Embrace Pet Insurance Review

#3 in Pet Insurance

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 $200 or $400 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 $200 or $400)
  • 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 according to breed type

 Effective date

 Refer to declaration page

 Waiting period

 14 days after effective data

 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

 Plan dependent, Maximum lifetime payment $50,000


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

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 6 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!

Latest Reviews

Start your review for Embrace Pet Insurance
Barbara Cipriano
Embrace Pet Insurance review
BEWARE! Only gave 1 star bc I couldn't give 0 (zero). This company is always ready to find an excuse to not pay. Undue stress with every claim. Extremely expensive monthly premiums (300.00 for two dogs) for the amount of aggravation you go through over EACH claim! Very slow in processing and they DON'T do their job. Say they send requests to vets but when you call the vet the vet tell you they were never contacted. Horrible customer service. Can never get a manager. Nothing but a constant argument. Horrible! Horrible! Horrible!

Judith S
Middleburg, Florida
Embrace Pet Insurance review
Embrace is the absolute best. They have literally saved my dog's life. He has polyneuropathy which is a death sentence for other dogs. They have covered not only his acupuncture but also his stem cell injections that my dog Leo gets from the University of Florida vet school. There is no question that without Embrace my dog would be dead. Not only that, but in my many years with them, they have never, at any time, given me any difficulties with covering a claim and have always been courteous and caring to deal with. I could not possibly recommend them more highly.

Laura Williams
Embrace Pet Insurance review
I purchased this insurance for my beloved boxer dog. He was diagnosed with a large cancer mass in his chest and given two to three days to live. I was heartbroken but now I am just angry. Embrace denied my claim because my dog had a skin tag in the past!!!!! Yep they said a skin tag is a pre existing condition of getting a cancer mass. DO NOT BUY THIS INSURANCE THEY WILL NOT PAY YOU!!!!

Rachel Simpson
Hubbard, Ohio
Embrace Pet Insurance review
I have had my border collie covered by Embrace since he was a puppy, and have been quite satisfied with the insurance. They have covered and paid many claims for him, including alternative therapies for various injuries (Chiropractic, laser therapy, massage). I have never had a problem with them.

Leah Toth
Richmond, Virginia
Embrace Pet Insurance review
Thinking about getting pet insurance through Embrace? Don't do it. They're the biggest scammers in the business. Yes, I read articles that recommended them, too. Don't believe them. I recently submitted a claim for diagnostic tests on my dog's potentially cancerous mouth tumor. Two very highly rated and trusted veterinarians said the mass needed to be tested (since something like 40% of dog mouth tumors are indeed cancerous). Both vets also recommended a tooth cleaning since the dog would be under anesthesia, anyway. I submitted my claim for the procedure, fully expecting to be reimbursed according to the terms of my policy--for the anesthesia, for the excision of the potentially cancerous tumor, and for the pathology and testing (not the cleaning, which I recognized as a "wellness issue"--and my insurance is for accident and illness, not wellness). My claim was fully denied due to Embrace's very clever sleight of hand: since the tumor was diagnosed as benign, they refused to pay the claim. Yet the policy, in their own words, states that they cover anesthesia and pathology as part of DIAGNOSTIC testing. They are saying they owe me nothing because the tumor turned out to be benign. TURNED OUT TO BE. So they only pay for the diagnostics if the tumor is cancerous, and otherwise it is a "Wellness issue." By the way, the "Wellness Plan" is much more expensive than the "Accident and Illness Plan," for which I have been paying $65/month. Of course they want you to buy it--so they can make even more money off of your sad soul. I have spent approximately $5000 on my dog's policy over the past six years. Lifetime reimbursements? $16. I'm the sucker here. I write this so that someone out there can be smarter than I was. Don't do it, folks. Also: it is my guess that the positive reviews here were planted by Embrace. You may not know this (I didn't), but the pet insurance industry is a completely unregulated industry, except for in California, where it will soon be regulated. I would imagine Embrace will make some changes only when regulation happens. Don't be a sucker! Start a monthly savings account for your dog, and use that money when your pet has illnesses or accidents. That's what I'm going to do from this point forward.