Embrace Pet Insurance

Embrace Pet Insurance

 3.5/5 (306 reviews)
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Embrace Pet Insurance

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Overall Rating3.5 out of 5
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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.

Pros & Cons


  • Use any vet
  • Offers vanishing deductible
  • Accident-only coverage


  • Not all policies available online
  • No zero-deductible options

Bottom Line

Embrace Pet Insurance reimburses dog and cat owners for the most common medical services and treatments. It covers accidents, illnesses and breed-specific conditions.

Top Embrace Pet Insurance Reviews

Rated with 5 stars

My dog had surgery last month. The procedure was covered and Embrace was super easy to work with and efficient. My reimbursement was in my account just weeks after the surgery. Th...

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Rated with 5 stars

When your otherwise healthy 13-year old pup has a small lump, you need to know, what is it, has it spread, and what can we treat it? I was so happy I’d made the decision to have B...

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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 14 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.

Older pets can benefit from Embrace’s accident-only coverage plan. 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.
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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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 8, 2023

Not only has Embrace lived up to all my expectations, but more importantly- they care! After 30+ years in having animals, I finally decided it was time to get pet insurance. I purchased both well care as well as sick/injury. 5-1/2 months later, our 12 year old dog got very sick and was hospitalized in the ICU for 5 days. Embrace covered everything they were supposed to from the hospitalization as well as her follow up care. Unfortunately, our sweet girl died a month later.

When I called to tell the representative that she had died and I needed to remove her from the policy, the representative showed so much compassion, telling me how sorry he was. He let me know how much our new monthly premium would be. Since I had already exhausted my “well” pet amount for the year, I asked if they would continue to charge me for that. He told me absolutely not. When a customer loses a beloved pet, they just forgive the remainder of what I had used but not yet paid. They did not have to do that. That extra kindness when people are already suffering so much is worth more than they know! I have recommended to Embrace to all my fur-family friends!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 8, 2023

    I couldn’t be happier with my pet insurance plan with Embrace... My dog was recently diagnosed with a terminal illness, which was heart-wrenching news to receive, and Embrace has provided both peace and comfort at a time we needed it the most. It is PRICELESS to feel comfort in knowing I can provide the best and necessary care for my pet at the end of her days with the help of Embrace. I can’t begin to express my gratitude, and believe me when I say I have already raved about this company to anyone who will listen. It is so, so important to have insurance for your pet, especially in times like these. It’s worth every penny I pay. Thank you, Embrace Team, for always being patient with me over phone or email, and taking time to speak with me about my claims or concerns. I will appreciate you forevermore.

    Embrace Pet Insurance response

    Hello Jasmin,

    I'm so very sorry to hear that news about your dog! We are glad to hear though that your policy has been there to help alleviate some of the financial stress and allows you to choose treatments based on the best care options available, not based on the cost. Thank you for taking the time to share that feedback, we sincerely appreciate it. Sending well wishes to you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 12, 2023

    My 4 year old mastiff was diagnosed with cancer last week. We are facing surgery and chemotherapy. We have had Embrace since he was a baby. So far Embrace has been fabulous! All claims processed and money back within 3 days. Thank you so much for making this process so easy. We have so much to worry about and I am so grateful that money is not one of them and we can focus on taking care of our boy.

    With the claim process going so smoothly through the testing and diagnosing part of this it is a huge weight off my shoulders to feel confident that it will be the same through the surgery and treatment part. I submitted three claims each in the evening after each visit and by the following night each one was approved and I have already received the reimbursement for all of them. I would be in a complete meltdown if I had to figure out how to pay for all of this out of pocket. Palmer is my best friend and just as important as our children are. I can’t thank you enough for taking so much stress of our shoulders!

    Embrace Pet Insurance response

    Hello Shannon,

    We're happy to hear you had a positive experience with your claims and that it helped alleviate some of the financial stress. We sincerely appreciate you taking the time to share that feedback!

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    Customer increased Rating by 1 stars!
    Verified Reviewer Verified Buyer
    Resolution response: Sept. 6, 2022

    Embrace Representative explained to me that, ‘they are unable to provide coverage for pre-existing conditions, defined as anything diagnosed or symptoms prior to starting the policy and through the initial waiting periods.’ I understand now those months in waiting was for clarification of pre-existing conditions. After the pre-existing conditions was clear, all the claims afterwards going very smoothly and quickly. I’m appreciated the 90% pay back as stated in the policy. I would recommend Embrace Pet Insurance to my friends and neighbors. My dog’s veterinarians also recommend Embrace to other clients.

    Original review: Sept. 4, 2022

    I purchased pet insurance for my 8 years old large dog since January 07, 2022. The waiting period for illness cover is 2 weeks, equals to January 21, 2022. 01/19/2022, my dog got a mass under his right front paws and it was hurting him badly. I brought him to the Veterans for surgery, that day cost $714. Because of it was within the waiting period, so this cost was not covered. 2/23/2022 and 3/9/2022, I brought my dog to checking up, the veterans did digital radiographs, exams and medicine, discovered my dog had heart failure, these 2 bills were $347 and $357, and they were applied to policy deductible of $750, so I didn’t receive any reimbursement either. Start the claim of 3/29/2022 of $70, after applied to the remain deductible, I received a check of $10. Since the deductible was fully applied, all the claims after 3/29/2022 are reimbursement 90% to me.

    It is very nice to see the 90% of expenses coming back! But the process to start receiving reimbursement took 3 to 4 months. My dog was serious sick, in the waiting for approval, I had to pay out from my own pocket for over $1000. I was going a hard time to keep brought him to veterans, bought his medication, or decided to put him down. My dog was a warrior dog, he had chased out thefts, caught snakes and other harmful animals in the back yard. It was tearing our hearts to make a decision to pay for his treatment or let him go. I’m glad we went through the hard time and now he is getting well and we received payment back. I wish we didn’t have to wait this long for the approval to go through.

    Embrace Pet Insurance has great customer service representative, every time I called, they answered my questions clearly and explained things in detail. If you consider to buy pet insurance, maybe you should choose the lowest deductible as possible, and bring the pet to the veterans after the waiting period. When in time of need, $750 is a lot. I’m appreciated the reimbursement I have received now, it is way over the premium I pay for the year.

    Embrace Pet Insurance response

    Hello Lang,

    Unfortunately, we are unable to provide coverage for pre-existing conditions, defined as anything diagnosed or symptomatic prior to starting the policy and through the initial waiting periods. But we're glad to hear the processing for the other eligible claims went smoothly and we appreciate you taking the time to share that feedback!

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    Rated with 4 stars
    Verified Reviewer
    Original review: Sept. 2, 2022

    It's refreshing not to have to wait for customer service to answer a call. The customer service rep was gracious, understanding & had the change I needed to make completed immediately. I'm very satisfied with the service I received during this call! However, overall their policy is complex for an older pet. My complaint with Embrace is understanding and/or remembering what's required when you make a claim & how long they take to process a claim. (Yes, you can read the lengthy policy but you'd have to do that every time.)

    For example, I provide the documentation required but then they request the complete medical record of the pet from the veterinarian. If they're going to do that then I shouldn't have to submit anything but the pet's name & the invoice or remember what is or isn't covered. Filling out the form is time consuming & rendered redundant since they're going to request the complete medical record anyway. They must be trying to find out if your claim can be declared part of an existing condition. In that respect, they're just like any other health insurance company (people or pets).

    Embrace Pet Insurance response

    Hello Kathi,

    Thank you for taking the time to share that feedback! If you have any questions or would like further clarification in regard to the claims submission process, please feel free to send an email to askclaims@embracepetinsurance.com or give us a call at 800-511-9172 and a representative will be happy to go over it with you!

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    Rated with 5 stars
    profile pic of the author
    Verified Reviewer Verified Buyer
    Original review: May 22, 2023

    Having insured my dogs with Embrace has been one of the best decisions I have made in my life, they have perfectly covered each of my pets' medical events, especially my dog ​​Leo because he turned out to be an epileptic dog, they have been there attending to each of the emergencies. Embrace has been a blessing and a peace giver in the midst of all that having an epileptic dog entails.

    Embrace Pet Insurance response

    Hello John! Thank you for including the adorable picture! We are so glad we could be there for you and Leo! Give those cuties some ear scratches from us!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 20, 2023

    Hallie was amazing. She was very kind, helpful, and knowledgeable. She answered every question I had and even helped with light tech support. I ended our call with so much peace of mind. I know how to file a claim when the time comes.

    Embrace Pet Insurance response

    Hello Nicole, thank you for the shout out to Hallie! We will pass your kind words along. We are so glad they were able to help!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 19, 2023

    My dog has a couple of checkups and all done for some things that were not right with him. The staff were very helpful with getting things pre-approved and letting me know what to do. It has been a helpful insurance so far.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: May 18, 2023

    So I had my 1st claim for my dog. I will say I didn’t like hearing it could take up to 30 days because they pulled all of his records from the vet. I did appreciate being kept in on what steps they were on with the process. It was taking the vet I go to a minute to provide them with what they needed so I was able to see that & call myself & tell them to provide the information requested. Things moved quicker after that & it was approved. The second claim for the same illness was approved fast because they had all the info. So overall I was satisfied & was out of pocket only for about 3 weeks.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 16, 2023

    This loss was especially difficult given the age of our dog and the quick decline leading to our need to euthanize her. She was only 7 years old and we had her with us exactly 2 years to the day when we had to say goodbye. The claims representatives were very compassionate and helpful in explaining how to file my claim and what coverages we had. Once we submitted the necessary invoices, the claim was reviewed and we received the payments for this claim. In addition we received a lovely tribute sympathy card from the claims rep who we worked with. I will definitely return as a customer once we have adopted another Golden Retriever.

    Embrace Pet Insurance response

    Hello Kathy, I am so sorry to hear of your loss. Loosing a loved one is not easy. We are glad we could be there for you during such a hard time. Please know our thoughts are with you and I hope you soon find peace in the happy memories you share.

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    Embrace Pet Insurance Company Information

    Company Name:
    Embrace Pet Insurance
    Year Founded:
    4530 Richmond Road
    Postal Code:
    United States