Embrace Pet Insurance Reviews
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About Embrace Pet Insurance
Embrace Pet Insurance offers coverage for dogs and cats and reimburses pet owners for preventative veterinary care, grooming and behavioral training with no per-item limits. Embrace charges a monthly premium and helps cover expenses if your pet needs emergency medical attention or another service.
- Use any vet
- Offers vanishing deductible
- Accident-only coverage
- Not all policies available online
- No zero-deductible options
Featured Reviews
How does Embrace Pet Insurance work?
When you sign your pet up with Embrace, you can take them to any vet for the services they need. You are not required to use a vet within a specific network. Once your pet has been treated, you complete the claim form, submit it and are reimbursed for services and treatment covered under your plan.
There are different coverage levels to choose from, and you can downgrade or upgrade your policy at any time. When you insure your pet with Embrace, they are covered for life. Your coverage never drops based on your pet's age or health.
Cancer treatment, behavioral therapy and breed-specific conditions are covered, and the company reimburses you for vet exam fees. Dogs and cats under the age of 15 are eligible for full coverage, and pets older than this are eligible for accident-only coverage.
Embrace has a unique online resource that lists the most popular dog breeds and their most common breed-specific medical conditions. This can help pet owners choose the right coverage for their pets.
Embrace Wellness Rewards program
Embrace’s Wellness Rewards program, which can be added to your policy, reimburses you for preventative care. This includes wellness exams, microchipping, spaying/neutering, vaccinations and flea medication.
There are three annual allowance options for Wellness Rewards reimbursement:
- $250 allowance per policy year
- $450 allowance per policy year
- $650 allowance per policy year
Embrace Pet Insurance coverage
Embrace is transparent about what policies do and do not cover. The company’s website lists the different coverage options and defines eligibility requirements and guidelines for preexisting conditions.
- Accidents
- Accident-only insurance is only available for pets 15 and older. This plan covers your pet if it ingests a foreign object, is cut or is hit by a car. This plan reimburses you up to $5,000 each year. You’ll pay a $100 deductible once a year, and then you're reimbursed 90% of your veterinary bills when your pet experiences an accident.
- Illnesses
- Embrace covers every illness from nose to tail with no precondition limitations. This means if your pet is prone to breed-specific illnesses, medical treatment is covered under your plan.
- Dental issues
- Dental pain can be very uncomfortable and sometimes dangerous for pets. Dental work on animals can also be very expensive. Embrace covers dental treatment for periodontal disease, gingivitis, root canals, crowns, oral masses and extractions. Up to $1,000 in dental work is covered per year.
- Cancer and chronic conditions
- Cancer coverage is included in all plans and includes everything from the consultation testing and radiation to chemotherapy, surgery, hospitalization and rehabilitation. Cancer treatments are one of the most expensive medical treatments for pet owners, and chemotherapy can run $150 to $600 a dose. Cancer coverage means you can give your pet a fighting chance without worrying about how you’re going to afford it.
Embrace Pet Insurance also covers a wide range of treatments including:
- Alternative therapies and rehabilitation
- Behavioral therapy
- Specialist care
- Emergency veterinary care
- Diagnostic testing
- Hospitalization and surgery
- Prescription drug coverage
- Prosthetics and mobility devices
Conditions not covered
The list of what Embrace does not cover is shorter than the list of what it does cover. Basically, Embrace covers treatment and services that are crucial to the health and well-being of your pet, but not cosmetic services, breeding, whelping or preexisting conditions.
How much does Embrace Pet Insurance cost?
Dog insurance costs average around $30 to $40 per month, and cat insurance averages around $15 to $20 per month. Embrace has a one-time enrollment fee of $25 and a $1 monthly processing fee for those who pay monthly.
Embrace lets you customize your plan, so you can choose the deductible, the reimbursement percentage, any riders or optional coverage add-ons and annual maximums. You know your pet and your budget, and Embrace has coverage options to fit them both.
Embrace Pet Insurance FAQ
Is Embrace Pet Insurance good?
Yes. Pet lovers all over the country trust Embrace to help them cover unexpected medical bills for their pets. Embrace is a member of the North American Pet Health Insurance Association.
Does Embrace Pet Insurance cover vaccines?
Vaccines are covered by Embrace's Wellness Rewards program because receiving them is considered preventive or routine care, but routine care is not covered by the insurance policy itself.
Can I use Embrace Pet Insurance at every vet’s office?
Yes. Embrace does not use a network for vets. You can take your pet to any veterinarian, specialist or emergency hospital you like.
What’s not covered by Embrace Pet Insurance?
Embrace Pet Insurance does not cover cosmetic services, breeding, DNA testing or preexisting conditions.
Is Embrace Pet Insurance worth it?
Pet insurance is a service you hope you never have to use but are thankful to have it when you need it. Embrace Pet Insurance is a reputable company that makes pet ownership more affordable. Having insurance means you never have to deny your pet medical attention because of your finances.
Embrace Pet Insurance Reviews
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- 4,642,665 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
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Reviewed Aug. 29, 2024
I have 2 black labs, and never thought I could afford to do pet insurance for one dog, let alone 2. One of my pups has a serious health condition- Addison's disease. When I inquired about coverage for him, reps were very upfront in letting me know that I might want to consider stepping him down to Accident Only coverage, as many health problems he may have in the future could be tied to his pre-existing condition and not covered. I really appreciated this honesty. I would not have thought about this- indirect ties back to the disease, i.e) like potential stomach issues that may or may not be due to either his disease OR from the meds he takes for it- many times there wouldn't be a way to tell if the disease was a part of any health condition he may have, so coverage could be denied..
Embrace could have elected not to elaborate on this, and I would have gone on paying the full premium only to find out months later when I got a vet bill for him that it wasn't covered. I now have him on the very low cost accident only coverage, which is saving me a decent amount of $ every month. His brother has full coverage, and when I think of the price I'm paying for the year, it's well worth it. Just one trip to an emergency vet is most likely going to run you a minimum of $1-2K, and often, as we found with our poor Addison's boy, much more than that. Check them out, they will go through all their different options with you and answer ALL of your questions. Great Customer Service!
Hello Carol,
Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with our Customer Care team and service!
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Reviewed July 14, 2024
My Dog's bills have been in the thousands of $$$ and embrace has come through and lived up to their end of the deal with the accident and illness policy I purchased when he was a puppy. It can take a while to get reimbursed but this falls not just on Embrace but on your vet clinic responding to their inquiries quickly. My Dog's specialist vet is very fast to respond and it shows because I get reimbursed for those visits much faster that I did at his regular vet. I don't know yet if we'll be dropped because of his numerous bills or if the rate will go up a lot when it's time to renew but as of now my experience has been great!
Hello Sabrina,
Thank you for taking the time to share that feedback, we are happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you! We do not drop insured pets or reduce coverage due to age or claims. Our premiums are set by our data team and based on the overall claims actuarial data. Some of the factors that impact premiums each year include the age of a pet, tenure of the policy, and inflation. The increase in your pet’s age, regardless of how old they are, is the main factor. There is a much higher risk that comes along with a pet getting older. Tenure, which is the number of years a pet has been insured on a policy, is also a premium factor. We try to keep up with the actuarial fluctuations as best as we can and adjust premiums accordingly from year to year! If you have any additional questions, please feel free to reach out and we're happy to help!
Reviewed July 7, 2024
I have had Embrace pet insurance for almost a year since we got out our precious golden retriever and Labrador mix. I had always used PetSmart but with rising costs it made more sense to look into pet insurance I can use anywhere. I’ve had to submit about 4 claims so far. The first 2 were wellness for her shots and regular checkups. It was super easy to submit a claim and I got paid quickly once her records were verified. She has had 2 sick visits so far and when there was an issue with retrieval of documents, I was able to call and speak with a very nice and knowledgeable representative. The next day I got an email and everything was fixed, pushing the claim through!
We are very grateful we have such great insurance because our girl had a bad allergic reaction this week and it cost us a lot of money! So knowing we will be getting a large portion of that back helps us have a peace of mind. The only negative is the app can be fidgety and slow at times, but I have noticed that it has gotten a little better. We will definitely be renewing each year!
Hello Theresa,
Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with our Customer Care team and claims service!
If you are experiencing any technical issues with the MyEmbrace portal, we recommend following the troubleshooting steps below:
1) Clear your browser history/cookies/cache if you are using a web browser (it's most important to clear your cache)2) Restart your Internet router/modem
3) Use Google Chrome as the MyEmbrace portal tends to be most compatible with that browser
4) If you are using the mobile app, please make sure you have the latest updates installed, and deleting and reinstalling the app will typically help clear up any errors
If you have any additional questions or concerns, please feel free to reach out and we're happy to help!
Reviewed June 8, 2024
I used another company before getting Embrace & I can tell you without a doubt, Embrace's customer service puts them to shame. I've been very impressed with Embrace; can't say enough good things about them. Their policy options are extensive & you can basically create a plan that's perfect for you & your furry best friend. Their submission process is SO easy, their communication is wonderful & reimbursement for covered expenses is very quick. If you're on the fence about choosing a company, you can't go wrong with Embrace!
Here's an example of how awesome they are. The vet I was using just prior to getting my Embrace policy was seized & I was unable to get ANY of my dogs records. I sent them everything I had, but they needed more information that only my vet had. It took a few months of searching on both our parts, but it was futile. Meanwhile I had taken my dog to my new vet for a routine checkup. Embrace, like every other pet insurance company, requires a wellness exam within a certain time period from the start of a policy. Unable to obtain prior records, Embrace moved the start date of my policy for the wellness portion to fit the time frame of this most recent checkup & they refunded me every penny I had paid to date. They, in great detail, informed me of this decision, but I had no idea they were going to issue me a refund, that was a wonderful surprise.
Hello Barbara,
Thank you for sharing that feedback! We're glad to hear you had a positive experience with our Customer Care team and that the issue was resolved to your satisfaction!
Reviewed April 30, 2024
Not happy with such a big rate increase. I have used Embrace for a few years. The rate keeps going up too much. I have a healthy dog and a happy one. I will continure to use Embrace, but again not happy getting such a large rate increased. We have a great vet and she submits all claims.
Hello Deanna,
Thank you for providing that feedback. We certainly understand your concern in regard to premium increases! Premiums increase over time with all insurance products, and pet insurance is no exception.Our premiums are set by our data team and based on the overall claims actuarial data. Some of the factors that impact premiums each year include the age of a pet, tenure of the policy, and inflation. The increase in your pet’s age, regardless of how old they are, is the main factor. There is a much higher risk that comes along with a pet getting older. Tenure, which is the number of years a pet has been insured on a policy, is also a premium factor. We try to keep up with the actuarial fluctuations as best as we can and adjust premiums accordingly from year to year.
However, Embrace's coverage structure allows each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. If you are interested in exploring these options, you can do so via your MyEmbrace account under "Change Coverage" and can view more detailed instructions here: http://help.embracepetinsurance.com/en/articles/4428785-changing-your-pet-s-coverage. You can also view more information about premium increases here: http://help.embracepetinsurance.com/en/articles/4733863-why-did-my-premium-change.
I see you already spoke with a representative, but if there is anything else we can assist with, please send an email to hello@embracepetinsurance.com or give us a call at 800-511-9172 and we're happy to help!
Reviewed April 7, 2025
The agent who I spoke with, Gary **, was very knowledgeable and very patient with all my many questions. He helped me choose the best coverage for our one year-old cat. I had never gotten insurance before, but he helped me decide on a good coverage that worked best for our situation.
Hello Carmel,
Thank you for your kind words! We’re so glad to hear that Gary was able to assist you in selecting the best coverage for your cat and made your first pet insurance experience a positive one. We’ll be sure to pass along your appreciation to him!
If you ever have any questions or need further assistance, feel free to reach out at embracesocial@embracepetinsurance.com.
Best regards,The Embrace Team
Reviewed April 4, 2025
Sarah set me up with the perfect pet insurance for my Darling Rod! Sarah is a perfect Associate for Company! Then, Sherlyn! Another Perfect Associate for your Company! These two Associates show so much respect, loving and care that I’ll refer your company to family and friends! Thank-you! Rod and Patty **
Hello Patty,
We are so glad to hear that Sarah helped get Rod excellent coverage with Embrace, and Sherlyn was a great help as well! We look forward to assisting you and your friends and family in keeping your pets healthy and happy for years to come.
Best regards,The Embrace Team
Reviewed April 3, 2025
Like a lot of insurance companies, they take your money and don't pay on claims. My pet had a tumor removed that was different from other cyst.. They said it was a preexisting condition and it wasn't covered. My Vets said this Tumor was not the same as the preexisting cyst. Other claims with them were also turned down.. They were legit, they weren't covered.
Hello Robert,
We are sorry to hear of your disappointment with your policy regarding the decision on your submitted claims and the pre-existing conditions identified for your pet. We want to assure you we are committed to providing consistent coverage for pets throughout their life, and 92% of the claims we receive qualify for coverage. We strive to be as upfront as possible in regard to what we can and cannot cover, however we are unable to provide coverage for pre-existing conditions. These are identified as your pet having shown signs, symptoms, or having been diagnosed with the related condition prior to the policy purchase or within the waiting or exclusionary periods. We understand at this time you have chosen to end your coverage but if you have any further questions, please do not hesitate to reach out and we can review with you.
Best regards,The Embrace Team
Reviewed April 2, 2025
Knowledgeable and friendly and easy to talk to and all questions were answered. Will certainly recommends EMBRACE anyone with a pet, cat, or dog. Your pet is a lifetime responsibility. I take that very seriously and have ALL my pets. Am looking forward to working with EMBRACE for a long time. Believe in insurance for pets.
Hello Elizabeth,
Thank you for letting us know you are happy with the service you have received from Embrace! We look forward to helping your furry family members stay happy and healthy for many years to come.
Best regards,The Embrace Team
Reviewed April 1, 2025
Embrace has decided to raise their rates with the unbelievable explanation that they did a deep dive into the market and found out they were undercharging. What are they scuba divers? At least come up with something original and not an overused lie. My one dog has zero claims. And the other one about 1500 for the year. I was paying 198.00 now raised as of May to 298.00. Embrace has wonderful customer service agents. I feel the management team that came up with this malarkey, should be the ones to take the calls. I think it is cowardly to hide behind the customer service agents.
I have been with embrace for approximately 9 years and feel like I am locked in due to my one dog who is 8 years old and would be considered to have pre existing conditions if I changed insurance companies. So I am stuck. I think the customer service agents should receive the raises, not the team that instituted the raises, that we are all now having to pay. I feel most sorry for the animals whose families will no longer be able to afford coverage. SHAME on you! I don’t know how you can look at yourselves in the mirror.
Hello Deborah,
I am sorry to hear of your dissatisfaction with your insurance renewal. We take that feedback seriously and are always looking for ways to improve our customer experience. The information provided regarding the reasons for this increase is correct, rates can increase as pets get older due to their increased risk of developing an accident or illness and as veterinary medicine becomes more advanced. We are happy to go over adjustments to your policy to keep your furry friend insured and reduce your monthly premium, while also ensuring they remain covered for any conditions currently eligible under your policy. We appreciate your feedback, and are glad to hear that you have found our Customer Care Embracers to be helpful and meet your needs, even during a time of frustration with your policy.
Best regards,The Embrace Team
Embrace Pet Insurance Company Information
- Company Name:
- Embrace Pet Insurance
- Year Founded:
- 2003
- Address:
- 4530 Richmond Road
- City:
- Cleveland
- State/Province:
- OH
- Postal Code:
- 44128
- Country:
- United States
- Website:
- www.embracepetinsurance.com
