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Embrace Pet Insurance Review

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.

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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 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 Healthy Paws Clients


Healthy Paws saved his parents


Samson tore his ACL in a lively game of fetch. After surgery and rehab, Samson is back to his playful self and never turns down a game of fetch!

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

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

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
    Hiro Mamoru 10/23/2016 at 2:05 am

    I think this Embrace Insurance by the company Pet Insurance U is great for when you have a pet Cat or Dog that you had for about a year and you want to take your pet there to get checked out.I used to have a Cat named Hercules so if I still had him right now I would definitely invest some money in getting one of the Embrace Insurance plans.The plan that I go with for having a Cat that I still missed having be the the one that $18 per month,they also have the plan that cost $450 $32.50 per month$650 and $46.95 per month.Their services covers spraying and neutering, Treatment for Fleas, Ticks, and Heart worms and they also provide pet vaccination plus other benefits too overall it is something to go with if you have a cat or a dog that could be in need of some medical attention.

  2. Reply
    Katana 10/23/2016 at 2:25 am

    I like the fact that swallowed objects are covered, it seems like that will inevitably happen to my dog Jack. A lot of pets swallow things they shouldn’t. The deductible choices are really affordable too. Exams, microchipping, and supplements are really important, that makes the insurance seem more worth it. I would go for the $250 plan that’s $18.00 per month.

  3. Reply
    Logan 10/23/2016 at 3:36 am

    When looking for pet insurances I always have to check to see if chronic conditions, specifically asthma, is covered. I have a Jug (half jack russell half pug) and pugs as everyone knows are susceptible to asthmatic issues. I like that Embrace has one simple plan, and that I can set my own reimbursement levels and deductibles based only on the coverage my dog needs. This way I know I’m covered for any accidents, unforeseen health issues, or just my current main health concern which is asthma.

  4. Reply
    Amanda Peterson 10/23/2016 at 7:49 am

    What I like about Embrace Pet Insurance is that they have flexible plans. I definitely have different needs for my 8-year old cat than my 1-year old dog. The add-on Wellness plan makes a lot of sense (spreading out my costs over 12-months rather than pay for annual visits and heart/flea/tick meds all at once).

  5. Reply
    natosha 10/23/2016 at 1:29 pm

    I am very interested with this type of Insurance! I actually have two dogs, always wanted an insurance policy for them as the cost of the vet is a bit steep each year.
    The one thing I enjoy reading about is the coverage is applied right away and that many of the procedures and normal checkups for dental and flea and tick is something I’d use often. I love that it can be customized, and for someone who doesn’t make so much money, this just sounds like a wonderful plan! I really need to get this for my two dogs!

  6. Reply
    Morin 10/23/2016 at 3:16 pm

    Can’t wait to buy! Covering Accidents, Illnesses and Cancer Treatment plus other conditions is definitely a relief for me and my dog, making sure that at such conditions my dog will have enough attention for recovering which I didn’t do for my first dog! I give you 10/10 when it comes to customer satisfaction with your services! keep up!

  7. Reply
    Aleathea Wiggins 10/23/2016 at 8:08 pm

    I’m glad I found out about this pet insurance so I can share this information with my mother. She’s retired and on a fixed income. She’s expressed concern about the cost of the medical treatment and prescriptions that she needs for her fox terrier. She’ll be glad to learn that this insurance company will allow her to customize a plan to fit her budgetary needs, especially since there were times that she had to postpone treatment for her dog because it was too expensive. She’s even considered giving him away. Pets are extremely important for senior citizens living alone. I’m so glad that this plan will make it possible for her to afford proper treatment for her dog.

  8. Reply
    Diana O 10/23/2016 at 10:15 pm

    I’m currently shopping for pet insurance for our small zoo and after reading about Embrace – I wish I could sign our human family up as well. The range of plans, monthly premiums ($9-$125/mo), copays and deductibles ($100-$1,000) is great – especially being able to add on the wellness rewards plan and eliminating all co-pays and deductibles. Vet bills take a huge chunk out of our income and are near impossible to budget for so being able to make a monthly payment and know that you’re covered for anything that may happen is refreshing and reassuring. I only wish I had known of this a year ago when our beloved dog came down with cancer and we weren’t financially able to afford the treatments. If we’d had Embrace our beloved Blue might still be here with us.

  9. Reply
    Shirley Combs Fields 10/23/2016 at 10:46 pm

    My daughter does not have children but her pets are like her children. Embrace Pet insurance is better than the insurance I have for my daughter. If her cats are sick it hurts her heart and I hate that. I’m so glad there is a pet insurance out that like Embrace that has options that fit her budget and help her take care of her fur babies. Vet approved, covers so many possibilities and keeps her babies happy and her with one plan that will cover everything. Thank you for helping my baby to keep her fur babies healthy.

  10. Reply
    Abby 10/23/2016 at 11:41 pm

    This insurance was a must for my one year- old chihuahua, Fifi. Honestly, I was struggling with giving her the care she needed because of the cost. Ever since I have discovered this insurance, I feel more at peace with the thought of taking Fifi to the vet. I chose this insurance because they truly cover a lot. The price is extremely affordable and I no longer hesitate to take my dog to the vet.

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