Embrace Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
70 Customer Reviews - see all reviews
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How is Embrace rated?
Benefit Limits
Reimbursement Models
Claims and Service

Why They're a Great Choice

Embrace pet insurance has an A+ rating with the BBB, and offers insurance plans for puppies, dogs, kittens and cats. We looked at their online reviews with several of the most popular review websites for the pet insurance industry and they consistently came out highly ranked. In addition, a third party article written by the Seattle Times also ranked Embrace highly because of their broad coverage, big ticket item coverage and faster payouts. Their optional wellness plan costs a bit extra, but can be used to pay for your routine checkups or even a spay/neuter surgery (up to a max of $250, $450, or $650 per year). They have a reputation for ease of use and coverage that is truly "nose to tail."


What's Included with Embrace:

  • Accidents, illnesses, genetic conditions and even chronic conditions.
  • Wellness plans that will cover routine care or even spay/neuter surgery up to an annual max (either $250, $450, or $650)
  • Maximum payouts from $5,000

Plan Details

 Type of contract

 12 months

 Enrollment age

 At least 6 weeks old, upper age limit for both cats and dogs is 14 for full coverage. Pets over 14 are limited to only accident coverage. 

 Effective date

 Refer to declaration page

 Waiting period

 After effective data, 48 hours for accidents and 14 days for illnesses 

 Out of state coverage


 Claims and policy price

 NO increase in premiums due to claims made

 Age limit

Certain age restrictions apply during enrollment but there  are no age limits in terms of policy extensions

 Annual deductible

 $100, $200, $300, $500 and $1000

 Claim limit



What does it cover?

Pets covered – Cats and Dogs

Baseline coverage

a. Illness

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications (optional)

b. Accident and Injury

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications (optional)

c. Pre-existing conditions

NOT covered

d. Congenital conditions

Covered as long as said condition was not present prior to the effective date of the policy.

e. Chronic conditions

Covered as long as said condition was not present prior to the effective date of the policy.

f. Cancer

Covered as long as said condition was not present prior to the effective date of the policy.

g. Wellness coverageCovered as plan add on

  • Vaccinations
  • Routing checkups
  • Dental care
  • Grooming
  • Training

Dental treatment is covered if caused by an accident

h. PregnancyNOT covered

i. Special coverage

  • Alternative therapy – if recommended and performed by a licensed veterinarian
  • Hip dysplasia - as long as said condition was not present prior to the effective date of the policy.


The Fine Print:

  • Embrace has age limitations on their policies. If your dog or cat is 14 or older you might not be eligible for certain coverage, but once your pet is covered, it's for life.
  • They also offer drug coverage as an add-on, which is typically something you don't have to pay extra for. 

Final Sniff

Excellent customer service and coverage are just some of the great points that enable Embrace Pet Insurance to stand out from the crowd. Embrace offers highly customizable plans that cater to pet-specific needs and, of course, your budget. This makes it easier for pet parents to find a pet insurance plan and finally give their pets the coverage they need. Embrace comes 4th in our Best Pet Insurance reviews simply because it fails to provide the cover for older pets. 

The Bottom Line:

If you have a younger pet, Embrace is a fantastic choice!

Start your review for Embrace Pet Insurance

Latest Reviews

Based on customer reviews
70 Reviews
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Scott M
This company has never lived up to expectations. Every chance they have to walk away from a claim, they walk. And when they do pay a claim, it's not very timely. I just received a claims check from a procedure that was done in October of last year. There has to be a better insurance company to protect our pets.

Catherine C
Port Orange, Florida
I am so pleased with the human and humane response I have had with Embrace. I often toll people on my walk about the complex where I live. Embrace the best !!!!

Bellevue, Washington
On to our third surgery with our fur baby and Embrace is always so easily accessible and great to work with. Called customer service recently on more information about our upcoming survey and they were so nice and empathetic. I've had very genuine experiences every time. Thank you guys!

Nona S
Oceanside, California
I have been with Embrace for over seven years and could not be more pleased. The compassion, dedication, and efficiency of the staff is unparalleled. Regrettably, multiple surgeries have depleted my annual allotment for this year, but I look forward to resuming our relationship next year. Human insurance companies could learn a lot from Embrace and the world would be a much happier place.

My dog has been insured with an Embrace accident and Illness policy for several years. The first benefit afforded to us was a deductible reduction of $150 when she had been claim free for 3 years. When my dog turned 9,she suddenly started to have one issue after another ,and Embrace was there with 80% coverage after our deductible was met. My dog has had chronic urinary infections, chronic disc disease even after surgery and dry eyes among other things.We also got coverage for acupuncture and physical therapy, Service is prompt and courteous and customer service people are easy to reach by phone or email. Coverage is not limited by illness diagnosis but by total claims and ,at... Read More

Grace Y
So far, so good! Embrace has honored claims and been a great company to work with. I'm very happy we signed up for their service!!

Robert C
Best decision for my dog and I to purchase embrace pet insurance. i know going forward that every decision for my pet will be based on her needs not on my finances. The benefit of knowing Embrace is there is invaluable and if you love your dog like I love mine pet insurance is a must have expense for peace of mind. Make sure you follow all recommendations by Embrace to ensure you know what is covered or not. This is an honest company and their personnel are top notch.

Cynthia O
Tucson, Arizona
My dogs have been covered by Embrace for a number of years. Each time we have needed their services, Embrace has done exactly what the report they will do, with a few added special kindnesses. One of our previous dogs had major surgery which was very costly. He had a very lengthy and painful recovery. Embrace paid their portion of the bill without any problems for me at all. When I had the occasion to speak with adjusters, they always wanted me to give their love and caring to our dog. Recently, we had another occasion to use Embrace for our dog Leia. She had a large cyst removed from her back. All went well. Embrace continued to come through without any complications or problems. I... Read More

Nina R
East Providence, Rhode Island
I've been using Embrace for 10 years now and can't say enough about their services. I have a mini daschund who is very healthy, however has had some bad luck in the dental department. Although dental services are not covered under his policy, he had two bruised teeth due to some sort of trauma that needed to be removed. The dental specialist worked hand in hand with the Embrace and were able to get some of my hefty bill covered which was such a huge help!!! They always go above and beyond and really care about the well-being of all of their pet clients :-) I've researched several Pet Insurance companies and Embrace is by far the best out there! No need to look any further. Thanks... Read More

Robyn A
Attleboro, Massachusetts
Customer service is helpful, professional, understanding, compassionate. My only complaint would be the length of time it takes to get a reimbursement and the multiple follow up with my busy vets office for further description on my dogs injury.

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