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Embrace Pet Insurance Review 2022 (Official)

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Embrace Pet Insurance 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.

Our Methodology

We analyzed top pet insurance companies to provide you with an objective breakdown on how long it takes each to reimburse you, how long you have to make a claim, deductibles, reimbursement rates, coverage limits, what’s covered, and what’s not covered.

All content has been checked by a licensed insurance expert. We strongly recommend that you get a personalized recommendation based on your pet’s breed, age, and location.

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An Overview of Embrace Pet Insurance

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

Senior pets 15+ years old cannot enroll in Illness coverage as a new policy holder

A summary of what's covered & what's not

Accidents and illnesses

Hereditary and congenital conditions

Orthopedic conditions

Diagnostic exam fees

Dental treatments

Prescription medications

Behavioral disorders

Some alternative therapies

Euthanasia and end-of-life care

Pre-existing conditions

Breeding, whelping, or pregnancy

DNA testing or cloning

Cosmetic procedures

Lost pet advertising & reward

Preventative care

Embrace Pet Insurance Specifications

Available Plans

  • Accident & Illness
  • Accident-Only
  • *Wellness Rewards

Waiting Periods

  • Accidents: 2 days
  • Illnesses: 14 days
  • Orthopedic conditions: 6 months (reduced to 14 days upon completion of waiver), only applies to dogs

Claim Filing Process

  • Online, mobile app, email, fax, or mail

Window to File

  • 60 days after the next policy renewal date

Average Time to Payout

  • 10-15 business days

Reimbursement Methods

  • Direct deposit or check

Medical Record Review

  • 12-month history

Age Restrictions on Enrollment

  • Minimum = 6 wk/o
  • Maximum = 14 yr/o for Accident & Illness coverage

Embrace Customer Service

Cancellation Policy

  • Cancel anytime by phone or email
  • 30-day money-back guarantee

Embrace Pet Insurance Coverage Options

Reimbursement Rates

  • 70%, 80%, 90%

Deductible Amounts

  • $200, $300, $500, $750, $1000

Payout Limits

  • $5000, $8000, $10000, $15000, $30000

What Does Embrace Pet Insurance Cover?

Embrace offers Accident & Illness coverage that’s comparable to other pet insurance providers. Embrace policies also cover breed-specific, genetic, congenital, and chronic conditions, as long as they aren’t determined to be pre-existing.

Embrace also offers coverage for exam fees, dental illnesses, orthopedic conditions, alternative therapies, and behavioral treatments, which aren’t always covered by other pet insurance companies.

Does Embrace cover dental?

Unlike many other pet insurance providers, Embrace offers coverage for new dental illnesses and injuries up to a limit of $1,000 per year. Eligible procedures and related costs may include, but are not limited to:

  • Tooth extractions
  • Root canals
  • Crowns
  • Endodontic treatments
  • Unerupted tissues

NOTE: Embrace does not cover the cost of dental cleanings for the treatment or prevention of periodontal (gum) disease in pets. However, they can provide coverage for related charges that typically occur when pets receive dental procedures (such as anesthesia, extractions, post-operative pain medications, etc.) up to the annual limit. This may prove very valuable considering the prevalence of dental issues in pets.

Embrace Pet Insurance coverage exclusions

Like all pet insurance policies, Embrace won’t cover pre-existing conditions. Some items that aren't covered by the Accident & Illness plan — such as dental cleaning, prescription diet foods, nutritional supplements, training classes, and cremation or burial — can be covered through Embrace’s *Wellness Rewards program, which is designed to offset the cost of preventive care.

Additional services excluded from Embrace Pet Insurance coverage include:

  • DNA testing
  • Cloning
  • Cosmetic procedures (such as tail-docking)
  • Breeding, whelping, and pregnancy
  • Injuries resulting from deliberate injury or cruelty to your pets.

Interestingly, Embrace specifically notes that it won’t cover health issues caused by “nuclear war.”

Compared to other pet insurance companies, Embrace policy exclusions are relatively limited - which is great.

Embrace Pet Insurance coverage details chart:

Use Any Vet
Use Any Vet
Illnesses that your pets might encounter
Includes coverage for cancer-related treatments like chemotherapy and radiation treatment.
Breed-Specific Conditions
Breed-Specific Conditions
Knee Injury
Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
Blood Tests
Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
Alternative Therapies
Alternative Therapies
Behavioral Issues
Behavioral Issues
Prescribed Foods + Medication
Prescribed Foods + Medication
Exam Fees
Exam Fees
Exam Fees for a Covered Occurrence
Poison Control Consultation Fees
Supplements For Covered Conditions
Supplements For Covered Conditions
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.
Vet Labor
Vet Labor
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Stem Cell Therapy
Breeding, Pregnancy, Whelping or Nursing
Complications from Breeding, Pregnancy, Whelping, or Nursing

How Much Does Embrace Pet Insurance Cost?

On average, Embrace Pet Insurance costs $30 to $40 per month for dogs, and $15 to $20 per month for cats — depending on your pet’s breed, age, zip code, and the coverage options you select. To get a plan from Embrace, you will need to pay a one-time enrollment fee of $25.

Embrace Pet Insurance discounts & ways to save

Embrace offers a lot of flexibility in their plans, which gives you more ways to save compared to some other companies. You can choose from a wide range of deductible amounts, reimbursement rates, and annual limits to find a monthly cost that suits your budget.

Embrace gives customers another unique way to reduce costs through its Healthy Pet Deductible. This “diminishing deductible” rewards healthy pets and their owners by reducing their annual deductible by $50 following a policy term in which no accident or illness claims are reimbursed.

Additionally, you can save $12 per year in processing fees if you decide to pay your premium annually instead of monthly.

RELATED: Average Pet Insurance Costs by Breed, Age, and State

How Does Embrace Pet Insurance Work?

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).

You can go to any licensed veterinarian, specialist, or emergency doctor you’d like, and must pay for the visit upfront at the time services are rendered. Then, you would file an Embrace Pet Insurance claim to get paid back for a percentage of your out-of-pocket expenses at the reimbursement rate outlined by your policy (provided that your deductible has been met, and you have not yet reached your annual payout limit).

RELATED: How Pet insurance Works

Embrace enrollment requirements

According to information provided on their website, Embrace Pet Insurance requires that your pet:

  • Be examined by a veterinarian in the 12 months prior to the pet's original start date, or within fourteen (14) days of the pet's original start date
  • Failure to do so will result in your policy defaulting to an Accident Only policy (meaning, you will have no illness coverage and illness premiums will be refunded)
  • You may add illness coverage back into your policy once a qualifying veterinarian has examined your pet and detailed records for the exam are available to Embrace Pet Insurance.
  • This will result in your Illness Waiting Period end date changing to the date of the first exam.
  • No illness coverage is available until a qualifying veterinarian has examined your pet, and pre-existing conditions, if any, may be determined upon the date of the qualifying veterinarian's examination.

How to File an Embrace Pet Insurance Claim Form

Embrace gives policyholders multiple ways to file a claim. The easiest way is through the company’s mobile app because it doesn't require you to fill out a form. Simply take a picture of your invoice on your mobile phone, then upload it via the app.

You can also file online, by phone, fax, email, or standard mail. You’ll need to fill out an Embrace Pet Insurance claim form, which is available on the company's website. Access your account by entering your Embrace Pet Insurance login information, then follow the instruction prompts step-by-step.

To submit your claim, the following information is needed:

Any claim you make will be assesed fairly, reasonably and promptly against the information you provide and the terms of the policy. All claims must be submitted during the policy term or within sixty (60) days of the end of that term. Embrace requires a diagnosis from the vet which can either be listed on the claim form or during the online or in app submission. Embrace will post their claims decision on your MyEmbrace customer portal. You may also request that a claim form be mailed to you. You must provide all itemized invoices from your veterinary provider, along with your completed claim form before Embrace will reimburse you.

Average time for claim reimbursement

Embrace will process claims within 10 to 15 business days once all information is received. On average, it only takes 2 to 3 days for Embrace to reimburse via direct deposit, and 5 to 7 days via check.

How to contact Embrace Pet Insurance customer service

The Embrace Customer Service line is open Monday through Friday, from 9:00 AM to 8:00 PM ET, and from 10:00 AM to 2:00 PM ET on Saturday. They have an award-winning customer service team and are particularly known for their customer service.

Embrace Customer Service Phone Number: 800-511-9172

Fax Line: 800-238-1042

Email Support: hello@embracepetinsurance.com

Claims Questions: askclaims@embracepetinsurance.com

For questions regarding your pet’s healthcare, Embrace has partnered with Paw Support. The exclusive tele-med provider gives policyholders 24/7 access to Pet Pros who can offer guidance on topics such as:

  • Possible symptoms
  • Poisons and toxins
  • Behavioral changes
  • Exercise
  • Diet
  • Training
  • Medication concerns
  • Vitamins and supplements
  • Managing chronic conditions
  • Emergencies
  • Wellness care
  • Holistic care options

How to Cancel Embrace Pet Insurance

You can cancel Embrace Pet Insurance policy at any time by calling customer service or sending them an email.

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

If you provide Embrace Pet Insurance notice of cancellation within thirty (30) days of the policy's original start date and you have made no claim, Embrace will refund the premium you paid us and the policy will be cancelled. If you have made a claim within thirty (30) days of the effective date, the premiums paid for or allocable to the first month of coverage become fully earned upon the submittal of the claim, and you will only receive a refund for any premiums paid beyond the first month. After the first thirty (30) days of the policy period, Embrace Pet Insurance will compute any refund on a daily pro-rata basis based on the termination date of the policy.

Upon cancellation, you may be entitled to a premium refund. If you provide Embrace a notice of cancellation within thirty (30) days of the Policy Original State Date and you have made no claim, Embrace will refund the premium you have paid and the policy will be cancelled. If you have made a claim within thirsty (30) days of the effective date, the premiums paid for or allocable to the first month of coverage become fully earned upon the submittal of the claim, and you will only receive a refund for any premiums paid for periods beyond the first month. After the first thirty (30) days of the policy period, Embrace will compute any refund due on a daily pro-rate basis based on the termination date of the policy.

Is Embrace Pet Insurance Good?

Embrace offers excellent coverage, flexible plans, and fantastic savings opportunities through its Healthy Pet Deductible. This makes it a great option for many pet parents.

About Embrace Pet Insurance company

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. Its insurance underwriter is American Modern Property and Casualty Insurance Company, whose parent company is Munich Reinsurance Company.

Several brands offer Embrace Pet Insurance plans labeled as their own product. These companies include:

  • Allstate
  • American Modern Pet Insurance
  • Armed Forces Insurance
  • Geico
  • USAA

What we like about this provider

Embrace covers dental work, exam fees, and prescription medications, while many of its competitors do not. It only has a 2-day waiting period for accidents, which is one of the shortest in the industry - and offers 24/7 access to telemed support.

One of our favorite things about Embrace is that they reward healthy pets by reducing the annual deductible by $50 following a policy term in which no accident or illness reimbursements have occurred. They also have a 30-day money-back guarantee if no claims have been filed.

What could be improved

At this time, Embrace offers an unlimited annual payout in most, but not all U.S. states. Those who are interested in this option have to call in and request this option, subject to availability based on location. There is also no $0 deductible option.

For pets aged 15 years or older at the time of enrollment, Embrace doesn’t offer Accident & Illness coverage. However, senior pets are eligible to receive Accident-Only coverage - and existing policyholders can continue their Accident & Illness coverage once their pet turns 15.

Is Embrace Wellness Rewards worth it?

The Embrace pet wellness plan works differently than other providers because it provides reimbursement for routine pet care following an allowance-based system. Policyholders select a predetermined amount ($250, $450, or $650) that they can seek in reimbursement for preventive treatments.

This could allow some pet parents to budget for their pet’s big-ticket expenses more comfortably. For example, rather than paying hundreds of dollars for your dog’s teeth cleaning or your cat’s spay/neuter surgery out-of-pocket, you could pay a monthly amount based on the allotment amount you choose, then file a claim for reimbursement. You could get paid back by Embrace in about a week’s time, and rest confidently knowing you’ll be able to satisfy other financial obligations at the end of the month.

Customer Reviews on Embrace Pet Insurance

While online opinions should be taken with a grain of salt, reading through Embrace Pet Insurance reviews can be helpful to glean insight into how satisfied policyholders are with their plan.

Embrace Pet Insurance reviews on Pawlicy Advisor

Here's what Pawlicy Advisor users say about Embrace:

Easy and glad we have it!
“So far we’ve been pleased. The app is easy to use and upload documents from vet visits. Claims have been handled pretty quickly and the couple of times we’ve had to call or email, the Embrace team were very quick with responding and pleasant, professional and caring.”

Embrace is the best
“Just be sure to get a review after obtaining your policy so your pet can be ready to go if something happens. But they are great… pay on time, fair, it’s a big help if anyone gets sick. We save[d] thousands when our sweet Luna got cancer. She didn’t make it but what a relief not to think about money when giving her care.”

Embrace is amazing
"Tank was recently diagnosed with CHF and Embrace has been there for us through all the tests, the procedures and the medicines. They reimburse us directly into our checking account within just a couple of days. I don’t know what we would do without them."

Embrace Pet Insurance BBB rating

Embrace Pet Insurance has an A+ Rating at the Better Business Bureau (BBB) with a score of 3.57/5 Stars from customer reviews.

“They are everything they claim to be. I have a policy I can rely on, understand all costs, and no hidden fees. It's refreshing to find a company, any company, that is honest and clear. In addition the support team is AAAAAA. We made an excellent choice when we decided to go with Embrace as I'm sure you, too will experience.” — Lonnee S

“I have been an Embrace client for going on nine years. I carried two coverages; Wellness Rewards and Accident & Illness. Their service has been excellent regarding handling of my claims. I could not ask for a better partner in caring for my furry companion, who just passed away. I do recommend this company whenever possible.” — Tom C

Embrace Pet Insurance Review: Final Verdict

Embrace is an excellent choice for pet parents who want to cover all their bases. It offers some of the most comprehensive coverage in the industry.

It’s also a great choice for healthy pets because of the diminishing deductible program (Healthy Pet Deductible). Pet parents who are concerned about breed-specific conditions should keep Embrace Pet Insurance on their shortlist as well.

Embrace may not be the best choice for elderly pets or pets that have a higher risk of expensive medical conditions later in life. Pet parents searching for a generous wellness add-on may wish to search elsewhere.

Frequently Asked Questions

Does Embrace Pet Insurance cover euthanasia?

Yes, Embrace covers euthanasia and end-of-life care.

Does Embrace Pet Insurance cover hip dysplasia?

Yes, Embrace covers hip dysplasia (after the six-month waiting period) and other congenital conditions, as long as it is not pre-existing.

Does Embrace Pet Insurance cover parasites?

Yes, Embrace covers both internal and external parasites.

Does Embrace Pet Insurance cover ear infections?

Yes, Embrace covers ear infections, as long as they aren’t related to a pre-existing condition.

Does Embrace Pet Insurance cover vaccines?

No, the Embrace Accident & Illness plan won’t cover vaccines, but you can get reimbursement for vaccines through Embrace Wellness Rewards.

Does Embrace Pet Insurance cover medication?

Yes, Embrace Pet Insurance covers prescribed medications.

Does Embrace Pet Insurance cover spaying?

No, Embrace Accident & Illness coverage does not include the cost of preventive care, but you can get reimbursed for a pet’s spay or neuter procedure by its wellness plan.

How is Embrace Pet Insurance rated?

Embrace Pet Insurance has an A+ rating at the BBB with customer reviews of 3.57/5 stars. It also has a Trustpilot rating of 4.1/5 stars.

How long does it take Embrace to reimburse?

On average, it takes Embrace 10 to 15 business days to payout claim reimbursements.

What days is Embrace Pet Insurance open?

Embrace Pet Insurance is open Monday through Friday from 9 am to 8 pm ET. It is open Saturday from 10 am to 2 pm ET.

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. *Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2022 American Modern Insurance Group, Inc.
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