Embrace Pet Insurance Review

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With Embrace you get premium pet insurance, with great customer service all at an affordable price.

Embrace Pet Insurance was founded in 2003 by two Wharton MBA's that were part of the pet insurance team that won the Wharton Business Plan Competition. They started out slowly and have had more than a few obstacles to overcome, building and creating Embrace Pet Insurance from 2003-2006, and finally selling their first policy in October of 2006. Since then, by using a customer-centered approach they have been able to overcome every obstacle they have faced. The company prides itself on being down to earth, giving back to the pet community, and the implementation of green and environmentally friendly practices whenever possible. They pay flat rates on claims and are straightforward in their coverage, which translates to broad coverage and fast payouts.

Embrace pet insurance is ideal for pet owners who are seeking high customer service, and are in need of quality pet insurance that covers the a wide range of problems.

  • 30 Day Money Back Guarantee
  • User Friendly Informative Website
  • Wellness add-ons
  • Multiple discounts available
  • Optional low-cost RX Drug add-on
  • Lower Coverage limits

Plans/Pricing: (Rating: 8/10)

Embrace does not have different tiers of plans like most other pet insurance companies. Instead they provide one level of coverage to all, and let customer choose their own annual limits, annual deductible, and reimbursement level. This allows users to choose exactly how much their premium will be and how far their coverage will extend. Embrace's deductable is a true annual deductible, which sets them apart from other providers like PetFirst who have per incident deductibles.

They also offer an Accident Only Plan for older pets(over 14, or for pets with pre-existing conditions).

As a generic example, for a 2 year old mixed breed dog, insurance will cost $31.58/month for an annual limit of $5,000, a $200 annual deductible, and 80% reimbursement level. You can add optional RX coverage for an additional $4.75/month.
For a 2 year old domestic short-haired cat, insurance would run $19.79/month for an annual limit of $5,000, $200 annual deductable, and 80% reimbursement level. You can add optional RX coverage for an additional $3.13/month.

Waiting Period: (Rating: 9/10)

Following enrollment there is a 48 hours or 14 days (depending upon the state) waiting period for injuries and a 14 day waiting period for illnesses. There is also a 6 month waiting period for orthopedic conditions, but this can be brought down to 14 days if your pet undergoes an orthopedic exam. Any claims filed during these waiting periods will not be covered.

Availability: (Rating: 9/10)

Embrace is available in all 50 States. It is not currently available in Canada.

Exclusions: (Rating: 8/10)

Pre-existing conditions, breeding, pregnancy, and cosmetic procedures are all excluded. Dental coverage is also excluded unless you purchase their “wellness rewards” add-on, but hereditary conditions are always covered, as long as they are not pre-existing.

Claims/Deductibles: (Rating: 7/10)

Embrace offers five choices for deductibles and three for reimbursement level. For deductibles, the choices are $200, $300, $500, $700, $1,000 annually, and for reimbursement the choices are 65%, 80%, and 90%.

Payouts/Limits: (Rating: 7/10)

Embrace has a maximum annual payout limits of $5,000, $10,000 or $15,000. This is low compared to competitors and may prove problematic should you need treatment beyond the odd accident or routine wellness. Thankfully however Embrace has recently changed their plans and now do not have any lifetime limits.

Extras: (Rating: 9/10)

Through their “Wellness Rewards” plan Embrace offers coverage for routine care. This add-on covers things such as wellness exams, vaccinations, spaying/neutering, blood tests, behavioral training and dental cleaning. Customers are given the choice of annual limits of $250, $450, and $650. Monthly prices depend on which annual limit you choose, but can range anywhere from $20/month up to $50/month.

Embrace also offers “Rx Drug Coverage” with their plan. This covers prescription drug medications written by a veterinarian, and costs around $6/month.

Ease of Enrollment: (Rating: 9/10)

Embrace makes enrollment very easy. They only require you to put in your pets information to get a quote, and then set up a mailing address and payment. They also allow you to set up direct deposit, so you can get reimbursed for claims faster.

They offer a 30 day money back guarantee, so if you aren't happy and haven't submitted a claim you can cancel and get your money back within 30 days.

Customer Service: (Rating: 9/10)

Customer service can be reached by phone from Monday-Friday, 8:30am-8pm ET and Saturdays from 9am-1pm ET. Their toll free number is 1-800-511-9172. While they do not have a live chat option, they do have a good search bar on their website which helps to provide knowledge and support even after business hours.

Pricing and Details

Premium pricing is dependent on a variety of factors. Breed, age, and gender all affect the price, as well as geographic area, whether your pet is microchipped, and where your pet came from (i.e. breeder, shelter, friend etc.).
Based on Embrace's most popular options customers should expect to pay around $31.58/month for dogs, and $20.89/month for cats. You can add RX drug coverage for an additional $4.75/month for dogs and $3.13/month for cats (based on our criteria below)

*Sample price based on a 2 year old mixed breed female from Minnesota with a $5,000 annual limit, $200 annual deductible, and 80% reimbursement level, the “rx drug coverage” is listed optionally.

Contract Type
Embrace accepts payment on a monthly and or annual basis. Customers who pay annually save 5% on their premium.

Enrollment Age
Pets as young as 6 weeks can enroll with Embrace, and if maintained the policy they will continue for your pet’s entire life. There is an upper age limit of 14 years for new enrollment however.

Embrace offers the optional “Wellness Rewards” plan to cover wellness treatment. These optional plans come in $250, $450, and $650 increments. These are 100% reimbursement, no deductibles or co-pays, no waiting periods and no per item limits.

Embrace Wellness Rewards

Embrace Wellness Rewards

Yes, the main plans cover accidents and injuries.

Annual deductibles of $200, $300, $500, $700, $1000. There are no per incident deductibles.

Embrace will not increase the cost of policies due to filing claims.

There are annual limits of $5,000, $10,000, and $15,000. Embrace has also recently removed their lifetime limits.

Special Coverage
Alternative therapy, hip dysplasia, and Congenital/Hereditary conditions are fully covered with Embrace, along with Cancer treatments and breed specific conditions.


Pricing and Claim Info

Price Range for Dogs: $32 per month

Pricing Rage for Cats: $20 per month

Pricing Based on: 2 year old mixed breed spayed female, with $5,000 annual limit, $200 deductible, and 80% reimbursement level

Enrollment Age Minimum: 6 Weeks

Enrollment Age Maximum: 14 Years

Effective Date: Day after purchase

Waiting Period - Illness: 14 Days

Waiting Period - Heredity/Congenital/Other Conditions: 12 Months

Coverage: Both In-State & Out of State

Claims Cause Policy Increase?: No

Contract Type



Help and Support



Benefits/Statements Online

Annual Deductables





Per Incident Deductibles


Limits on Payouts




Per Incidence Limits



Annual Claim Limits




LifeTime Claims Limits

no limits

Covered Animals






Congenital Conditions: Yes

Wellness Coverage: Add-on help

Dental: Add-on

Pregnancy: No

Special Coverage: Yes help

Prescription Drug Coverage: Add-on

Who is This Insurance Plan Ideal For?

Embrace pet insurance is best suited for owners who want broad coverage with the options of RX drug coverage and wellness coverage from a company that provides top notch customer service. Bear in mind that there is a $15,000 maximum annual limit so if you have a breed that is prone to expensive illnesses or you live where a working dog may be susceptible to injuries you may want to consider an insurer with higher annual limits or unlimited coverage.

What We Like

User Friendly, Informational Website
Embrace does an excellent job of presenting itself to the consumer. Their website provides great information about Embrace as a company and everything that they offer to potential customers. Whether it is knowledge about their insurance plans, interest into their charity work, or just to find out more about raising a pet, you can find it on their website.

They are very transparent about what they do and do not cover, as well as clearly specifying waiting periods, deductibles and limits.

Wellness Add-on
Embrace offers a good wellness add-on that covers everything from dental and preventative care, to vaccines and spaying/neutering. The wellness plan offers no deductibles, copays or waiting periods, so they don’t count towards your annual limit. It's available in $250, $450 and $650 plans with no per item limits (unlike PetPremium).

Multiple Discounts
Embrace offers many possible discounts prior to enrollment. For example, they have a 5% multi-pet discount if you register more than 1 pet with them. They also give 5% discounts to spayed/neutered pets, active members of the military, and customers who pay on an annual basis. All of these discounts can really add up and save you lots of money.

Easy Configurability and Sign-up
With Embrace it's easy to configure the plan with the deductibles, limits, and coverage you want. You can easily add RX Drug Coverage, and Wellness coverage. They are very transparent and it is easy to understand what you are signing up for. There are no hidden gotcha's or misleading terminology.

What We Don't Like

Coverage Limits
Embrace has a maximum annual limit of $15,000 with no option for an unlimited plan. This is lower than some competitors who offer $20,000 or unlimited plans, and could potentially be reached very quickly if you have a pet that needs expensive surgery. Thankfully though they have recently removed lifetime limits so this amount will renew each year.


Embrace is an environmentally friendly, charitable, and innovative company. They offer insurance that covers almost every conceivable issue a pet could face, and they provide good support if any problem should ever arise. Unfortunately, they have low annual limits that a sick pet could easily reach. Overall though, Embrace is a business that truly cares about the well-being of their customers, and there are thousands of past clients who will vouch for their service.

With Embrace you get premium pet insurance, with great customer service all at an affordable price.

8.3 Total Score
High quality customer service and expansive coverage.

Embrace pet insurance is ideal for pet owners who are seeking high customer service, and are in need of quality pet insurance that covers the widest range of problems.

Waiting Period
Ease of Enrollment
Customer Service
  • 30 Day Money Back Guarantee
  • User Friendly Informative Website
  • Wellness add-ons
  • Multiple discounts available
  • Optional low-cost RX Drug add-on
  • Lower Coverage limits

Embrace pet insurance is ideal for pet owners who are seeking high customer service, and are in need of quality pet insurance that covers the  widest range of problems.  #pets #insurance #cats #dogs

Lynn is the founder and chief editor at ReVUEzzle.com. She is responsible for strategy and business development. Her background is in software development, marketing, and project management. She loves camping, traveling, and all things soccer related. She has been married for over 30 years to one great guy and has two adult children. Lynn is also the human companion to two cats - Jynx and Spanky. She is based in Minnesota, USA.

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