Embrace Pet Insurance Review 2016 | Vet-Verified Embrace Pet Insurance Review 2016 | Vet-Verified


Healthy Paws Pet Insurance and Foundation.

Embrace Pet Insurance Review

Embrace Pet Insurance Review

Embrace Pet Insurance offers one simple, easy-to-understand plan

One Simple Plan

Embrace offers one simple plan that covers everything from ongoing cancer treatments to surgery for swallowed objects. Set your own reimbursement levels and deductibles based only on the coverage your pet needs.

First, choose your reimbursement amount. Choose a 70%, 80%, or 90% reimbursement and keep in mind that as the reimbursement percentage goes up, so does your monthly payment.

Then, select the annual deductible that’s right for you. Embrace’s deductibles are $100, $200, $300, $500, $750, or $1000 per year.

  • Accidents
  • Illnesses
  • Genetic Conditions (such as hip dysplasia)
  • Chronic Conditions (such as asthma)
  • Dental Trauma
  • Cancer Treatment including Chemotherapy
  • Pre-existing conditions
  • Prosthetic lims or devices
  • Breeding, whelping, or pregnancy
  • Cremation or burial
  • Organ transplants
  • Injury caused by you or someone in your home
  • Injury from fighting,racing,cruelty,or neglect
  • Cosmetic procedures
  • DNA testing or cloning
  • Radiation poisoning
+ What's Covered
  • Accidents
  • Illnesses
  • Genetic Conditions (such as hip dysplasia)
  • Chronic Conditions (such as asthma)
  • Dental Trauma
  • Cancer Treatment including Chemotherapy
+ What Isn't Covered
  • Pre-existing conditions
  • Prosthetic lims or devices
  • Breeding, whelping, or pregnancy
  • Cremation or burial
  • Organ transplants
  • Injury caused by you or someone in your home
  • Injury from fighting,racing,cruelty,or neglect
  • Cosmetic procedures
  • DNA testing or cloning
  • Radiation poisoning
Embrace Wellness Coverage
Spaying or Neutering
Treatment for Fleas, Ticks, and Heartworms
Pet Vaccinations
Wellness Examinations
Routine Blood Tests
Pet Microchipping
Prescription Pet Food
Dental X-rays, Cleanings, and Fillings
Natural Supplements
Prescription Shampoo For Skin and Fur Problems
Professional Behavior Training
Wellness Rewards coverage requires an extra monthly payment in addition to your regular premium.

Embrace Wellness Details

The Wellness Rewards Plan by Embrace is an optional add-on for routine care coverage and everyday veterinary expenses. Wellness benefits include dental care, routine blood work, prescription food, and even behavioral training. For puppies and kittens, Wellness Rewards offer spaying or neutering, vaccinations, expert behavioral training, and flea and tick prevention.

Unlike the standard policy, the Wellness Rewards plan offers 100% reimbursement with zero deductible and no co-pay. There is also no waiting period so you can use the coverage immediately. Choose one of three annual limits based on your pet’s wellness needs.

Three Annual Limits to Choose From


$18.00 per month


$32.50 per month


$46.95 per month

Vet-Verified Review

Last updated 7/3/2016. By Dr. Pippa Elliot, BVMS, MRCVS

Embrace keeps pet insurance refreshingly simple with one core plan that you customize to meet your individual budget. The plan protects your pet in the case of accidents, injuries, illnesses, and hereditary or congenital conditions.

Our veterinarians ranked Embrace in the top 3 for generous coverage payouts, extensive genetic and congenital health coverage and a state of the art wellness program. Alternative therapies, emergencies, nursing care, surgeries, rehabilitation, and diagnostic testing are also included in the core plan.

You can adjust your monthly payments by selecting your own deductible, reimbursements, and annual payout limits. Annual deductibles range from $100 to $1,000. Choose between Reimbursements of 70 to 90 percent of the actual vet bill. Annual benefits range from $5,000 and $15,000 per year.

Boost your plan with optional wellness coverage that takes care of routine care and procedures for your pet.The Wellness Rewards option also works as a flexible spending account by giving you an annual $250 to $600 to use to cover dental cleanings, flea and heartworm prevention, nutritional supplements, spaying or neutering, and prescription medications.

Start Quote

Our Final Grade


Overall Satisfaction Rating
(Based on overall customer satisfaction)
How Our Ratings Work

Our Rating Criteria
Above Average Claim Approval –
96% Customer Satisfaction Rate –
24/7 Phone and Email Support –
8/10 Customers Stay Enrolled –

Real Customer Reviews

Average customer review 4/5

“The Best Plan Out There”

boxer puppy embrace pet insuranceI found out about pet insurance after my dog got sick. I applied to all the major plans and Embrace was the only one that would cover him with his pre-existing condition.

1-Year-Old Purebred Boxer
San Francisco, CA

“We Love Embrace”

mixed breed cat embrace pet insuranceWe’ve gone through a few pet insurance plans for our cat and the claims we submitted were usually denied. Embrace has covered every claim we’ve submitted so far.

4-Year-Old Mixed Breed Cat
Houston, TX

Embrace Facts

  • Offers $50 Annual Healthy Pet Deductible™ Discount
  • $2 From Every Policy is Donated to a Pet-Related Charity
  • Embrace Runs a Foster Cat Shelter out of Their Office!

Embrace Pet Insurance Q & A

What alternative therapies does Embrace cover?

One of Embrace’s notable perks is the wide range of alternative therapy coverage included in every plan. While you may find that many plans cover chiropractic care and even acupuncture, Embrace extends alternative care options that to include massage therapy, holistic, homeopathic treatment, and veterinary orthopedic manipulation (VOM). Therapeutic laser treatment, rehabilitation, electro acupuncture, BICOM therapy, hyperbarics, and reiki are also covered.

Embrace Premiums cost $9-$125 per month. Is The Coverage Different?

The scope of coverage is the same for the core Embrace plan, regardless of your premium. Your dog is covered for treatment and care related to accidents, illnesses, and breed-specific conditions. You can add prescription medications with an inexpensive rider. The big price difference in the premiums comes from differences in the annual limits, deductibles, and the percentage you’ll be reimbursed.

Less expensive premiums typically result from choosing lower annual limits, higher deductibles and lower reimbursement levels. Request a quote and you can play around with the different annual limits, deductibles and reimbursement levels to see which one results in a premium and coverage level that works best for you.

Is Embrace a Better Value Than Other Pet Insurance Plans?

Let’s say your vet bill is $1,000 and you have a $200 deductible and a 20 percent co-pay. Companies that apply the co-pay first would charge you 20 percent of $1,000, or $200, and then they would apply your deductible to the remainder.

Embrace applies your deductible first to reduce the $1,000 to $800. It would then apply your co-pay, which would now be 20 percent of $800, or $160. Right off the bat you have saved $40 on this bill alone since your co-pay was $160 instead of $200. Embrace’s discounts can save you even more money and you can investigate these options when you request a quote.


2016 Winners


Healthy Paws

Read Review



Read Review



Read Review

One Great Plan Covers Everything

Embrace offers one simple plan to cover all your vet bills.

The Average customer review for Embrace Paws is 9.4 out of 10
9.4out of 10
Review Date
Reviewed Item
Embrace Pet Insurance
Author Rating

  • Chrissy

    No deductible, no co pay and no waiting period! My dog’s health insurance is better than mine! 😉 Best money I have ever spent on my dog! This will save all dog lovers a lot of money in the long run!

    • Pet Insurance U

      Hahahah – you’re right, Chrissy! We’ve found most pet insurance plans sound better than the human health insurance plans we have over here!
      All the goodies you mention, however, are for the wellness coverage Embrace offers to cover routine wellness care.
      When it comes to coverage for medical and accidents:
      Embrace does have an annual deductible- but you can choose one as low as $100 (or all the way up to $1,000).
      It also has a co-pay, which is based on the percentage reimbursements. You co-pays, thus, could be as low as 10 percent of the vet bill (with 90 percent reimbursement).
      Embrace also applies the co-pay AFTER the deductible, which reduces your out-of-pocket expenses even more.
      And there is a waiting period, too, although it’s only 14 days for illnesses – and only 14 days for orthopedic conditions of you get a waiver from your vet. Very SHORT waiting period compared to many other pet insurance plans – and prob. ALL human plans!

  • Patti

    No co pay is amazing! Getting this for my pup Dot (she’s a bull terrier). She hasn’t been neutered yet or anything so I think this is the perfect plan…. I agree with the poster below- this insurance is better than mine.. I hope things don’t go south with pet insurance like they have with human insurance lol.

    • Pet Insurance U

      Excellent, Patti! Glad to hear the wellness coverage is a good fit for Dot. As we mentioned in comment to Chrissy, the wellness option has no co-pay but other insurance options for medical and accidents do have one.
      And we, too, keep our fingers crossed every day that pet insurance doesn’t end up in the same ridiculous mess that now plagues human insurance!
      Thanks for comment!

  • Julian Holst

    I’ve heard nothing but good things about this company, including their rating as far as paying claims. Some companies have great benefits, but if they don’t pay out, what’s the point? I’m about to purchase some insurance for my puppy, and after checking their pricing, I find out I can get wellness included in her plan, which includes spay/neuter and a lot of others. The price quote I got was $22.95 for a $5,000 limit, $500 yearly deductible, and 90% repayment based on the vet bill. You could get a lower deductible and go with 80% repayment if you didn’t want to pay such a high deductible, but I’m mainly concerned with the really high-cost kinds of problems like accidents and whatnot. But with the wellness plan, I almost meet my deductible after one teeth cleaning, a spay, neuter, flea control, etc., so the year after that is just $22.95 per month protection against a catastrophic event like getting hit by a car or getting a serious disease. To me, this is a no-brainer. 🙂

    • Pet Insurance U

      Julian! Your comments are always so full of good info – and it sounds like you’re rocking your research into pet insurance options. Good job and thanks! for your ongoing input!

    • Embrace Sucks

      I am hoping that your puppy does not have any medical history. I thought the same thing when I purchased the insurance but that became the worst decision I have ever made. They will try whatever they could to decline the claim and explained it as pre-existing conditions even though you and your vet know that’s not the case. Then it comes to the appealing process. Firstly, they told me that their consultant vet (who has never seen my pet nor could they provide proof that their consultant vet reviewed every single world of the medial history) believes it is a pre existing condition because of test A, however test A could be impacted by other things therefore a conclusion cannot be made if Test B proves that test A is caused by something else. Once my vet and I proved that guess what, they told me that they still cannot cover the claim because there is another pre existing condition which again was just a wrong interpretation of test results happened years ago. It almost let me feel that when they cannot give you a reasonable explanation for the wrongdoing at the first place they try to find all these details happened in the past to justify their decision even though they are unrelated. They do that because they want to delay the process and hope people will just forget it. When being asked what need to do to overturn the case they said: We will send questionnaire to your vet to fill out. No response two weeks after my vet sent the questionnaire back to them and I had to call them everyday for the answers, once you are on their “blacklist” they will not return your phone calls or sometimes emails. Some days later they emailed me saying the information provided by the vet was not enough but no explanation whatsoever. I asked my vet to send me what they filled out and it turned out their questions were very vague, they either do not know what are the right questions to ask or they try to avoid to ask the right question because that’s not what they want to see. It has been four months since the day I started to fight with embrace and it turned out to be a very stressful experience and it makes me almost want to give up. It was not until recently when I told them I am going to initiate legal action that they started to cooperate and told me and my vet what exactly we need to do and provide. This could have been done four months ago. I am not discouraging people to get pet insurance because they could be a good thing, I want people to be aware of the unlawful practices in this industry, please please do not give up when they reject your claims because of what they called the pre existing condition, we need to fight so that they will stop bullying the pet parents.

  • Is that a lab mix pictured in the beginning? I’m not good at identifying breeds but I love that puppy.

    Embrace sounds like a great company and I love the wellness plan. I might be wrong but I think that’s the first that I’ve seen of a company covering (even in wellness plan) for prescription shampoo. I love that! My dog has a very bad skin condition that causes him itchiness and discomfort along with patches of pink on his skin. Special shampoo is very important for him and other dogs but sometimes can be costly. I hope that some other pet insurance companies began to cover prescription shampoo.

    I also like that behavioral training is included in the wellness plan. With plans starting at $9, I’m not sure that it can get any better!

    • Serena

      I’m in the same boat! With Embrace, I am able to provide my cat with treatments for all of her allergy symptoms. I can try natural supplements and prescription shampoos that will help give her a better quality of life. Not to mention the fact that if she is ever injured or needs surgery, I will be able to get her the care she deserves. I’ve finally found great wellness coverage in a plan that fits within my budget!

  • Kendra Justine

    This company has some very affordable options. I do like that they cover a wide array of non-traditional therapies. I personally enjoy more holistic approaches to health care for myself and my pets also. I see that it also covers vaccines and flea, tick and heart worm treatment. That is a very beneficial because a lot of plans don’t including the plan that my pets are currently under. I’m so happy I found this site, it is so helpful for comparing and finding different pet insurance plans. I’m going to browse the site a little more before I decide who I want to go with, but Embrace Pet insurance is definitely going on my list to consider. Nice post. Thanks!

  • Anastacia

    Having one core plan that I can customize to my budget sounds great. It really is simple! I like that cancer treatment is covered. We’ve lost a cat to cancer before because treatments became too cost prohibitive. It’s heartbreaking. Wish I would have known about this plan back then!

    • Justina Roberts

      We lost a cat to cancer, too, before we looked into pet insurance. We did not have the money for treatments and were in the same shoes as you. Once I pick my plan I’m going to talk to any one I know with a pet and encouraged them to get coverage because it’s really unexpected but you should still be prepared – it could happen to anyone (or any pet). I’m sure you were great humans to your cat, I wish you the best & lots of love.

  • john

    German shephards often get hip dysplasia problems and knowing that pet insurance specifically takes care of it ,its awesome , i am really looking forward to embrace pet insurance!

  • Embrace seems like it’s uncomplicated, and I like that.

    You get the one core system and add what you feel you need. Customization has some appealing factors – as not all pets (or pet owners) have the same needs.

    I like that this company has an option for professional behavioral training. This is unique to me – and I have a few friends who’ve needed to have their pets go through some basic training. This can be quite expensive out of pocket, so it’s cool to see it included in an insurance plan.

    The fact that there is no waiting period is awesome too. You definitely want the coverage to start as soon as possible since anything can happen at any time.

  • Graysse

    Let’s Embrace the awesome deals!!!! Now this is a customer oriented pet insurance company! It’s super affordable and covers such a wide range of diseases. When my dog got sick most of the insurance companies I approached didn’t want to assist me… But Embrace saved my dogs life.

  • ronline betit

    One of the most beautiful features of this company is its dental and cancer medication. The ratings are high and the features are nice. It’s affordable too and covers most of the health needs of our pet.

  • Sharon James

    Wow! I am so impressed by the comprehensiveness of the Wellness Rewards Plan. I tend to be the over-protective puppy mom who worries about every little itch, bump, or scratch her dog gets! This protection will allow me to try more options to help treat my dog’s allergies, and give me the peace of mind that she is covered- no matter if it’s just me being over-protective, or something actually serious.

  • Benny R.

    The Wellness Rewards Plan by Embrace is going to be my choice for pet insurance when I adopt my shelter dog next week! She is a young dog, but knowing that we can afford blood tests, vaccinations, and flea, tick, and heartworm treatments is so important. We are so excited to bring her home, and this plan will help ensure she has a long, happy, and healthy life with us.

  • Ujjal Karmakar

    I heard many good things about Embrace pet insurance company. It has many awesome features that one can do insurance with this company. It has two premium plans. Monthly premium quote for low coverage offers 70 percent reimbursement, $500 deductible, no annual limits and Monthly premium quote for plans with comprehensive coverage offers 90 percent reimbursement, $100 annual deductible, $5,000 annual limit, drug coverage rider etc. The most interesting thing is the wide range of alternative therapy coverage. It is amazing.

  • I love how you can choose the quota as well as all the packages they offer. I can be at peace now knowing my 3 yorkies have so many kind of coverages even wellness. No co-pay, no waiting. It makes me wish I was any of my three lovely Yorkies. I have to admit they are better covered and insured as my own self. Pet Insurance U is one of the truest pet insurance out there, they comply on everything they claim, and for that my Yorkies and are greatful!

  • I’m so happy with the fact that they cover cancer treatments, it shows that they actually care about the animals. I don’t know how I haven’t heard of this insurance company before, it offers way more than my present one does and it doesn’t even cost as much! I’m making a change for sure. this is an insurance that I can be at peace with.

  • Kendra Justine

    Your website has so many good plans to choose from, I’m really having a difficult time narrowing it down. Your information is so good! This is the second time I’m looking at Embrace. I feel like this is the plan for me. It covers everything I really need for my cat. I’m going to go with Embrace I need to just take one more look at the other plans. Thanks again for this. Life and time saver!

  • This is a great option for a pet health insurance.I have a lot of friends who pay pet insurance and they say it is the best money they ever spent. Can you really put a price on a piece of mind? Embrace Insurance has done something that I haven’t heard before and that is to customize your plan.Being able to set your own reimbursement levels and deductibles makes so much sense simply because no one knows your pet better than you.

  • What more can a person ask for with this type of insurance coverage? The embrace plan is very nice. And, it covers cancer treatments!
    Wow! Animals swallow different kinds of foreign objects all of the time. However, there are times that swallowing the wrong foreign object could mean a trip to the animal hospital.
    And, for the Embrace plan to cover this? This is great! No more concerns coming from me!

  • Momi Nul

    Wow! I am so satisfied by the comprehensiveness of the Health and fitness Benefits Strategy. I are generally the over-protective dog mom who problems about every little itchiness, push, or the beginning her dog gets! This security will allow me to try more choices to help cure my dog’s allergic reactions, and provides me the satisfaction that she is covered- no issue if it’s just me being over-protective, or something actually serious.

  • comment_blog

    Embrace offers one simple plan which cover all vet bills, which is okay. Because they are fast in delivery their service. Am so happy when i recommend it to my friend and he later gave me good feedback about them. Embrace you are so good.

  • Hardeep Singh

    I have had Embrace for two dogs for about a year and I am extremely satisfied with their service, coverage, timeliness, honesty, website and reimbursements. I don’t think there’s a better option out there!!!

  • Sissy MacDougall

    The numbers don’t lie on this plan! This is such a simple plan to understand, and the fact that you can get the Wellness Rewards plan to cover the most common vet bills such as teeth cleaning, shots, and so forth makes this a no-brainer for me. I love the idea that even if my pet has a catastrophic illness or injury, I know *exactly* how much I’m going to be paying out of pocket and how much the insurance will pay. No guesswork. And if I can get coverage for dental work, all the better, as I always end up paying out of pocket for that work, no matter which pet we’re talking about. And the rating of 9.4 is extremely impressive. I think I’ve found my match!

    • Fran

      I agree, this plan looks really great and there is nothing hidden. Heard many great things from friends about Embrace, I would give them a go.

  • Fran

    Yes it is rare to see insurance companies openly advertise that they provide for cancer treatments. These types of treatments can be very lengthy and expensive, and it is really good to know from the get-go if you are with someone who offers this – it gives huge peace of mind. Also, it’s always great to read good reviews of companies paying out – that again provides huge peace of mind.


2016 Comparison Chart X