Embrace Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer

Updated Nov 26, 2024 | 18 min read

4.2

2,572 Consumer Reviews

Trustpilot, August 2023

Accidents

& Illness

Plans Offered

Routine Care

Add-On

Available

Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.

Pricing

Average Price For Dogs

$30-40 / month*

Average Price For Cats

$15-20 / month*

One-time Enrollment Fee

$25

Monthly Payment Processing Fee

Coverage Options

Annual Deductible

$100, $300, $500, $750, or $1,000

Reimbursement Rate

70%, 80%, or 90%

Annual Coverage Limit

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

Waiting Periods

Accidents

2 days

Illnesses

14 days

Orthopedic Conditions

6 months (14 days with waiver)

*only applies to dogs

Filing a Claim

File Claims

Online, mobile app, email, fax, or mail

Claim Expiration

60 days after the next policy renewal date

Average Claim Reimbursement

10-15 days

Enrollment Requirements

Age at Enrollment

6 weeks - 14 years

Medical Review

12 month history

Residency Requirement

valid US address

Get personalized pet insurance advice you can count on

See Your Recommended Plan

Embrace offers strong coverage and excellent flexibility compared to other plans. While there are a few restrictions pet owners should be aware of, Embrace is one of the best pet insurance companies in the industry.

Pros

Use any licensed veterinarian in the United States
Covers exam fees, prescription meds, and dental disease
Rewards healthy pets by reducing the annual deductible by $50 following a policy term in which no accident or illness claims are reimbursed
2-day waiting period for accidents
24/7 access to tele-med support
30-day money-back guarantee if no claims have been filed

Cons

Accident & Illness coverage is not available for senior pets ages 15+ enrolling in a new plan
6-month waiting period before orthopedic conditions are covered (unless a waiver is completed)

JUMP TO:

Embrace is a trusted and well-established pet insurance provider founded in 2003. Having sold its first policy in 2006, the company has more than a decade's worth of experience. Several brands offer Embrace Pet Insurance plans. These companies include Allstate, American Modern Pet Insurance, Armed Forces Insurance, Geico, and USAA.

What's Covered

Accidents & Illnesses
Breed-specific conditions
Orthopedic conditions
Diagnostic exam fees
Dental treatments
Prescription medications
Alternative therapies
Behavioral disorders
Euthanasia and end-of-life care

Optional Add on: Routine Care

What's Not Covered

Lost pet advertising and rewards
Vacation cancellation costs
Breeding, nursing, or whelping
Obedience training
Cosmetic procedures
DNA testing or cloning
Routine care (unless added to policy)
Pre-existing conditions

View Coverage Details

View Sample Policy PDF

Expert Insights

Does Embrace Pet Insurance cover dental?

"Yes, Embrace pet insurance offers coverages for treatments related to new dental accidents and illnesses, including dental extractions, periodontal disease, and endodontic dental treatments. Dental illnesses have reimbursements available up to $1,000 per policy term."

Kari Steere

Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Routine Care Add-On

When you add routine care coverage to your policy, you can get reimbursed up to a set amount per year for preventive costs that keep your pet happy and healthy.

Embrace wellness rewards work differently than other providers by reimbursing routine care costs on an annual allowance-based system. Policyholders can select a predetermined amount that they can use toward preventive services, such as vaccinations, parasite prevention, or spay/neuter surgery:

$250
$450
$650

There is no waiting period before you can file a claim, and you do not have to meet a deductible before Embrace wellness rewards kick in. Any remaining amount will not roll over to the next policy term.

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

How it Works

You can use Embrace Pet Insurance with any licensed veterinarian in the United States. Like most pet insurance plans, Embrace reimburses you for a percentage of eligible expenses on veterinary services rendered for unexpected accidents, injuries, or illnesses (after your deductible has been met).

1. Visit any licensed veterinarian, specialist, or emergency doctor — no referral is needed.

2. Pay for the visit upfront out-of-pocket at the time of your appointment.

3. File a pet insurance claim with Embrace through their app, website, email, fax, or standard mail.

4. Get reimbursed for a percentage of eligible veterinary expenses (depending on your plan's coverage).

LEARN MORE : Pet Insurance & How It Works: A Pet Parent's Guide

Embrace Pet Insurance Waiting Period

When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective, and you become eligible for claim reimbursement. The waiting period for Embrace Pet Insurance depends on the type of incident you need coverage for:

Accidents: 2 days
Illnesses: 14 days
Orthopedic Conditions*: 6 months (14 days upon completion of a waiver)

*The waiting period for orthopedic conditions only applies to dogs.

Filing a Claim

Window to File: 60 days after the next policy renewal date
Average Claim Reimbursement: 10-15 days
Reimbursement Methods: direct deposit or check

See how much Embrace pet insurance costs for your pet

Get a Quote

Embrace Pet Insurance Cost

On average, Embrace costs $15 to $40 per month for Accident & Illness coverage. Remember that pet insurance pricing depends on your animal's breed, age, zip code, and the coverage options you select. Getting a custom quote is the only way to get an accurate price estimate.

Average Price for dogs:

$30 to $40 / month

Average Price for cats:

$15 to $20 / month

Sample Prices

Embrace Pet Insurance cost estimates are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, TX.

Breed of Pet	6 Months Old	3 Years Old	10 Years Old
French Bulldog	$107	$116	$267
Labrador Retriever	$70	$76	$174
Domestic Shorthair Cat	$23	$27	$54

 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

Embrace offers a "diminishing deductible" that reduces a policy's annual deductible by $50 following a term in which no accident or illness claims are reimbursed
Policyholders receive a 10% discount for enrolling multiple pets
Military members are eligible for a 5% discount on premium rates
Pet owners who sign up through voluntary employee benefits receive a 10% discount
You can save $12 per year in processing fees if you decide to pay your premium annually instead of monthly

Embrace Pet Insurance Customer Service

Embrace has an award-winning customer service team and is particularly known for providing a great customer experience.

Monday - Friday: 9:00 AM to 8:00 PM ET

Saturday: 10:00 AM to 4:00 PM ET

 Customer Service: 800-511-9172

 Sales: 888-860-0838

 Fax: 800-238-1042

 General Email: hello@embracepetinsurance.com

Claims Questions: askclaims@embracepetinsurance.com

 Other Options: online chat, 24/7 tele-med support

Enrollment Requirements

Age at enrollment: 6 weeks - 14 years
Medical Review: Your pet must be examined by a veterinarian in the 12 months prior to the policy's original start date, or within fourteen (14) days of the policy's original start date
Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
One time $25 enrollment fee

How to Cancel Embrace Pet Insurance

To cancel Embrace Pet Insurance, call their customer service number at 800-511-9172 and ask to speak to a representative. Provide them with your pet insurance policy number and customer details. You can also cancel your policy by contacting their customer service team via email or by submitting a cancellation request through their website.

Embrace offers a 30-day free trial period. If you cancel within this timeframe, Embrace will refund your enrollment premium, provided no claims have been filed.

Please keep in mind that pre-existing conditions will follow your pet from policy to policy, so if you decide to sign up again later, whether with Embrace or another company, those conditions will still be considered pre-existing.

Expert Insights

Is Embrace Pet Insurance good?

"As a Pawlicy Advisor approved provider, Embrace offers excellent coverage, customer service, and fantastic savings opportunities through its Healthy Pet Deductible.

This makes it a great option for many pet parents. We love that Embrace covers dental work, exam fees, and prescription medications, while many of its competitors do not. This is great for breeds prone to dental problems like pugs, bulldogs, and boxers.

Embrace only has a 2-day waiting period for accidents, which is one of the shortest in the industry. However, coverage for orthopedic issues has a 6-month waiting period. This isn’t ideal for larger, more active breeds that commonly experience knee or hip problems like Golden Retrievers, Labradors, or Rottweilers."

Kari Steere

Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293


: Embrace Pet Insurance offers comprehensive coverage for your pet's health needs, including coverage for accidents, illnesses, dental work, regular checkups, and emergency visits. Your pet's dental accidents are covered up to your policy limit and dental illnesses are covered up to $1,000 per policy year. Additionally, Embrace distinguishes between curable and incurable pre-existing conditions, although no pet insurance company covers pre-existing conditions.

An optional Wellness Rewards program can cover costs for exam fees, vaccinations, spaying or neutering procedures, microchipping, and teeth cleaning. It's important to note that every pet insurance plan, including Embrace's, has waiting periods to prevent fraud. For example, Embrace has a 14-day waiting period for illnesses.

Embrace covers every unexpected accident and illness that could happen to your pet as long as it was not symptomatic or diagnosed prior to the start of coverage. However, Embrace does not pay the vet directly. After a veterinary visit, you'll need to pay the complete invoice and then submit an online claim form for reimbursement.
: Embrace Pet Insurance operates on a reimbursement model. After taking your pet to the vet for an injury or illness, you are responsible for paying the vet bill. You can then submit an online claim form for reimbursement. Reimbursements can be received via check by default, which usually arrives in 5-7 business days, or via direct deposit into your bank account within 1-2 business days.

How much you get reimbursed is based on how you choose to customize your policy. For instance, Embrace's Accident & Illness plans allow you to choose a deductible, a reimbursement rate, and an annual coverage limit. Generally, the higher the reimbursement rate and annual limits are, the higher the premium rate will be.

You can use your policy to cover a wide range of services from any licensed vet, including your pet's dental work, regular checkups, and emergency visits for unexpected medical conditions that occur after enrollment. Please note that all Embrace insurance policies have a 14-day waiting period for illnesses and 48 hours for accidents. Dogs also have a 6-month waiting period for orthopedic conditions.
: Yes, Embrace Pet Insurance does cover hip dysplasia. They offer insurance that covers hereditary conditions, genetic conditions, and breed-specific conditions, including hip dysplasia as long as the condition is not pre-existing.

However, it should be noted that there's a six-month waiting period for the coverage to begin. Embrace Pet Insurance can help cover the cost of diagnosing and treating hip dysplasia, which can be expensive. They have helped pet parents manage the condition with complementary treatments, as well. Please consult directly with Embrace Pet Insurance for the most accurate and detailed information regarding their coverage.
: Embrace Pet Insurance does not cover neutering as part of their standard insurance plans because it is considered preventative care. However, they do offer an optional program called Wellness Rewards, which can reimburse you for the cost of spaying or neutering among other routine procedures. So, while spaying and neutering are typically not covered under their Accident & Illness plans, you can opt for their Wellness Rewards program to get some coverage for these procedures.
: Embrace Pet Insurance does not typically cover vaccines under their standard insurance policy, as vaccines are considered preventative care. However, Embrace offers an optional wellness plan for pets known as the Wellness Rewards plan. This plan provides reimbursement for regular office visits and vaccinations among many other treatments, such as grooming and flea/tick preventatives. For an additional monthly fee, policyholders can add annual wellness coverage onto their policy in the amount of $250, $450, or $650 per policy term.
: On average, the cost of Embrace pet insurance is around $30 to $40 per month for dogs and roughly $15 to $20 monthly for cats. The lowest tier of coverage starts at $7 per month for cats and $14 for dogs. Keep in mind, the cost of Embrace Pet Insurance can vary depending on the type of pet, coverage level, and other factors. You should also be aware that as with all insurance providers, premiums do tend to increase over time.

For the most accurate pricing, get a personalized quote from Pawlicy Advisor at the lowest possible rate, guaranteed.

Embrace Pet Insurance Reviews

4.2

2,572 Consumer Reviews

Write a Review

I got embrace to cover those times that we can't brace for. Every claim I've filed has been handled quickly and if I ever have had questions, they've been handled quickly and thoroughly. I highly recommend embrace to anyone who needs pet insurance!

Jackie E.

August 25, 2023

I recently had a very sick dog that required hospitalization and a very huge bill. Embrace handled all claims in an expedient manner and sent my money sooner than you would expect. Great insurance company. One you can rely on. They live up to their promises and do everything they say they will.

Cheryl Z.

July 10, 2023

Embrace Pet Insurance Review 2024 (Official)

4.2

Why You Can Trust Us

Pricing

Coverage Options

Waiting Periods

Filing a Claim

Enrollment Requirements

Get personalized pet insurance advice you can count on

Embrace offers strong coverage and excellent flexibility compared to other plans. While there are a few restrictions pet owners should be aware of, Embrace is one of the best pet insurance companies in the industry.

Pros

Cons

What's Covered

What's Not Covered

Does Embrace Pet Insurance cover dental?

Routine Care Add-On

How it Works

Embrace Pet Insurance Waiting Period

Filing a Claim

See how much Embrace pet insurance costs for your pet

Embrace Pet Insurance Cost

Discounts & Ways to Save

Embrace Pet Insurance Customer Service

Enrollment Requirements

How to Cancel Embrace Pet Insurance

Is Embrace Pet Insurance good?

Frequently Asked Questions

What does Embrace Pet Insurance cover?

How does Embrace Pet Insurance work?

Does Embrace Pet Insurance cover hip dysplasia?

Does Embrace Pet Insurance cover neutering?

Does Embrace Pet Insurance cover vaccines?

How much does Embrace Pet Insurance cost?

Embrace Pet Insurance Reviews

Is Embrace is right for you?

Compare plans and pricing from the top providers

Make sure your pet gets the best care possible

More From Pawlicy Advisor

4.2

﻿﻿﻿﻿﻿﻿﻿﻿﻿﻿

Why You Can Trust Us

Pricing

Coverage Options

Waiting Periods

Filing a Claim

Enrollment Requirements

Get personalized pet insurance advice you can count on

Embrace offers strong coverage and excellent flexibility compared to other plans. While there are a few restrictions pet owners should be aware of, Embrace is one of the best pet insurance companies in the industry.

Pros

Cons

What's Covered

What's Not Covered

Does Embrace Pet Insurance cover dental?

Routine Care Add-On

How it Works

Embrace Pet Insurance Waiting Period

Filing a Claim

See how much Embrace pet insurance costs for your pet

Embrace Pet Insurance Cost

Discounts & Ways to Save

Embrace Pet Insurance Customer Service

Enrollment Requirements

How to Cancel Embrace Pet Insurance

Is Embrace Pet Insurance good?

Frequently Asked Questions

What does Embrace Pet Insurance cover?

How does Embrace Pet Insurance work?

Does Embrace Pet Insurance cover hip dysplasia?

Does Embrace Pet Insurance cover neutering?

Does Embrace Pet Insurance cover vaccines?

How much does Embrace Pet Insurance cost?

Embrace Pet Insurance Reviews

﻿﻿﻿﻿﻿﻿﻿﻿﻿﻿

﻿﻿﻿﻿﻿﻿﻿﻿﻿﻿

﻿﻿﻿﻿﻿﻿﻿﻿﻿﻿

Is Embrace is right for you?

Compare plans and pricing from the top providers

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﻿﻿﻿﻿﻿﻿﻿﻿﻿﻿

﻿﻿﻿﻿﻿﻿﻿﻿﻿﻿

Make sure your pet gets the best care possible

More From Pawlicy Advisor