Embrace Pet Insurance Review
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Apr 13, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Apr 13, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
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.
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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.
Table of Contents:
- Embrace Pet Insurance Coverage
- How To Customize Your Plan with Embrace
- Cost Of Embrace Pet Insurance
- Healthy Paws vs Embrace Pet Insurance Costs
- Enrollment & How To File a Claim
- Embrace Pet Insurance Customer Reviews
- FAQ
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
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Embrace Pet Insurance
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:
- Dental cleanings
- Flea and heartworm prevention
- Nutritional supplements
- Neutering/Spaying
- Prescription medications
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.
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
Luna
PetFirst saved his parents
$6,712
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.
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).
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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
Gidget
PetFirst saved his parents
$2,194
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.
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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”
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”
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!
FAQ
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
Embrace Pet Insurance
Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.
Other articles you may find helpful:
Is Exotic Pet Insurance Necessary?
The Best Pet Insurance By State
Fun Facts, Dog FAQ, And Unsolicited Dog Advice
5 Training Commands to Save Your Dog’s Life
The Ultimate Guide to Safe Foods for Dogs
You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance.
- 24PetWatch
- AKC
- Allstate
- American Modern
- ASPCA
- Banfield Pet Hospital
- Bivvy
- Blue Cross Blue Shield
- CareCredit
- Embrace
- Esurance
- Farmers
- Figo
- Geico
- Hartville
- Healthy Paws
- Liberty Mutual
- Nationwide
- Pet Assure
- PetFirst
- Petplan
- Pets Plus Us
- Petco
- PetPartners
- PetPremium
- Petsecure
- Pets Best
- Pin Paws
- Progressive
- Prudent
- Trupanion
- USAA
- VCA CareClub
- Vetco Clinics
- VIP Petcare
- VPI
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
I would definitely recommend this to my friend who is a dog lover. She owns a lot of dogs which she takes care of with her heart. What I love about Embrace Pet Insurance is that they cover the small things like skin and fur care, dental care, fleas treatment and vaccinations. My friend once told me that it was those small expenses with her numerous pets that could accumulate into bigger cost, but with these coverage, it will surely give her some ease. The flexible deductible and monthly quote is surely helpful, too. We can adjust the plan that we want to take, according to our financial capability. This insurance is a winner!
Yes, Wendy, that’s a good point about Embrace’s coverage. A lot of pet health insurance companies don’t cover the small things, but those really start to add up. And in healthy pets, sometimes they’re the only cost! Glad you’ve found something you can recommend your friend. Let us know if you have any questions or how we can help!
Ok…I’m totally getting this. I’m in the process of adopting a dog, and want to make sure he’s set in terms of health + wellness before bringing him home. Honestly, I never even thought about pet insurance, as I don’t recall it existing in the 80’s! (when we had my german shepherd Hercules, RIP @ ripe age of 14). I’m insurance illiterate, and this plan seems really easy to understand, even for me. I will probably get the wellness coverage add on. I like these all-inclusive deals so I don’t have to worry about much…okay, done. Now, time to go pick out a big fluffy bed and toys lol.
Big fluffy bed and toys first then pet insurance haha (at least that’s what your dog prefers!). It’s pretty amazing the options that are available in terms of pet health care now, who would have thought we would have such a thing as pet health insurance?! Embrace wellness coverage is a great option for caring for a pet BEFORE they get sick too. I don’t even think humans have it that good! 🙂
Embrace keeps pet insurance refreshingly simple with one core plan that you customize to meet your individual budget..this is very perfect planning in this company..i did’t see the others company like this company..some more this company also have zero deductible and no co-pay..is very interesting..getting this for my lovely cat..i agree with this insurance is better than mine
Mohd, we’re glad to hear the Embrace pet insurance has options that work for you and your cat!
I have been searching for affordable insurance for my 5-year-old pug mix, Ruby. She is in really good health, but you never know when something might happen, and finding a comprehensive plan that covers things like alternative therapies, surgeries AND rehabilitation with up to 90% reimbursement is almost unheard of (at least in my search!) I love the fact that you customize the plan to fit your needs and budget with so many options for deductibles, annual limits and reimbursement amounts. And a wellness plan that would pretty much pay for itself with routine care? I’m sold.
Natasha, pet insurance is a great option for Ruby. She’s in good health, and Embrace wellness coverage can help keep her that way! We agree, it’s great that they provide options for every budget. Let us know if you have any questions!
I can’t believe they have such a simple and easy to understand single plan, to be honest when it comes to insurance of any kind and what you can and can’t do with it can be a bit confusing for me. I have an American Boxer (BamBam) and the vet told me cancer is one of the most common ailments for his breed so I think it’s wonderful that this insurance covers treatments because I do worry about him he is my baby. They even let you choose your deductible and reimbursement percentages, which is great if you want your pets to be taken care of but aren’t able to pay high monthly costs I am so glad I ran across this pet insurance!.
Tiffany, we’re hoping to make the process of sorting through pet insurance companies a lot easier. Let us know how we’re doing! BamBam would pet in great hands with Embrace, since they provide coverage options for cancer and other issues that boxers are prone to.
Wow! Frankly speaking, Embrace pet insurance is the company I wish I’d known about years ago. I’m so happy to hear about coverage offer including prescription pet food and other thing. If my cat still alive, she must be glad to have me as their guidance. She died before I meet this awesome insurance. Make me feel awful. But I’ll recommend embrace pet insurance to my friends..
Nurul, thanks for your comment. Pet health insurance is relatively new, and all of us pet owners are lucky to have it available to us to help care for our pets. Embrace pet insurance offers many options for dog and cats that fit within any owners budget. Embrace also covers some genetic and hereditary disorders, like hip dysplasia, which is a huge benefit to its policyholders.
It’s awesome that Embrace Pet Insurance covers hip dysplasia treatment, as it can be costly and long-running. Having had a poodle in past, I have come to know in how much pain the dog was until we started treating it. Without insurance it was very costly and I think that every poodle owner should consider taking insurance that covers this genetic illness. It was excruciating to see Ozi’s back twitch when I tried to pet her. After treatment, I feel her pain went away at least to certain extent. And there’s nothing worse for a pet owner to see their pet in distress.
Iva, we’re so sorry to hear that Ozi suffered from hip dysplasia. It’s an awful thing to watch a pet suffer. Embrace hip dysplasia coverage is a huge benefit for owners of breeds that are prone to the disorder, like poodles and golden retrievers. Thanks for leaving a comment!
Much improved claims experience for my pup. I sent 2 claims in together. They were approved in a couple of days! The check was received just days later. Received an email soon after I called to make sure I had a copy of a claim form. Then a followup after the claims were processed. Great service!
That’s very quick, John! We’re glad to hear Embrace turnaround time is fast and that their service is excellent. We’ve hear similar reviews for Embrace claims and we’re proud to have them on our site as a recommended pet insurance company.
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!!!
That’s great to hear, Sarah! We love hearing that pet health insurance companies are keeping owners happy and pets healthy! Embrace reviews consistently mimic feedback just like yours. We’re glad to include them on our recommended list of pet health insurance plans!
Embrace Pet Insurance has made the rigors of having to keep your pet in wellness more simple and undoubtedly budget and time effective. The one core budget effective plan that protects your pet in case of illness, accidents, etc., the flexibility in adjusting monthly payments and the routine care and procedures for your pet through the optional wellness coverage are services and plans that stands Embrace Pet Insurance out. A friend of mine shared with me recently how Embrace Pet Insurance has helped him cut cost to meet his budget through the flexible deductibles, reimbursements and annual payouts limits. He also mentioned that Embrace Pet Insurance has also helped to keep his dog in absolute daily wellness through the routine care and procedures available in the optional wellness coverage plan. I keep recommending friends and colleagues to Embrace Pet Insurance. Feel the best services!
Thanks for your comment, Chidozia. At Pet Insurance U, we appreciate that Embrace offers a wide range of options for pet owners so that they can care for their pet within their own budget. Besides accident and injury coverage, Embrace offers plans that include wellness benefits to keep pets from getting sick! Let us know if you have any questions as you search for policies, we’re glad to help. You’re in good hands with Embrace pet health insurance.