Embrace Pet Insurance Review 2022

Last modified: March 25, 2022
  • Claims 9.5
  • Buying 9
  • Transparency 9
  • Coverage Variety 10
  • Value For Money 10
  • Financial Strength A+
  • BBB Rating A+
  • Coverages 5/5
  • Discounts Attractive discounts offered
  • Support Amazing customer support
  • User Ratings Amazing customer ratings
  • Availability All states
  • Pricing Affordable

Embrace Pet Insurance is a leading insurance company founded back in 2003. Unlike many other pet insurance companies, Embrace doesn’t just offer coverage for accidental injuries and illnesses, but also for wellness and preventive care. This is one of its biggest selling points among pet parents, as per Embrace Pet Insurance reviews.

Embrace is currently ranked as one of the best health insurance companies in the United States and is a proud member of the North American Pet Health Insurance Association. It administers health insurance by the Embrace Pet Insurance Agency, LLC, and is underwritten by the American Modern Insurance Group, Inc. Insurance providers including Allstate, USAA, Geico, and American Family also sell their services to Embrace Pet Insurance.

How We Reviewed

We spent many hours comparing the services of Embrace to other pet insurance companies in the country so that you can make an informed decision. As part of our research we reviewed:

  • Types of Embrace Pet Insurance policies and the coverage they provide
  • What coverages Embrace Pet Insurance does not provide
  • The deductibles and reimbursement percentages of the policies
  • The pricing plans 
  • Discounts 
  • The claim reimbursement process
  • Customer satisfaction and financial strength of the company
  • Embrace Pet Insurance rating and reviews
  • Comparison with other pet insurance companies

Where is it Available

Embrace Pet Insurance policies are available in all 50 states of the United States of America. However, the discounts are not. Make sure to check if your state is eligible for one. 

Embrace Pet Insurance headquarters are based at 4530 Richmond Rd Cleveland, OH 44128.

Types of Coverage

Embrace offers a wide range of pet insurance for cats and dogs with a number of customizable coverage options. The insurer offers a core accident and illness plan that provides reimbursements for treatments that are not a result of intentional or pre-existing conditions.

You can customize your options with five different limits, reimbursement percentages, and deductibles.  Embrace Pet Insurance reviews show that clients are extremely happy with the freedom they’re allowed to make their own plan.

Embrace also offers an accident-only plan, although it’s not flexible – pet parents will have to suffice with a $5000 limit, 90% reimbursement, and $100 annual deductible.

Although it does not offer lifetime pet insurance policies with unlimited benefits, it still has very high-limit options, with annual reimbursement limits going as high as $30,000. However, this will significantly raise your monthly premiums.

Here are some of the things that Embrace’s comprehensive pet insurance policy covers:

Accidents: If your pet is injured in an accident, Embrace has you covered. Pet accident insurance includes ingesting something poisonous or getting hit by a car. The coverage will also take care of the vet and consultation fees.

Illnesses: Embrace Pet Insurance will help your cat or dog if they fall ill, without any limits or exclusions.

Breed-Specific, Genetic and Hereditary Conditions: Embrace also provides coverage for illnesses and conditions like intervertebral disc disease and hip dysplasia, especially if your pet is of a breed prone to them.

Pet Chronic Conditions: There is no limitation on coverage if your pet suffers from chronic allergies and conditions like arthritis and diabetes.

Cancer Treatment: Diagnostics tests for pet cancer and its treatments, including chemotherapy, radiation therapy, surgeries, and alternative therapies are all handled by Embrace Pet Insurance.

Surgery: You won’t have to worry about surgery, including the exam fee, administration of anesthesia, overnight observation, medical waste fees, prescription drugs, rehabilitation, and follow up care.

Prescription drugs: Embrace offers pet prescription drug coverage for medication like antibiotics, insulin, ear drops, eye drops, steroids, anxiety medication, and pain killers.

Dental disease treatment: Embrace also provides pet dental insurance for gingivitis, crowns, root canals, extractions, and oral masses for up to $1,000 a year in most states.

Alternative therapies and rehabilitation: Procedures like acupuncture, hydrotherapy, physiotherapy, chiropractic, and therapeutic laser treatments are all covered by Embrace Pet Insurance.

Emergency veterinary care: Embrace covers all emergency hospital trips in case of unexpected injuries or illnesses.

Specialty vet care: Advanced care like a visit to an oncologist or an ophthalmologist is also handled.

Diagnostic testing: This includes coverage for biopsies, urinalysis, fecal exams, testing using fine-needle aspirates, and more.

Pet prosthetics and mobility devices: Embrace Pet Insurance offers coverage to get surgeries for fake limbs or carts as well as pays for follow-up visits.

Pet behavioral therapy: It also offers coverage for therapies for behavioral issues like aggression, digging, and marking.

Aside from these, you can count on Embrace Pet Insurance for:

  • Exam fees
  • Lab tests
  • Allergy testing
  • Medical boarding

Embrace Wellness Rewards Programs

Embrace Pet Insurance provides reimbursement for wellness and preventive care claims through optional non-insurance coverage. It acts as savings accounts and has a cap limit of $650 a year.  Keep in mind that you may need to make larger out-of-pocket expenses when paying for treatments.

The pet wellness plans will cover:

  • Wellness exams
  • Vaccinations
  • Preventive medication for flea, tick, and heartworm infestation
  • Prescription diet food, nutritional supplements, and medicated shampoos
  • Dental cleaning
  • Grooming
  • Spaying and neutering
  • Microchip embedding
  • Toenail tripping
  • Anal gland expression
  • Hip dysplasia exams
  • Burial or cremation


What Is Not Covered?

Things not covered by Embrace Pet Insurance include:

  • Pre-existing conditions
  • Routine vet care for dogs and cats
  • Pet pregnancy, breeding, and whelping
  • Injuries caused by intentional harm, abuse, neglect, fighting, or racing
  • Cosmetic procedures like tail docking, declawing, or ear cropping
  • Organ transplants
  • Avian flu
  • DNA testing and cloning
  • Stem cell therapy that is not medically necessary
  • Effects of nuclear war

Aside from Embrace Pet Insurance pre-existing conditions and the treatments mentioned above, the company also limits coverage for pets over the age of 14 that are newly enrolled in accident-only coverage. However, pets that were signed up before they turn 14 will not be dropped from the illness coverage once they reach that age.

Embrace Pet Insurance Cost

The pricing of pet insurance plans depends on a number of factors including your cat/ dog’s age, size, breed, gender, geographical location, history of the disease, health conditions, and more. Typically basic coverage starts for just $6 per month for cats and $12 per month for dogs.

If you want to look at an example, an average coverage plan for a 1-year-old dog can cost between $11.35 to $44.11 per month, while for a 12-year-old dog you will pay between $31.13 and $120.96. The coverage for a typical 1-year-old cat will be between $5.68 and $22.06, while for a 12-year-old cat it can cost anywhere from $14.71 to $57.15.

However, the wellness program offers much less budget-friendly options and can cost anywhere between $18.75 and $52.09. If you also want this add-on, keep in mind that it comes at double or triple the price of your standard pet insurance for dogs and cats in exchange for few benefits. In fact, you will only be able to save $25 before you hit your annual limit. 

This plan rather serves as a budgeting tool that can help you spread the cost of preventive care over the year. You also need to know that the unused amount is not reimbursed so you can end up losing money.

Additionally, Embrace may also charge you hidden fees in the form of a one-time $25 enrollment fee and a $1 monthly installment fee if you don’t opt to pay for the entire year in advance. This is mentioned frequently in Embrace Pet Insurance reviews.


Embrace’s USP lies in the fact that it offers the best diminishing deductibles in the pet insurance industry. For every claim-free year, the company offers a $50 discount on the deductible in the following term. You can also choose how much deductible you want to pay each year.

The amounts of annual deductible are $200, $300, $500, $750 or $1,000.

Aside from deductibles, the reimbursement percentages are marked at 70%, 80%, and 90%.

It also offer annual reimbursement limits of $5000, $8000, $10,000, $15,000, and $30,000. You may also get unlimited reimbursements if you contact them by phone, though the premiums and deductibles may be higher.

Embrace Pet Insurance Discounts

Embrace Pet Insurance offers a large number of discounts for pet parents and many of these can stack up to 25% off in most US states. Take a look:

Employee Benefits Discount: Up to 10% employee discount for companies offering Embrace Pet Insurance as part of their voluntary benefits program. Not applicable to all states Tennessee enjoys a 5% discount but employee discounts are not available in Florida, Hawaii, North Dakota, and Rhode Island.

Healthy Pet Deductible: The Embrace Healthy Pet Deductible is the same $50 diminishing deductible that is offered if you do not make any reimbursement claims in a given year. This discount is offered on all policies.

Multiple Pet Discount: Embrace multiple pet discount also gives you 10% off on your premiums.

Military Discount: There is a 5% discount for active or retired members of the Army, Air Force, Navy, Marines, and the Coast Guard once you provide proof of status.

Veterinary Practice Discount: 10% discount is provided for vets.

ACH Discount: This 5% discount is available only in New York when you pay via a bank transfer, instead of a credit or debit card.

Annual Pay Discount: This 5% discount is available only in New York when you pay for the full term of the policy in advance.

Spay/ Neuter Discount: 5% discount, again available only in New York for pets who have been spayed or neutered.

Embrace Pet Insurance Claim

Embrace’s claim process is fairly easy. Here is what you should do to file for reimbursement:

  • Go to www.embracepetinsurance.com and download the claim form from MyEmbrace account. Alternatively, you can also download it through the Embrace mobile app, from your enrollment email or call Embrace’s office to email it to you.
  • Add an invoice from your vet office which will verify you made the payments.
  • Send the Embrace Pet Insurance claim form and the vet’s invoice through the MyEmbrace account or the mobile app. Alternatively, you can also mail them at Embrace Pet Insurance, Claims Dept., P.O. Box 22188, Beachwood, Ohio.

On average, Embrace will reimburse you in 10 to 15 days and send you your money through direct deposit or a paper check.

Embrace Pet Insurance Waiting Period

Embrace’s waiting periods are shorter than those of other similar companies. Accident coverage starts a couple of days after the policy begins but you have to wait 14 days for illness coverage to begin.

You may have to wait 6 months for certain orthopedic conditions but if you have submitted an orthopedic report card, the time is cut down to 14 days.

Customer Satisfaction and Financial Strength Review

Embrace Pet Insurance BBB grade (Better Business Bureau) is A+. Its underwriter, American Modern Insurance Group has been given a financial stability rating of A+ from AM Best which suggests that the company will remain financially stable 18 months after an economic downturn. Consumer Affairs has also given it a 4.1-star rating. However, it only has a rating of 3.6 at Trust Pilot.

Embrace Pet Insurance reviews left by clients are mostly positive.

Many customers are pleased with Embrace’s fast reimbursement time for claims. They also praise the customer support department for promptly answering queries. 

But it’s not all rainbows and roses. Some Embrace Pet Insurance complaints include unfairly denied claims. A few clients say pre-existing conditions can be an issue as Embrace may deny coverage or payment for any observations made by the vet based on these conditions.

Embrace Pet Insurance Customer Support

You can approach Embrace’s customer service through a variety of channels including:

  • Embrace Pet Insurance Mailing Address:  PO Box 22188 Beachwood, OH 44122-0188
  • Embrace Pet Insurance Office Address:  4530 Richmond Rd Cleveland, OH 44128
  • Embrace Pet Insurance Customer Service Phone Number: (800) 511-9172 from Monday – Friday 8:30 am to 8 pm ET, Saturday 9 am to 1 pm ET.
  • Embrace Pet Insurance Fax Number: (800) 238-1042
  • Embrace Email Address: askclaims@embracepetinsurance.com
  • Embrace Contact Form: https://www.embracepetinsurance.com/contact-us


Comparison With Competitors

Embrace Pet Insurance vs Healthy Paws

Embrace has a maximum claim limit of $30,000 per year. Healthy Paws has an unlimited claim limit. Also, Embrace reimbursement time is 10 to 15 days, while Healthy Paws reimburses 99% of its claim in just 2 days. 

However, Healthy Paws has a 15 day waiting period for accidents while Embrace only has a 2 day waiting period. Embrace also offers more discounts in comparison to Healthy Paws.

Embrace Pet Insurance vs Trupanion

Trupanion offers unlimited lifetime per-condition deductible for pets, which means it charges a deductible only once for a single condition. On the other hand, Embrace offers annual deductibles and a $30,000 maximum annual limit on reimbursements.

But when it comes to pricing, Embrace Pet Insurance offers low-cost packages, unlike Trupanion. It also offers a lot of discounts, plus a wellness plan that can cover preventive and wellness care.

Trupanion also has a 5-day waiting period for injuries and a 30-day waiting period for illnesses, while with Embrace you’ll wait just 2 days for injuries and 15 days for illnesses.

Pros & Cons

The Pros

  • Offers comprehensive customizable coverage for most types of pet health concerns
  • Has a high reimbursement limit
  • Includes a free medical history review
  • Pet insurance bundles for multiple pets
  • Offers a number of discounts
  • Offers diminishing deductible for healthy pets
  • No per-incident limit claim

The Cons

  • Wellness package does not offer too many savings
  • Does not offer unlimited coverage limit
  • Charges hidden fees
  • Requires a call for unlimited claim option

Final Verdict

Embrace is one of the top choices if you are looking for accidental injuries and illness pet insurance coverage for your cats and dogs. You may also enjoy its wellness package which serves as a saving account to spread out your preventive care expenses over the year. 

If you are considering Embrace Pet Insurance coverage options, it is important that you read the fine print and then make your choice.


Does Embrace Pet Insurance cover spaying?

If you opt for the Embrace Wellness program, you will be covered for spaying.

Does insurance cover allergies?

Since allergies can develop at any point in life and are not necessarily related to the breed of your pet, Embrace offers coverage for allergies.

Does insurance cover medications?

Embrace Pet Insurance covers all prescription medications required for the treatment of accidents and illnesses.

How to cancel Embrace pet insurance?

If you think that Embrace isn’t working for you, you can cancel free of charge within 30 days of the start date. We suggest you read some Embrace Pet Insurance reviews before purchasing a plan.