most having similar restrictions, but it is worth noting.

Policies include accident-only and accident and illness plans. Accident and illness policies are the most commonly chosen policies for pet owners and Embrace’s policies cover most of what you expect with some exceptions.

While some insurers won’t offer new policies to dogs aged 9 or older, the maximum age for new enrollments with Embrace is 14, which is generous. And as long as you keep paying the premiums and enroll before this age, your pet can enjoy coverage for life.

Acupuncture, laser therapy, and other complementary treatments are included, but prescription foods and supplements aren’t: you need to take out their optional wellness* product for that. Pre-existing conditions, cosmetic procedures, and any accidents or illnesses caused by breeding, fighting, or mistreatment are not covered. Contact them directly for a full list of exclusions.

Pricing & Plans (Updated in 2024)

Base Policy

Embrace Pet Insurance offers a choice of base policies:

  • The accident-only policy doesn’t cover illnesses but it does cover injuries and conditions caused by accidents. This includes bloat, and the policy covers prescription costs for these incidents. This is only available for purchase online for pets 15 years or older.
  • Accident and illness protection covers the costs of examinations, treatment, and the cost of hospitalization where required for covered conditions. Prescription medication is covered as part of the policy and Embrace covers hereditary and congenital conditions, although it doesn’t cover pre-existing conditions. You also have the option to remove prescription drug coverage and exam fee coverage to reduce your monthly cost in most states.
  • Optionally, you can also purchase a wellness product that is separate from the insurance. With their wellness plan, you pay monthly and then can then use the allowance you are given for routine care costs including vaccinations and flea and tick treatments. It can also be used for reimbursement on supplements and prescription food. Generally, you pay $225 for a year’s wellness coverage and can then spend $250.
  • Contact Embrace directly for a full list of coverage and exclusions.


Embrace Pet Insurance can be customized to meet your needs, rather than forcing you to adjust to a boilerplate policy. This is one area where Embrace clearly stands above its competitors.


The deductible is the amount you pay before your insurance policy kicks in and pays a portion of the bills. Your options with Embrace are:

  • $200
  • $300
  • $500
  • $750
  • $1,000

Higher deductibles typically yield lower premiums.

Annual Limit

Your annual limit is the total amount of treatment costs that your insurance will pay after your deductible and reimbursement rates. So, if you have an annual limit of $5,000, and the total treatment over the year comes to $4,000, you will get help with all of the bills. If your deductible is set at $500 and your reimbursement rate is 90%, you will pay $850 and your insurer will pay the remaining $3,150 and you would still have $1,850 of your annual limit remaining. Embrace offers annual limits of:

  • $5,000
  • $8,000
  • $10,000
  • $15,000
  • $30,000
  • unlimited

Reimbursement Rate

The reimbursement rate is the amount of the eligible vet bill that the insurer pays, with you paying the remainder. Embrace offers reimbursement options of:

  • 70%
  • 80%
  • 90%

*Note that amounts can vary. Please contact Embrace Pet Insurance directly for a full list of options.

Wellness Coverage

Wellness coverage is an optional product that essentially offers you reimbursements for preventive treatments for conditions like fleas and worms. It can also be used to reimburse the cost of spaying or neutering. Wellness coverage levels from Embrace are:

  • Pay $225 per annum – receive $250 per annum wellness coverage
  • Pay $425 per annum – receive $450 per annum wellness coverage
  • Pay $625 per annum – receive $650 per annum wellness coverage

Deductibles & Claims

Deductible and reimbursement limits can be customized according to your preference. The higher your annual or lifetime limit, and the lower the amount you will be liable to pay towards any incidents, the higher your premium is likely to be but the less you will have to pay if the need arises. You can choose from the following options:

% of Medical Expenses
  • 70%
  • 80%
  • 90%
Annual Deductible Options
  • $200
  • $300
  • $500
  • $750
  • $1,000
Maximum Coverage Options
  • $5,000
  • $8,000
  • $10,000
  • $15,000
  • $30,000
  • Unlimited

Note that this can vary. Contact Embrace directly for a full list of options.

What Does Embrace Pet Insurance Cover?

Coverage Item Annual Limit
Heartworm treatment To annual limit
Dental illness To $1,000 per annum
Veterinary examinations To annual limit
Tests and diagnosis To annual limit
Hospital treatment To annual limit
  • Behavioral therapy
  • Dental illness
  • Genetic and congenital conditions
  • Cancer treatment
  • Exam fees
  • Diagnostic testing
  • X rays
  • Complementary treatments
  • Chronic conditions
  • Orthopedic conditions
  • Prescription medications
Not Covered
  • Pre-existing conditions
  • Bilateral conditions
  • Supplements
  • Prescription food
  • Routine care
  • Breeding and pregnancy-related conditions
  • Stem cell therapy
  • DNA testing
  • Cosmetic procedures

Pre-Existing Conditions

Embrace Pet Insurance doesn’t exactly cover pre-existing conditions, but instead makes a distinction between curable and incurable conditions by examining 1 year of your pet’s health history. For example, if your pet undergoes treatment for a curable condition and remains symptom or treatment-free for at least 12 months, any new incidents of that illness will be covered as a new condition. However, they will not cover incurable diseases like diabetes.

Waiting Periods

There is a 2-week illness waiting period which begins on your effective date.

Waiting or exclusion periods for orthopedic conditions vary by state. Contact Embrace for waiting periods specific to your state.

Reviews from Customers

Embrace Pet Insurance has received generally positive reviews from its customers, who especially praise its customer service and the range of customization options that are available with a policy. Claims are also easy to submit and are generally processed in a matter of days, according to reviews. However, the level of customization available means that some customers find the policy options to be difficult to understand.


Does Embrace cover preventive and routine care?

Embrace’s insurance policies do not offer wellness, preventive, or routine care coverage. However, they do offer an optional wellness rewards* product that can be added to your policy for an additional cost.

What is the maximum pet age for new policies?

As long as your pet is registered before it turns 15, you can take out an accident and illness policy and, as long as you keep up the policy, it can be retained throughout the pet’s life. Pets that have not been registered by the age of 15 can still get an accident-only policy. Many insurers only offer new policies up to the age of 9 or 10, so Embrace’s maximum age is generous.

Are there claim limits on conditions?

There are no individual condition claims, only an annual limit. Your annual limit, which can range from $5,000 to unlimited per annum depending on the state, can be used on any number of conditions, illnesses, or accidents, and resets on the anniversary of your policy.

Does Embrace insure any type of pet?

Embrace currently only offers insurance for cats and dogs, so if you are looking to insure any other type of animal, you will need to find another insurer.

Does Embrace offer multi-pet discounts?

If you have two or more eligible pets and insure them all with Embrace, you can get a 10% discount on your policy.

Our Verdict

Embrace Pet Insurance is one of the most experienced pet insurers in the U.S., having been offering its insurance policies to cat and dog owners since 2003. Their policies are customizable so you can get the level of coverage you require, and they can include generous annual limits. You can also add an optional wellness rewards product*, which provides you with an annual allowance to use on costs like prescription food as well as flea and worm treatments.

New policies are available for pets up to the age of 14, which is generous compared to many other insurers. Overall, Embrace is average priced but its comprehensive coverage means that it offers good value for the money.

Copyright 2005—2023 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 is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2023 American Modern Insurance Group, Inc.

  • 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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