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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.

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

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

  1. Reply
    nat moore 10/22/2016 at 10:11 pm

    Over the years I have had many large breed dogs and unfortunately the larger the breed the more susceptible they are to hip dysplasia. I know from experience that this can be an expensive endeavor. That is why I chose Embrace. My pets mean the world to me and knowing they will be covered gives me peace of mind. I added on the Wellness plan which covers dental work and cleaning among other things. In the end, I probably save a little bit of money each year just from prescription food cost.

  2. Reply
    Mls Hayat Mls 10/22/2016 at 10:13 pm

    Ive never been a big fan of domestic animals to be honest, yet one of my closest friends used to have three kittens, unofrtunately, that friend of mine underwent through some difficult financial circumstances and had to give up the kittens. I dont know much about keeping pets but when these kittens left, my friend suffered the way a mother grieves over her lost child. I didnt know humans could have this much emotion towards pets. After reading this insurance polict of embrace, I wouldnt hesistate to tell my friend about it, because truly, I dont want her to go through that pain again. Their policy has a wide range of sicknesses covered, along with some financial aid , these people truly care.

  3. Reply
    Beth 10/22/2016 at 10:18 pm

    I am such a paranoid person when it comes to the possibility of my cat getting fleas, she has many skin issues already that would flare up if she got fleas. The Embrace Wellness Coverage Add-on sounds like a perfect addition for us! The cost of flea preventatives and prescription shampoo for her skin problems really add up fast, and it sounds like this could dramatically help us out!

  4. Reply
    MadiA 10/22/2016 at 11:05 pm

    I love the simple idea of one core plan, customizable to my budget. And the wellness plan is an awesome option. I have a dog that eats anything–including what ended up being several thousand dollars worth of cleaning wand sponges (the other dog jumped on the washer and knocked them off the high shelf). I recently lost a kitty to old age; some of the alternative therapies covered might have made her last months more comfortable. This is definitely a plan I will be seriously considering.

  5. Reply
    Janice Sky 10/22/2016 at 11:54 pm

    I am seriously considering purchasing this plan for my terrier. He is getting older and I have been concerned that with his age will come significant costs and medical bills. I am going to request my free quote today. I love the idea of the Wellness Rewards so that I can cover the basic expenses and some of the nutritional supplements that I’m already paying for out of pocket. I also like the idea of being able to set my own deductible. I’ve never seen a pet insurance plan that covered so many core services and also some alternative therapies. I’m very excited to give this a try and be able to budget out some of my pet’s expenses.

  6. Reply
    Sarah 10/23/2016 at 12:01 am

    Pets are family. They need protection too. Embrace offers one plan that covers unfortunate events, such as accidents, illnesses, dental trauma, and even cancer treatments. You can set your own level and deductible based on your budget. When you add the optional Wellness Rewards Plan to your policy, you will have peace of mind over everyday expenses, as well. No deductible, no co-pay, and 100% reimbursement on things such as spaying or neutering, vaccinations, wellness examinations, and routine blood tests, just to name a few. There are limitations so make sure to read those over before proceeding. We lost a family pet this summer to feline anemia. She lived a long, well-loved life. Her health expenses were great in number and, unfortunately, we did not have pet insurance so they added up quickly. Discovering Embrace Pet Insurance, now, I would recommend anyone with a furry family member to look into it.

  7. Reply
    Haneef 10/23/2016 at 12:03 am

    Two of my aunts have dogs and they have had concerns about the cost of pet insurance. Not only does the low monthly costs sound like it would definitely fit their budget, but the inclusion of the deductible before the co-pay sounds like it’d save them even more money! The coverage is very fair and I think this is something they’d like to check out! one of my aunts has a dog with hip dysplasia and chronic illness so the fact that this insurance covers that would be excellent for her!

  8. Reply
    david 10/23/2016 at 12:22 am

    Anyone that has a dog knows how expensive vet bills can be. I know first hand how costly my puppy can be. When I adopted Charlie, a chocolate labradoodle, Like most puppies, he was playful, fun, and energetic. Than he was diagnosed with Pneumonia, but not until a few trips to the vet costing us an average of $300 – EACH TIME – for medicines and x-rays – and all out of pocket! So I was beyond stoked to find out that Embrace covers illness and injury, as well as “pre-existing” conditions that other insurers try to deny. As a labradoodle can have breed specific health issues, knowing that Charlie is covered is a huge relief. And if this past summer was any indication, Charlie is going to have a long history with flea allergies, so having an insurer that covers flea preventative care is critical for me, and more importantly, to Charlie.

  9. Reply
    Elizabeth Voyles 10/23/2016 at 1:04 am

    Embrace Pet Insurance had me at coverage for surgery for swallowed objects. I used to live next to a hazelnut farm and my dog was always trying to swallow the nuts that fell on our side of the fence. My poor little guy has surgery twice to remove shell fragments in his stomach. We tried to keep the nuts out but weren’t always fast enough. We paid out of pocket for both surgeries and it was a huge expensive. This kind of coverage would have been an amazing help. And I love all the options for customizing your deductibles and limits so I can actually afford one of their plans. I can see where a plan like this would end up being a big money saver for my family.

  10. Reply
    Denise Hlll 10/23/2016 at 1:53 am

    Pet insurance really has become a must have. This particular plan is extremely flexible. The fact that there is no co-pay, no deductible and coverage starts right away is really what sold me on this particular insurance. I also love that the coverage is comprehensive and covers preventative care as well as incidents and illness. This is definitely a plan I feel comfortable recommending to my friends and family with pets as it can be tailored to accommodate any budget.

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