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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
    Becca 10/22/2016 at 6:23 am

    I wish I had found something like Embrace when I had my cat. She lived to be 17 so she would have eventually aged out of the plan. That was when she got really sick and eventually had to be put down. But she had a few other small illnesses when she was younger. Between those are well visits (I would definitely have opted for the Wellness rewards) and it would have been very nice to get 70-90% of those bills reimbursed. I also like that the plans are flexible and you can kind of build your own policy with additional riders. The core plan premium seems very reasonable so adding on would not have been outrageous.

  2. Reply
    Ian Conrardy 10/22/2016 at 11:34 am

    The treatments and plans that they offer are very comprhensive and cover a lot of different medical procedures. This is so helpful, because when your pet gets sick and you go to the vet just to find out that you cannot afford treatment, you feel so lost. Embrace Pet Insurance is an amazing protection against anything that could prevent your pet from getting treatment when they need it most. I wish I had Embrace Pet Insurance when my little chihuahua, Iddy, got sick. Fortunately, she got through it, but i can tell you from experience, not being able to get help for your pet when they need is scary. Embrace is an amazing insurance company with great prices and amazing coverage, be sure to check them out.

  3. Reply
    Ljubinko Zivkovic 10/22/2016 at 2:06 pm

    I thought that I don’t need pet insurance for my German Shepard. She was a healthy, happy dog, until she swallowed a chicken bone. When the vet, to whom I’m grateful because he saved her life, presented me with the bill, I didn’t feel so grateful anymore. That is when I started looking for a good pet insurance, and I found it in Embrace. Not only does the coverage give me all I need to feel secure about my dog, but the language in the documents they provided was, unlike with many human insurances, simple to read and understand.

  4. Reply
    Noel Christman 10/22/2016 at 4:28 pm

    Until now I have thought the idea of pet insurance a little silly. After reading about how affordable the plans are and the extensive coverage I am sorry I didn’t have coverage when our family dog of ten years was diagnosed with cancer. Had we had this insurance then, we could have afforded to treat Mazda. I also like the different options, even being able to add on the spay and neuter and shot packages.

  5. Reply
    The blood of Jesus 10/22/2016 at 5:34 pm

    Finally, a pet insurance company that gives me more options when it comes to alternative therapies. This is a company that has gone the extra mile to cover what other pet insurance companies don’t. Since Embrace Pet Insurance offers extended alternative therapies, I can try laser therapy and reiki therapy if my dog gets sick. Laser therapy can be very effective. Any homeopathic therapy can do wonders naturally. I’m into natural healing whenever it applies for myself, and want my pet to have these same choices. Love it! I’m a little surprised too, but very happy about this part and the rest of the companies plan. Wonderful!

  6. Reply
    Kat Condon 10/22/2016 at 5:35 pm

    I always thought pet insurance seemed a little “extreme” – that is until my golden lab, Dorado got cancer. At only 5 years old we knew that he could fight the disease, but after a few months of treatments we just couldn’t afford it anymore and had to put our dear boy down. Knowing that we could have possibly prolonged his life if we would have had Pet Insurance U haunts me, but you can bet I won’t be making that mistake again! I think it is incredible that this company covers cancer treatmeants – not to mention the great prices!

  7. Reply
    Misty 10/22/2016 at 6:33 pm

    This is so great for those of us who have pets. Many people feel that their pets are their children and I know that is how my husband and I feel. We would be heartbroken if anything happened to them and with pet insurance, this helps so much to protect them. I like how the different types of issues are listed that this insurance will cover and what it will not. That helps us to select just the right plan for our pets.

  8. Reply
    Danielle Dixon 10/22/2016 at 6:51 pm

    Embrace pet insurance plans are simple and straight forward to understand , with no surprises. The fact they cover chronic illness is a relief as the owner of 4 elderly cats, it comes with the territory. The optional add on for routine care is a no brainer, neutering fleas and ticks are all part of regular pet owners to do list and you get 100% reimbursement so no scrabbling around for Co pay. Definitely a sound investment for your pets x

  9. Reply
    Sta Geo 10/22/2016 at 9:34 pm

    If only this type of pet insurance existed several years ago.My dog had to have a surgery which was not a pre-existing condition so it would have been covered.Also the cost of program with deductibles and flexibility to choose from seems very nice.Most basic things such as accidents and possible illnesses are covered.And the majority of bills from veterans also are reimbursed.This is really both cool and money saving,plus my favorite pet can afford the insurance coverage it deserves comparing costs.And the fact that from any policy a small amount goes to a pet-related charity is really great.

  10. Reply
    Ashish Ganguly 10/22/2016 at 9:55 pm

    I am really relieved to find such a pet insurance provider. They have made things so much easier with the single core plan. Covering so many diseases and even genetic conditions is just awesome and I am really attracted to try this one out for my pet. The wellness coverage seems like icing on the cake and that too for such a great price!!
    I have a pup (pug) and I was scouting the internet to find a reliable insurance plan. This article really made my day!! I am surely going to get this one for my pup and hope that it works well.

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