Embrace Pet Insurance Review & Prices

Embrace pet insurance review

Overall Rating 4.6 / 5

five star review
  • Affordable premiums
    • For dogs – from $29
    • For cats – from $12
  • Customizable plans
    • Deductibles: $100 to $1,000
    • Reimbursement rates: Up to 90%
    • Annual coverage limits: $5,000 to Unlimited
  • Comprehensive Coverage
    • Accident & illness plans
    • Accident-only plan available
    • Optional wellness rewards

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About Embrace Pet Insurance 🌟

Embrace pet insurance is your dedicated partner in ensuring the health and happiness of your furry companions. Committed to offering comprehensive coverage, Embrace stands out for its affordable premiums, customizable plans, and unwavering dedication to pet well-being.

Key Highlights
Embrace provides a range of insurance plans for dogs and cats, including accident and illness coverage and accident-only plans for senior pets. One of Embrace’s unique features is its optional Wellness Rewards plan, allowing pet owners to manage routine care costs proactively.

Why Choose Embrace?
Embrace sets itself apart through its commitment to customization. Pet owners can tailor policies to fit their needs, choosing deductibles, reimbursement rates, and coverage limits. This flexibility and multiple discount opportunities make Embrace an attractive choice for those seeking personalized and cost-effective pet insurance.

A Partner in Pet Wellness
Not just an insurance provider, Embrace strives to be a true partner in your pet’s wellness journey. With straightforward claims processes and responsive customer service, Embrace aims to make pet insurance hassle-free, allowing you to focus on what matters most – the well-being of your beloved pets.

Embrace Pet Insurance Plans and Coverage🛡️

Discover comprehensive and customizable pet insurance plans at Embrace, uniquely crafted to meet your dogs’ and cats’ needs.

Accident and Illness Plans
Embrace’s Accident and Illness plans empower you with customization options, including deductible amounts, reimbursement rates, and annual coverage limits. Your pet’s health is our priority, covering conditions such as diagnostic tests, dental trauma, cancer, chronic and congenital problems.

Accident-Only Plans
Senior pets aged 14 and older can benefit from our accident-only plans, ensuring continuous coverage without age-related restrictions. While customization is more limited in this category, it offers essential protection for unexpected mishaps.

Optional Wellness Rewards
Prioritize preventive care with Embrace’s optional Wellness Rewards plan, covering routine care costs like exam fees, vaccinations, spaying or neutering, grooming, and more. With three tiers of coverage, choose the level that best suits your pet’s unique needs.

Waiting Periods and Coverage Limitations
Understand the timelines—Embrace enforces a 14-day waiting period for illness coverage and two days for accidents. For orthopedic treatment in dogs, there’s a six-month waiting period. While preexisting conditions are typically excluded, Embrace may consider curable preexisting conditions that have been symptom-free for 12 months.

Embrace Pet Insurance Cost 💵

Insurance costs are influenced by your pet’s age, breed, location, and the coverage options you select. Below, find a breakdown of average monthly premiums for dogs and cats:

Average Monthly Premiums:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $29 – $40
Cat Accident & Illness $12 – $25

Additional Costs and Fees:

  • One-time Enrollment Fee: $25
  • Monthly Payment Processing Fee: $1

Customization Options:

Adjust the following variables to tailor your plan and influence the cost:

  • Annual Deductible: Choose from $200, $300, $500, $750, or $1,000.
  • Reimbursement Rate: Opt for 70%, 80%, or 90% reimbursement.
  • Annual Coverage Limit: Select from $5,000, $8,000, $10,000, $15,000, $30,000, or unlimited.

Factors Influencing Cost:

  1. Breed and Age: Certain breeds and older pets may have different premium rates.
  2. Location: Veterinary costs vary by region, impacting your premium.
  3. Coverage Level: Higher coverage levels may result in slightly higher premiums.

Discounts and Savings:

Embrace offers various discounts, potentially reducing your overall cost. Look out for:

  • Multi-Pet Discount: Save by insuring multiple pets with Embrace.
  • Military Discount: Exclusive savings for military personnel.

Frequently Asked Questions❓🙋

Why should I choose Embrace pet insurance?

Embrace Pet Insurance offers comprehensive coverage, customizable plans, and competitive pricing. It’s a top choice for pet owners looking for reliable protection.

What makes Embrace different from other pet insurance providers?

Embrace stands out due to its customizable policies, including flexible deductibles, reimbursement rates, and coverage limits. Their commitment to offering affordable yet effective coverage sets them apart.

Are there any discounts available for Embrace customers?

Embrace often provides various discounts, including multi-pet discounts, military discounts, and special programs, making it an attractive choice for cost-conscious pet owners.

What is the Wellness Rewards plan, and how does it work?

Embrace offers an optional Wellness Rewards plan covering routine care costs. Different tiers include wellness visits, vaccinations, and preventive care, ensuring your pet’s overall well-being.

Can I enroll older pets with Embrace, and are there limitations?

Pets aged 14 and younger can enroll in full accident and illness coverage. An accident-only policy is available for pets 15 and older, ensuring continuous coverage without age-related restrictions.

How does Embrace handle preexisting conditions?

Embrace does not cover preexisting conditions. However, if your pet has been symptom-free and treatment-free for a year, a preexisting condition may be considered curable and eligible for coverage.

How can I cancel my Embrace pet insurance policy, what are the refund policies?

Pet owners can cancel their Embrace policy through email or phone. If canceled within 30 days without any claims, a full refund is often provided. After 30 days, refunds are prorated for the current billing cycle.

Does Embrace cover dental care for pets?

While Embrace doesn’t cover preventative teeth cleaning, dental illness is generally covered up to a specified limit under Embrace’s plans, ensuring comprehensive dental coverage for your pet.

Are there any waiting periods for coverage with Embrace pet insurance?

Yes, there is a 14-day waiting period for illness coverage and a 48-hour waiting period for accidents. Additionally, there is a six-month waiting period for orthopedic treatment for dogs.

Is there a deductible with Embrace pet insurance?

Yes, Embrace pet insurance plans come with an annual deductible. Pet owners can select their deductible when signing up, with higher deductibles often resulting in lower premiums.

Does Embrace cover exotic pets or only dogs and cats?

Embrace pet insurance exclusively covers dogs and cats. It does not extend coverage to exotic pets like rabbits, guinea pigs, parrots, or snakes.

Embrace Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Embrace. Read testimonials to explore their experiences with this trusted pet insurance. From Forbes, CBNC, Nerdwallet, and so on.


Embrace’s pet insurance plan earned the highest score for coverage benefits among the plans we evaluated. This pet insurance offers an accident and illness plan, which covers the widest range of problems and is the most common type of pet insurance plan.

five star review


Embrace can be a strong option for pet parents wanting to get accident-only or accident and illness insurance. With strong ratings for financial strength and customer satisfaction, this pet insurance can help you take care of your pet and your wallet.

four star review


Embrace earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

five star review


We rated Embrace 4.5 out of 5 stars and placed it amongst our top recommended providers due to its wealth of deductible and reimbursement options, affordable rates & comprehensive coverage. Its discount options also made it to our top pick for savings.

reviews 4.5

Pawlicy Advisor

Having sold its first policy in 2006, Embrace 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.

Pawlicy Advisor
four star review


Embrace is No. 2 in our rating of the best pet insurance companies. It sells policies for dogs and cats, and offers optional wellness coverage. Embrace pet insurance policies are underwritten by licensed insurers of the American Modern Insurance Group.

US News
four star review


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