Embrace Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
54 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
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 $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!

Start your review for Embrace Pet Insurance

Latest Reviews

Based on customer reviews
54 Reviews
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Embrace without question or hesitation is absolutely the very best insurance available to your beloved pets. They have promptly paid and covered hip dysphasia in 2 oh my pups. I can't tell you enough how fabulous customer service is. The claim processing is easy. Every night I sleep well knowing my pups are covered by a fabulous insurance provider. I highly have and will continue to recommend Embrace Pet Insurance.

carole b
Hemet, California
Very impressed with the professionalism your group has shown to me in my time of need. After Dolcee passed away your staff sent condolence cards with very touching comments. It was so appreciated.

Stephen H
Pembroke, Massachusetts
We had to put down our beloved Black Lab (8 years old) due to a spinal cord tumor. My wife and were devastated but the only positive of the whole experience was how wonderful Embrace was covering his claim and reimbursing us for the sizable medical bills he incurred before his euthanasia. I would (and already have) strongly recommend Embrace to any pet parent. The staff was genuinely sincere and compassionate about our loss and did their best to help us with our claim.

Joyce R
Cincinnati, Ohio
We've had our dog insured since she was a puppy, about five years now. I've had a very easy time dealing with Embrace and have never had any claim be denied. Our dog developed EPI (Exocrine Pancreatic Insufficiency) and all the initial diagnostics and all the enzymes we have to give her since then (not cheap) have been covered. It's been such a big help and I tell other pet owners often about Embrace. Other smaller illnesses that have come up have been covered, too. The people I've dealt with have always been nice, helpful and professional. The coverage seems really reasonable to me. The online policy management and claim submission is pretty good and I'm glad they have it. I'm trying to... Read More

Linda M
I've been using Embrace for the past few years for both my cat and dog. They're really quick with processing claims and I haven't had any issues with them denying coverage. It's also super easy to submit claim documents online on their customer website. I highly recommend Embrace.

John C
New Orleans, Louisiana
Embrace has been extremely easy to work with. They review the claims very quickly and give you a response. The check follows within a few days. When I did not understand why a claim had been denied and called, they were very helpful and suggested I resubmit the claim and add the information that I had over looked in order for them to approve the claim. We have been very pleased with them for almost the two years they have covered our dogs. We have received far more in claims than the cost of the insurance.

joe I
Prescott, Arizona
My experience with Embrace has been very positive and good. All claims have been handled in a quick, courteous manner with no hassles at all. The premiums are reasonable and fair for the benefit delivered. Having Embrace for Prince has been an excellent choice and provides great peace of mind for his normal veterinary care and for emergencies that occur, particularly with his recent encounter with Javelinas.

Silver Spring, Maryland
Embrace pet insurance is the best pet insurance you can get! I have had both my dogs covered for 4 years and love the peace of mind that if anything happens they will get the best care they deserve. Embrace is always quick once I submit my claims (I hear back within two weeks usually). I highly recommend Embrace!

Excellent insurance. Fast reimbursements. I highly recommend this company.

Susan A
I have had Embrace Pet Insurance for approximately 10 years. They have paid everything that the contract promises. I have no complaints whatsoever. It has been a comfort to know that I could provide the care my dogs have needed without being concerned about cost. One dog ate gopher poison and was near death. I was able to tell the emergency vet to do whatever was necessary since I had insurance, and they treated her successfully. My other dog was able to have radiation for nasal cancer, and again, cost was not an issue. I have recommended Embrace to everyone who needed pet insurance. I particularly like that the policies can be tailored in regards to deductible and share of cost.

Start your review for Embrace Pet Insurance