Pet Insurance Reviews

Embrace Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated Apr 17, 2024 | 18 min read
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2,572 Consumer Reviews

Trustpilot, August 2023

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& Illness

Plans Offered

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Routine Care



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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.


Average Price For Dogs

$30-40 / month*

Average Price For Cats

$15-20 / month*

One-time Enrollment Fee


Monthly Payment Processing Fee


Coverage Options

Annual Deductible

$200, $300, $500, $750, or $1,000

Reimbursement Rate

70%, 80%, or 90%

Annual Coverage Limit

$5,000, $8,000, $10,000, $15,000, $30,000, or unlimited

Waiting Periods


2 days


14 days

Orthopedic Conditions

6 months (14 days with waiver)

*only applies to dogs

Filing a Claim

File Claims 

Online, mobile app, email, fax, or mail 

Claim Expiration 

60 days after the next policy renewal date 

Average Claim Reimbursement 

10-15 days

Enrollment Requirements

Age at Enrollment 

6 weeks - 14 years 

Medical Review 

12 month history 

Residency Requirement 

valid US address

Embrace offers strong coverage and excellent flexibility compared to other plans. While there are a few restrictions pet owners should be aware of, Embrace is one of the best pet insurance companies in the industry.


  • Use any licensed veterinarian in the United States
  • Covers exam fees, prescription meds, and dental disease
  • Rewards healthy pets by reducing the annual deductible by $50 following a policy term in which no accident or illness claims are reimbursed
  • 2-day waiting period for accidents
  • 24/7 access to tele-med support
  • 30-day money-back guarantee if no claims have been filed


  • Accident & Illness coverage is not available for senior pets ages 15+ enrolling in a new plan
  • 6-month waiting period before orthopedic conditions are covered (unless a waiver is completed)


Embrace is a trusted and well-established pet insurance provider founded in 2003. Having sold its first policy in 2006, the company has more than a decade's worth of experience. Several brands offer Embrace Pet Insurance plans. These companies include Allstate, American Modern Pet Insurance, Armed Forces Insurance, Geico, and USAA.

What's Covered

  • Accidents & Illnesses
  • Breed-specific conditions
  • Orthopedic conditions
  • Diagnostic exam fees
  • Dental treatments
  • Prescription medications
  • Alternative therapies
  • Behavioral disorders
  • Euthanasia and end-of-life care

Optional Add on: Routine Care

What's Not Covered

  • Lost pet advertising and rewards
  • Vacation cancellation costs
  • Breeding, nursing, or whelping
  • Obedience training
  • Cosmetic procedures
  • DNA testing or cloning
  • Routine care (unless added to policy)
  • Pre-existing conditions
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Expert Insights

Does Embrace Pet Insurance cover dental?

"Yes, Embrace pet insurance offers coverages for treatments related to new dental accidents and illnesses, including dental extractions, periodontal disease, and endodontic dental treatments. Dental illnesses have reimbursements available up to $1,000 per policy term."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Routine Care Add-On

When you add routine care coverage to your policy, you can get reimbursed up to a set amount per year for preventive costs that keep your pet happy and healthy.

Embrace wellness rewards work differently than other providers by reimbursing routine care costs on an annual allowance-based system. Policyholders can select a predetermined amount that they can use toward preventive services, such as vaccinations, parasite prevention, or spay/neuter surgery:

  • $250
  • $450
  • $650

There is no waiting period before you can file a claim, and you do not have to meet a deductible before Embrace wellness rewards kick in. Any remaining amount will not roll over to the next policy term.

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

Get personalized pet insurance advice you can count on

How it Works

You can use Embrace Pet Insurance with any licensed veterinarian in the United States. Like most pet insurance plans, Embrace reimburses you for a percentage of eligible expenses on veterinary services rendered for unexpected accidents, injuries, or illnesses (after your deductible has been met).

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1. Visit any licensed veterinarian, specialist, or emergency doctor — no referral is needed.

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2. Pay for the visit upfront out-of-pocket at the time of your appointment.

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3. File a pet insurance claim with Embrace through their app, website, email, fax, or standard mail.

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4. Get reimbursed for a percentage of eligible veterinary expenses (depending on your plan's coverage).

Embrace Pet Insurance Waiting Period

When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective, and you become eligible for claim reimbursement. The waiting period for Embrace Pet Insurance depends on the type of incident you need coverage for:

  • Accidents: 2 days
  • Illnesses: 14 days
  • Orthopedic Conditions*: 6 months (14 days upon completion of a waiver)

*The waiting period for orthopedic conditions only applies to dogs.

Filing a Claim

  • Window to File: 60 days after the next policy renewal date
  • Average Claim Reimbursement: 10-15 days
  • Reimbursement Methods: direct deposit or check

See how much Embrace pet insurance costs for your pet

Embrace Pet Insurance Cost

On average, Embrace costs $15 to $40 per month for Accident & Illness coverage. Remember that pet insurance pricing depends on your animal's breed, age, zip code, and the coverage options you select. Getting a custom quote is the only way to get an accurate price estimate.

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Average Price for dogs:

$30 to $40 / month

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Average Price for cats:

$15 to $20 / month

Sample Prices

Embrace Pet Insurance cost estimates are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, TX.

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

  • Embrace offers a "diminishing deductible" that reduces a policy's annual deductible by $50 following a term in which no accident or illness claims are reimbursed
  • Policyholders receive a 10% discount for enrolling multiple pets
  • Military members are eligible for a 5% discount on premium rates
  • Pet owners who sign up through voluntary employee benefits receive a 10% discount
  • You can save $12 per year in processing fees if you decide to pay your premium annually instead of monthly

Embrace Pet Insurance Customer Service

Embrace has an award-winning customer service team and is particularly known for providing a great customer experience.

Monday - Friday: 9:00 AM to 8:00 PM ET

Saturday: 10:00 AM to 4:00 PM ET

 Customer Service: 800-511-9172

 Sales: 888-860-0838

 Fax: 800-238-1042

 General Email:

 Claims Questions:

 Other Options: online chat, 24/7 tele-med support

Enrollment Requirements

  • Age at enrollment: 6 weeks - 14 years
  • Medical Review: Your pet must be examined by a veterinarian in the 12 months prior to the policy's original start date, or within fourteen (14) days of the policy's original start date
  • Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
  • One time $25 enrollment fee

How to Cancel Embrace Pet Insurance

To cancel Embrace Pet Insurance, call their customer service number at 800-511-9172 and ask to speak to a representative. Provide them with your pet insurance policy number and customer details. You can also cancel your policy by contacting their customer service team via email or by submitting a cancellation request through their website.

Embrace offers a 30-day free trial period. If you cancel within this timeframe, Embrace will refund your enrollment premium, provided no claims have been filed.

Please keep in mind that pre-existing conditions will follow your pet from policy to policy, so if you decide to sign up again later, whether with Embrace or another company, those conditions will still be considered pre-existing.

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Expert Insights

Is Embrace Pet Insurance good?

"As a Pawlicy Advisor approved provider, Embrace offers excellent coverage, customer service, and fantastic savings opportunities through its Healthy Pet Deductible.

This makes it a great option for many pet parents. We love that Embrace covers dental work, exam fees, and prescription medications, while many of its competitors do not. This is great for breeds prone to dental problems like pugs, bulldogs, and boxers.

Embrace only has a 2-day waiting period for accidents, which is one of the shortest in the industry. However, coverage for orthopedic issues has a 6-month waiting period. This isn’t ideal for larger, more active breeds that commonly experience knee or hip problems like Golden Retrievers, Labradors, or Rottweilers."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Embrace Pet Insurance Reviews


2,572 Consumer Reviews

I got embrace to cover those times that we can't brace for. Every claim I've filed has been handled quickly and if I ever have had questions, they've been handled quickly and thoroughly. I highly recommend embrace to anyone who needs pet insurance!

Jackie E.
August 25, 2023

I recently had a very sick dog that required hospitalization and a very huge bill. Embrace handled all claims in an expedient manner and sent my money sooner than you would expect. Great insurance company. One you can rely on. They live up to their promises and do everything they say they will.

Cheryl Z.
July 10, 2023

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More From Pawlicy Advisor

 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

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Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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