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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Reviewed Feb. 23, 2026
My senior dog was initially diagnosed with hip dysplasia. That is frequently a misdiagnosis for IVDD. After eventually determining that was likely the cause he needed an MRI to confirm. I live in Iowa and there was only one place this was available-Iowa State Veterinary. During that time they closed during COVID. I called any AAHA hospital in the Midwest with an MRI and after days finally found one. Miraculously they said they could do it the next day. Embrace issued an urgent prior authorization while I coordinated my travel and it was done in time.
The only negative I have experienced is that a payment date is set when the policy is set up. They do not allow you to change that payment date (which is beneficial if you change jobs). At this time you aren’t allowed to change even once. I can change the payment date with my mortgage and car insurance so it seems reasonable to do this for my pet insurance as well.
Hello Amy,
We're glad to hear our team was there to help you and your dog during a challenging time and we sincerely appreciate you taking the time to leave us a positive review! The billing date of your policy is linked to the original start date and it is how any changes made to the policy are calculated. At this time, our system does not permit the dates to be unlinked and we are sincerely sorry for any inconvenience that may cause. We see you spoke with a representative regarding your concerns, but if you have any other questions please feel free to reach out and we're happy to help.
Best regards,The Embrace Team
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Reviewed Oct. 10, 2025
I just had the MOST amazing experience with their representative named Hannah!! She is the MOST enthusiastic and knowledgeable sales rep I have ever spoken to (I am 80 years old) and have been in real estate sales for 40 years. She listens and found the best plan for me. She made great suggestions, also. I felt as if I had my best friend helping me!
Hello Celia,
We’re happy to hear that your experience with Hannah was satisfactory and that their enthusiasm and knowledge helped to guide your decision to choose Embrace. Please do not hesitate to reach out if you have any questions or concerns as you continue to explore your coverage. Thank you again for taking the time to share your experience and for choosing Embrace to help keep your furry family member healthy and happy!
Best regards,The Embrace Team
Reviewed April 25, 2025
I’ve been a customer of Embrace for over 13 years, and I can't recommend them enough. I first signed up when I adopted my first dog, and during his later years when he became seriously ill, this insurance truly made all the difference. Every claim was handled exactly according to the terms, no surprises, no denied claims, and the process for submitting and receiving reimbursements was incredibly easy. Their transparency and straightforwardness gave me so much peace of mind during a really difficult time.
Now, I continue to use them for my two current dogs, and my experience remains just as excellent. Their customer service is outstanding. They are responsive, kind, and genuinely helpful. It's rare these days to find a company that maintains this level of consistency and trust over so many years. I'm so grateful to have found them, and I highly recommend them to anyone looking for dependable, honest pet insurance.
Hello Karolina,
Thank you for your heartfelt review and for being a loyal Embrace customer for over 13 years! We're truly honored by your continued trust and delighted to hear that our insurance provided crucial support during your first dog's later years. It's wonderful to know that our claims process was smooth and transparent, offering you peace of mind when you needed it most.
We're equally pleased that your experience with your two current dogs has been just as positive. Your praise for our customer service is greatly appreciated, and we're proud to have maintained a high level of consistency and trust over the years.
If you have any further questions or need assistance, please don't hesitate to reach out to us at embracesocial@embracepetinsurance.com or give us a call at 800-511-9172.
Best regards,The Embrace Team
Reviewed April 22, 2025
Embrace Pet Insurance is a standout choice for pet owners seeking comprehensive and customizable coverage for their furry companions. With a reputation for excellent customer service and a range of flexible plans, Embrace ensures that your pet's health and well-being are always a priority. One of the most impressive features of Embrace is its broad coverage options. From accidents and illnesses to hereditary conditions and alternative therapies like acupuncture, Embrace goes above and beyond to cater to your pet's unique needs. Their Healthy Pet Deductible program is a game-changer, rewarding policyholders with a $50 reduction in their deductible for every year they go without filing a claim.
Embrace also offers a Wellness Rewards program, which reimburses routine care expenses such as vaccinations, dental cleanings, and microchipping. This add-on is perfect for proactive pet parents who want to stay ahead of their pet's health needs. The claims process is straightforward and efficient, with many customers praising the quick reimbursement times and user-friendly online portal. Embrace's commitment to transparency and fairness is evident in their clear policy terms and willingness to cover curable pre-existing conditions after a symptom-free period.
While no pet insurance is perfect, Embrace comes close. Some benefits, like microchipping and end-of-life expenses, require an add-on plan, but the overall value and peace of mind they provide far outweigh these minor drawbacks. In summary, Embrace Pet Insurance is a compassionate and reliable partner for pet owners. Their dedication to providing top-notch coverage and support makes them a trusted choice for ensuring your pet's health and happiness.
Hello Timothy,
We understand the importance of finding the right pet insurance for your needs, and we're happy to hear your chose Embrace to help keep your fur babies healthy and happy. Your feedback is valuable advice for other pet owners, and we sincerely appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed March 27, 2025
Embrace comes with a high recommendation from me. I was pleased with my coverage when my dog was insured with them. Embrace has a very efficient and friendly staff and I have only ever had great service and a wonderful experience with them. I recently left Embrace only because I was able to find a better rate with better coverage for my pet at a different company. My decision to move companies was a financial and logistical decision, but didn't have anything to do with the quality of Embrace's service.
Embrace is partnered with USAA and I am a veteran, so having that extra discount and extra care/partnership between USAA and Embrace gave me a lot of comfort that my pet was getting one of the best options out there. I have an older dog, so I have to make considerations for him, but another friend of mine has a cat and still has their pet insured with Embrace. They have had nothing but good things to say about Embrace's cat insurance as well.
Hello Via,
Thank you so much for your kind words and feedback about Embrace! We strive to provide the highest quality service for all of our pet parents and USAA members, and we are glad to hear you had a great experience. While we are sorry to see you go, we hope you will consider Embrace in the future for your pet insurance needs.
Best regards,The Embrace Team
Reviewed Feb. 27, 2026
My first time using Embrace Pet, I was blown away with the customer service. I actually spoke to a live person not AI. I needed to register and file a claim online. Karen was Awesome! She walked me through the whole process including filing the claim and changing my password. By the time I changed my password and logged back in the claim was already processed. AMAZING!!! Highly recommend them!!!
Hello Janet,
We appreciate your kind words about our representative. We strive to provide excellent customer service and are happy to hear you had a positive experience!
Best regards,The Embrace Team
Reviewed Feb. 27, 2026
A claim I submitted was denied due to a pre-existing condition but could have easily been honored had the adjuster been transparent and asked if my pet had a procedure performed that would have removed the pre-existing condition. If denied a claim by Embrace always call in and ask questions.
Hello Teresa,
We regret any frustration you experienced with the processing of your claim. When processing claims, we go off of the medical record information we have received from your vet provider(s). However, any time you feel there was an incorrect assessment or there is additional information to provide, we welcome you to discuss your concerns with our team. We see a representative reached out to further address your concerns and resolve the issue. and your claim was reprocessed. If you have any additional questions please feel free to reach out and we're here to help!
Best regards,The Embrace Team
Reviewed Feb. 25, 2026
Embrace Pet Insurance is great. All associates are knowledgeable and willing to help with any questions. Thay are all very friendly and the insurance coverage is one of the best on the market. Claims are simple to submit.
Hello Mary,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've experienced friendly and knowledgeable service from our team. We sincerely appreciate your kind words, your recommendation, and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Feb. 25, 2026
Ellie Mae, my sweet Chi mix and I have been with Embrace for several years and have had great service. Their app is easy to use and I’m not a very techie person. The people on staff I sometimes need to talk to are always friendly and courteous.
Hello Bette Jean,
Thank you for the kind words! We're happy to hear you've experienced friendly and courteous service from our team over the years and we sincerely appreciate you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Feb. 24, 2026
I just got hit with a 264% increase from Embrace!!! I have had Embrace for my Bolognese since he was a puppy, since 2011. He is now over 15 and is still pretty healthy. The premium had been increasing as he got older, last year it was $2,260. They just sent me a renewal invoice for $8,230!!! I submitted a single claim in 2015, and was reimbursed $223. At the same time, they have not raised the maximum annual reimbursement from $10,000. Why on earth would I pay over $8,000 to be reimbursed up to $10,000, when I may not even spend $8,000 in a year?!?! This is criminal. They should have just said they aren't renewing. Waste of time. We are CA residents. I would be happy to join a lawsuit.
Hello Elyse,
Please know that we certainly understand your concerns with your recent renewal notice. Each year, Embrace conducts an actuarial analysis, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our renewal increases are based on multiple actuarial factors including the age of the insured pet(s), tenure of the pet(s) on the policy, and veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace, but the reality of the premiums is that they do go up over time as our pets get older to account for the increasing risk of illness and injury.
In situations like what you are facing at your renewal, we understand it can be hard to decide how to proceed. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time and we see a team member has followed up with you to provide additional assistance.
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
