Embrace Review

For around 20 years, Embrace has been providing comprehensive and affordable insurance to pet owners across the States. Though a popular choice for its fair policies, Americans turn to this insurer for its dedication to charity work and for delivering outstanding support at every turn. Backed by the American Modern Insurance Group underwriting process, there's few reasons to look elsewhere. Read on to learn more and get your pet protected for less.

Cats & Dogs Our Choice for
4 /5
$ Varies /
Starting Price
Table of Contents

    What Can Embrace Pet Insurance Cover?

    The great thing about Embrace having one comprehensive plan for accidents and illness is that it can be tailored to meet the needs of all pet owners, giving control over the price of premiums to the pet owners themselves. If you want to prepare for potential dental problems, cancer, genetic conditions like hip dysplasia, and everything in between, you'll receive up to 90% reimbursement on any upcoming vet bills.

    Like most pet insurance companies, Embrace doesn’t cover preexisting conditions. However, the pet insurer does differentiate between incurable preexisting  conditions and curable preexisting conditions . For the latter, if your pet is treatment and symptom free for a year the condition can be reintroduced to your coverage.

    Though routine treatments are not included in Embrace’s primary coverage, the company does have a separate optional wellness plan you can purchase..


    • Several Embrace discounts.
    • $25 donation if you Refer a friend
    • Includes alternative therapies
    • No vet restriction
    • Easy claim process
    • Quick Reimbursement (10-15business days)
    • 10% multi-pet discount


    • Accident coverage just for pets over 14 years
    • No direct-to-vet pay
    • Premiums increase based on age
    • No coverage for chronic pre-existing conditions

    Embrace Reimbursement and Deductibles

    As with any insurance, you have a certain amount of control over the ratio of copay, reimbursement and deductibles. You have a choice online of 5 annual deductibles ranging from $200-$1,000 and reimbursement levels of 70%, 80% or 90%.

    If you want to lower your monthly payments, you can choose a higher deductible or go with a smaller reimbursement percentage. Remember that you need to get that deductible paid off before Embrace will reimburse you for any pet illness or accident treatments.

    Embrace Waiting Periods

    Like any pet insurance company, Embrace has waiting periods written into their contracts to prevent fraud. The good news is that for the most part, Embrace waiting periods are shorter than some of its competitors’. Accidents only have a 48-hour wait period, while illnesses require a two-week waiting period.

    Since dogs have a genetic tendency toward orthopedic disorders, Embrace’s waiting period for orthopedic conditions for dogs is an extended 6 months. However, if your dog doesn’t have a history of orthopedic issues you can easily shrink this waiting period to two weeks by undergoing a straightforward orthopedic exam and waiver process.

    One thing to keep in mind is that before your coverage can start, Embrace requires you to go get them checked by a vet one year before coverage or within the 14-day waiting period.

    How Much Does Embrace Cost?

    The amount you’ll end up paying Embrace per month or per year depends on the plan you purchase for your pet and the co-pays, deductibles and annual cap you set up. When we first started looking into Embrace, we found it really helpful that the company breaks down insurance costs by breed to give you a glimpse of what you’re getting yourself into.

    That said, it’s also very simple to get a quote for your dog or cat on the Embrace website within minutes. We check the comprehensive Embrace plan from Taxas/Dallas for a 6-year-old female Cocker Spaniel with an annual cap of $15,000, an annual deductible of $300 and 80% reimbursement costs $58.77 per month. You should also check which of Embrace’s discounts you may be eligible for.

    Though Embrace is well within the affordable range of pet insurance, if you do pay annually or apply one or more of the discounts the price can dip lower than other pet insurance plans on the market.

    Plus signACCIDENT & ILLNESS Yellow star signWELLNESS REWARDS 

    All sicknesses & injuires

    Wellness tests

    Breed-specific conditions


    Chronic conditions


    Cancer treatment


    Innate conditions

    Preventatives & vaccines 

    Customer Service and Satisfaction

    On their websites can sometimes be frustratingly obtuse. Here, Embrace has really gone the extra mile to explain everything clearly and in great detail. In our experience, simply reading the Embrace website – and the lengthy FAQ section in particular – is frequently enough to answer whatever questions we have about their pet insurance coverage.

    As anxious pet parents, though, there are times when we want to clarify our policy with an Embrace human. It’s important to take note that the support center isn’t open 24/7: it’s open Monday through Friday between 8:30 am-8 pm ET and Saturdays between 9 am-1 pm ET with no Sunday hours.

    Still, during the hours it’s open you can email, call, or send in a message through your MyEmbrace portal or Embrace app to get a quick response from empathetic employees that really know how to explain the ins and outs of the policy. 

    To top it off, we really enjoy Embrace’s blog section. Though it’s unclear how often the blog is updated, the range of Embrace blog posts give you insight into many pet diseases as well as providing fun seasonal articles.

    Our Rating - How Pawsome Is Embrace?

    Insurance isn’t usually a topic that brings a smile to your face, but in the case of Embrace we’ll have to make an exception. We love how simple it is to navigate the website to get answers to our questions, learn more about caring for our pet, submitting claims and receiving reimbursement.

    Though Embrace’s reimbursement period can be slightly longer than some of its peers, Embrace makes up for it with pawsome budget-friendly plans and great service.

    The fact that there are no hidden terms or conditions is also a big deal for us. With Embrace, we know what we’re getting for our money from the get-go. When we haven’t seen what we’re looking for on the website, Embrace’s customer support staff have been kind and informative – exactly what we need to hear when we’re nervous about our pooch’s health.

    We highly recommend Embrace to pet parents like ourselves who want the best for their pets and who feel calmer knowing the insurer is staffed by true pet lovers.

    Disclaimer: 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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.