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Embrace Pet Insurance Review

Embrace Pet Insurance

How Has Covid-19 Affected Embrace Pet Insurance?

Embrace has continued to operate as usual throughout the Covid-19 pandemic. Though employees have been working remotely as of 3/16/20, there have been no changes to standard service or business hours. 

The introduction of the MyEmbrace online portal provides a no-contact way for clients to edit their policy, submit claims, check claim status, and change payment details. It offers a more quick and convenient alternative to the USPS, which has been experiencing slow delivery times during the pandemic.

Clients can also reach Embrace safely by phone. The 24/7 PawSupport Pet Health Line provides real-time, no-contact health and wellness support for pets, including standard care and medical emergencies.

New Products of Changes

Embrace Pet Insurance expects to see even more growth in the coming year following the appointment of Kelly Coffey as the new Director of Business Development. The company continues to add coverage options for pet owners to remain competitive in the booming pet insurance industry.

Embrace Pet Insurance on the News

As the U.S. inches towards creating a legal standard for pet insurance, Embrace is poised to become a significant player in the marketplace alongside other big names such as Pethealth Inc. Nationwide Mutual Insurance Company, PetFirst Healthcare LLC, and more.

2021 Latest Embrace Pet Insurance Reviews

For the most part, customers in 2021 are happy with their coverage through Embrace pet insurance. According to reviewer Ada of Sylmar from California, the claims process was accessible, and representatives were understanding, knowledgeable, and helpful. As LAUREN of Overland Park, Kansas, notes, she was able to reach a human representative without trouble most of the time. 

Another Google reviewer, Dana Smith, says that the renewal process is just as straightforward, even after filing a claim. Long-term customer Richard Partridge states that Embrace offers superior customer service when compared to other top pet insurers. 

There have been some complaints of Embrace not honoring claims, mainly due to pre-existing conditions. According to complaints to the Better Business Bureau, there have been multiple instances where the company has unfairly denied claims, citing pre-existing conditions. Many pet owners who have needed emergency treatment have had trouble getting the coverage that they need.

Some clients have complained about claims processing through Embrace. According to Debra S. from Yelp, it took months to process a simple claim due to a lack of communication between her vet’s office and Embrace Pet Insurance. Another reviewer, Connie L., notes that Embrace ignored her insurance claim and subsequent contact attempts.

Embrace keeps pet insurance refreshingly simple with one core plan that you personalize to meet your budget.

Their customizable plan protects your pet in the case of accidents, injuries, illnesses, and hereditary or congenital conditions. Alternative therapies, emergencies, nursing care, surgeries, rehabilitation, and diagnostic testing are also included in the core plan.

Embrace Pet Insurance ranks in our top 3 for generous coverage payouts, extensive genetic and congenital health coverage, and the best wellness program. For more details about Embrace, continue reading our complete review below.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Embrace Pet Insurance

Embrace pet insurance logo

Embrace’s standard plan covers most of the usual accidents and illness health conditions as other pet insurance companies.  What isn’t typical of most is their inclusion of prosthetics, alternative therapies and even prescription medication.

You can budget and personalize your plan according to you and your pet’s needs.

Boost your plan with optional wellness coverage that takes care of routine care and procedures for your pet.

The Wellness Rewards option also works gives you a choice of $250 to $650 to use to cover the following:

However, this is an add-on to an existing policy, and you can’t purchase wellness coverage without an accident and illness policy.

Embrace has 3 different wellness coverage a year from $250 to $650 to use towards the different procedures.

What also makes Embrace unique is holistic and alternative vets are among the choices of veterinarians in all standard policies. This also gives you the choice of bringing your pet to a chiropractor.

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance

4.7 out of 5

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Hereditary & Congenital Conditions

Hereditary and congenital conditions are generally usually from a birth defect that is transmitted by the dog or cats parents.  These gene defects run in families and some cat and dog breeds have many more of them than others, which is why it is called breed-specific condition.

These conditions can take years to develop and when they do show signs, as your pets’ age, it can be very expensive to treat them. An Embrace plan will pay your veterinary bills if your pet develops one as long as they are not what is called pre-existing.

Treatment for many these conditions requires corrective surgery, and some are chronic conditions that require ongoing care.

Some of the more common conditions are the following:  elbow and hip dysplasia issues, cancer, patella issues and even intervertebral disc disease.

All Embrace Pet Insurance illness and accident policies fully cover hereditary conditions with no per-incident or per-condition limits. You do not pay extra for this coverage.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Chronic Conditions

Embrace offers coverage for chronic conditions, like ear infections, allergies, renal failure, and cancer.

When your pet visits the vet for an accident or illness, Embrace will pay for diagnostic treatment, testing, and prescription medications. If your pet requires surgery, they cover surgery and hospitalization.

Embrace also covers hospital and specialty care, x-rays, and even behavioral therapy.

Additionally, if your pet needs specialist care for an illness like cancer, Embrace will cover that as well.

Alternative Care Treatments

Embrace, like Healthy Paws, is one of the few providers to cover alternative treatments in their most basic plan.

Alternative treatments that are included in their plans:

  • Acupuncture
  • Chiropractor Visits
  • Physical Therapists
  • Hydrotherapy
  • Laser Therapy

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Customize Your Embrace Pet Insurance Plan

Embrace allows you to choose from a variety of different customizable options which is a nice feature.

Benefit Limit Options

Because policyholders can choose their benefit limit, it can help to lower the monthly premiums. This could be a good choice if you have a dog or cat this is still young.

The benefit limits range from a low of $5,000 to a high of $30,000 online or unlimited via a phone enrollment.

If your dog or cat has any surgery or even incident, you could easily hit that limit with one bill and can make it somewhat limiting.

Healthy Paws, for example, and some other pet insurance providers, have an unlimited benefit schedule.

Choose Your Reimbursement Percentage

Embrace’s policies are customized to fit your budget with reimbursement choices ranging from as low as 70% to their top reimbursement of 90%.

You can lower your monthly premiums by choosing a lower reimbursement percentage

If you choose a Wellness program with Embrace, they offer three options: $250, 450 or up to $650 allowance per policy year.

Younger pets (puppies and kittens) require more vet visits their first year, so $650 is a good option for them, an older pet might need the middle or $450 option.  It’s a nice addition to have that flexibility in a Wellness program.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Embrace Offers Multiple Deductible Types

Embrace Pet Insurance offers many different annual deductibles from a low of $200 to the highest of $1,000.

Annual deductibles mean that you only have to meet your deductible once per year and is usually our preferred choice.

Policyholders also can save with what is called Embrace’s Healthy Pet Deductible.  The program will decrease your annual deductible by $50 if you don’t receive a reimbursement that policy year.

Healthy Pet Deductible applies only to accident and illness claims not wellness rewards.

If you want a lower premium, than opt for the higher deductible.

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance

4.7 out of 5

Fetch a Quote

How Much Does Embrace Pet Insurance Cost?

Embrace’s monthly premium costs are a little more than the other pet insurance companies, but you do get broader coverage with the standard plan. And because of the wider range of options available, you can really budget accordingly and lower your premiums.

The starting monthly premiums for most dogs is approximately $13 and $9 for cats.

And as with all pet insurance companies, the price can be affected by the breed of your pet, where you live and the age of your pet.

Embrace members can get a 5% discount for: military personnel, paying directly from your bank (only available in NY), neutered or spayed pets (only available in NY) and if you enroll more than just one dog or cat.

Embrace Pet Insurance members can get a 10% discount for a multi-pet policy (only 5% available in NY).

Embrace Pet Insurance vs Healthy Paws and Competitors

Embrace pet insurance is one of Healthy Paws toughest competitors. While Healthy Paws costs less than most for mixed breeds that are under 2 years old, Embrace has competitive policies for older and specific breeds of dogs and cats. 

Here is a list of articles comparing Embrace Pet Insurance vs Healthy Paws and other competition:

Healthy Paws vs. Embrace Pet Insurance

Embrace vs. Petplan Pet Insurance

Nationwide vs. Embrace Pet Insurance

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Enrollment And Waiting Period

Embrace’s waiting periods are 14 days for illnesses and 2 days for accidents in all states.

You can enroll your puppy or kitten at six weeks old with 14 years being the oldest age to enroll.

Orthopedic conditions have a 6 month waiting period but there is an option to reduce this wait to only 2 weeks.

Embrace requires that you take your pet for a visit within the 12 months prior to enrolling or a visit within the 14 day waiting period.

Embrace will automatically renew your policy unless you notify them via e-mail or phone that you wish to make changes or cancel your policy.  If you need to change or modify your plan, email or call them 2 to 4 weeks before the renewal date.

How To File A Claim With Embrace

A claim is really easy to submit.  You just download the claim form from the site or they can mail the form to you.  A staff member at your vet needs to sign it and you should include all the bills and receipts.

Embrace also has the option of direct deposit so you can reimbursed quickly.

Claim forms can be submitted through what is called MyEmbrace, their account on-line.  You can also call them or of have the form faxed to your vet. You can check the status of your claim in your MyEmbrace account.

Wellness claims usually take five business days to process following the receipt of all of the necessary information. Illness and accident claims usually take 10-15 business days to process following the receipt of all of the necessary information.

Embrace Pet Insurance also offers unlimited access to this complimentary service called PawSupport. PawSuuport is their 24/7 pet helpline providing instant, real-time access to veterinary experts.  PetsBest has a similar 24/7 help-line which is always nice to have!

PawSupport helps pet parents with questions about their pet’s behavioral changes, possible poisoning, signs of an emergency, and more. WhiskerDocs pet experts offer guidance on when, where, and how to use healthcare resources appropriately (but will not diagnose your pet).

It’s a nice addition to have if your pet has an after-hours emergency.

Embrace Pet Insurance Customer Experience

The average Embrace Pet Insurance customer rated them 4.7 out of 5. 

Here are some Embrace customer reviews:

“Embrace is the Best Plan Out There”

boxer puppy embrace pet insurance

I 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 insurance

We’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’s Philanthropy

Embrace donates $2 to an animal-related charity with every new pet policy, $10 to Woodward Animal Center for every pet that passes and also have a Foster Cat Program to provide temporary housing for cats and kittens in partnership with local rescues and shelters!


What is the difference between Embrace’s plans?

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.

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 annual 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.

You can see how Embrace fares to the other pet insurance companies that we reviewed by taking a look at our pet comparison chart.

What are the Wellness program options with Embrace?

If you choose a Wellness program with Embrace, they offer three options: $250, 450, or up to $650 allowance per policy year.  Younger pets (puppies and kittens) require more vet visits their first year, so $650 is a good option for them and older pet might need the middle or $450 option.

What is not covered with Embrace?

Similar to most pet insurance policies, Embrace does not cover:

  • Routine veterinary care (unless you purchase the wellness program addition)
  • pre-existing conditions
  • breeding
  • pregnancy
  • injury deliberately by you or any other person residing in your home or from fighting, racing, cruelty, or neglect
  • cosmetic procedures such as tail docking, ear cropping, and declaw removal unless medically necessary
  • DNA testing or cloning
  • stem cell therapy that isn’t medically necessary
  • avian flu

  1. Reply
    Derek F 10/31/2016 at 2:28 pm

    Hello, are you able to recommend me any specific pet insurance based on waiting period? All of the options I have looked at currently have a significant waiting period, but I am eager to start using some claims for preventative treatments and hate the idea of paying the fees while being unable to claim. Any recommendations? Thanks, Derek.

    • Reply
      Pet Insurance U 11/01/2016 at 8:02 pm

      Hi Derek, have you looked in to Embrace pet insurance? From our research the Embrace, waiting period is very short or nonexistent (in certain cases). Embrace also offers wellness coverage as part of your pet insurance policy so that you can start preventative treatments. Thanks for taking great care of your pet!

  2. Reply
    Dav Madrigal 11/03/2016 at 11:39 pm

    As someone who has had to go into medical debt for the wellbeing of my pets, I wish I would have known about Embrace Pet Insurance while my ferrets were still alive. These plans seem very comprehensive and affordable, and the Embrace Wellness add-on includes an important level of protection into this plan. I very much like how the plan itself is customizable to the individual needs of my pets and budget! The coverage this plan offers sounds better than the benefits many human health insurance provide too. The idea of very short waiting periods is also very appealing as other insurances often leave you waiting far too long to file your claims. From what I’ve read I will definitely recommend to my friends with pets!

    • Reply
      Pet Insurance U 12/01/2016 at 10:47 pm

      Dav we are glad you have chose Embrace and seem to be very knowledgeable. We also are excited that you are spreading the word about Embrace and pet insurance. If there is ever anything we can do to further your experience we will help you.

  3. Reply
    sarah evanston 11/14/2016 at 12:49 am

    We use Pet Best insurance and like them very much but I see that Embrace offers more coverage for less. How difficult is it to change pet insurance companies and is there a fee with either of these companies?

    • Reply
      Pet Insurance U 12/01/2016 at 10:40 pm

      Sarah great question, currently there are no fees for switching, or canceling a health insurance. Just make sure you speak with a representative before switching or canceling. Glad to know that your pet is covered though.

  4. Reply
    Marion 11/19/2016 at 1:50 pm

    The wellness rewards plan seems to be the perfect add-on for my dog Rusty. It doesn’t only cover the routine care but also specific wellness benefits which are very special. Dental care is also a very important thing which shouldn’t be forgotten and also the behavioral training sounds like something we should definitely try!

    • Reply
      Pet Insurance U 12/01/2016 at 10:26 pm

      Marion the wellness rewards plan offers a 100% reimbursement with zero deductible and no co-pay. We are excited to see your interest. We would also highly suggest behavior training coverage, sometimes mental health can be the foundation of the physical breakdown.

  5. Reply
    Stacy Karyn 11/20/2016 at 1:35 am

    I think it’s awesome that behavioral training is included in this package! That’s such forward thinking, and I think more companies should start to embrace the idea. Sometimes mental health is just as important as physical health (for both us humans and our furry friends)!

    • Reply
      Pet Insurance U 12/01/2016 at 10:18 pm

      Stacy you have said a mouthful. Many times it’s the mental health that can greatly effect what happens to the physical health of our pets. That’s why Embrace tries it’s best to cover the full spectrum of your insurance needs.

  6. Reply
    Drexter 10/23/2017 at 10:03 am

    This particular insurance system seems like , it is the one. I always wanted to an insurance plan for my chubby little one which is both affordable and great quality. Thank you for the review. Done a great job.

  7. Reply
    Jaclyn 11/29/2017 at 11:40 pm

    Embrace’s 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed – up. I didn’t get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that ‘We need the complete Medical History’. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn’t know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that ‘we don’t want to bother you the client’ to get the missing information so they can continue to fraudulently bill you.

    When I called to inquire about the long-delayed medical history review, they still couldn’t answer my questions. Then they hung up on me and canceled my policy even though I was still waiting for answers.

    STAY AWAY FROM THIS COMPANY! They are very difficult to work with and will list everything possible as a preexisting condition to avoid paying claims.

  8. Reply
    John 03/23/2018 at 5:31 pm

    We have had Embrace for almost a year now since we got our puppy and I’m regretting it. Our experience has been similar to an extended car warranty where you submit a claim and pray it will be accepted because you have no idea what is covered and how much (if any). There’s something unsatisfying with dealing with a company that relies on “read the fine print.” Avoid. Not worth it.

  9. Reply
    Ashley 04/13/2018 at 1:15 am

    I’ve had Embrace for 2yrs on my older dog (3yrs) and love it, I just got it for my puppy as well. We got the wellness so all the routine stuff is covered. Since they offer a 5% (per dog) discount for multiple dogs, the Wellness part of the plan pays for itself and then some. My older dog had an eye injury and a cyst discovered on her back this year, and both are covered- I met my deductible and starting to get reimbursed. They lower the deductible $50 every year you don’t have a claim. It gives me peace of mind if something serious were to occur. There were a couple preexisting conditions that I knew would be left out, so that wasn’t a surprise.

  10. Reply
    Nicole W 07/23/2018 at 11:12 pm

    Buyer beware. I was skeptical buying pet insurance but was encouraged to do so by our vet’s office staff. Our labrador retriever had pancreatitis previously so of course I knew that would be an “underlying condition’ that would not be covered which is fair. However, she recently got diarrhea, had to be hospitalized, tests came back negative for pancreatitis so not the same underlying condition and now they’ve completed denied the $1,450 claim. Even our vet was shocked. I’m cancelling.

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