Embrace Pet Insurance Review 2024 (Official)
Why You Can Trust Us
Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.
Coverage Options
Annual Deductible
$100, $300, $500, $750, or $1,000
Reimbursement Rate
70%, 80%, or 90%
Annual Coverage Limit
$5,000, $8,000, $10,000, $15,000, $30,000, or unlimited
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.
Pros
- Use any licensed veterinarian in the United States
- Covers exam fees, prescription meds, and dental disease
- Rewards healthy pets by reducing the annual deductible by $50 following a policy term in which no accident or illness claims are reimbursed
- 2-day waiting period for accidents
- 24/7 access to tele-med support
- 30-day money-back guarantee if no claims have been filed
Cons
- Accident & Illness coverage is not available for senior pets ages 15+ enrolling in a new plan
- 6-month waiting period before orthopedic conditions are covered (unless a waiver is completed)
Embrace is a trusted and well-established pet insurance provider founded in 2003. Having sold its first policy in 2006, the company has more than a decade's worth of experience. Several brands offer Embrace Pet Insurance plans. These companies include Allstate, American Modern Pet Insurance, Armed Forces Insurance, Geico, and USAA.
What's Covered
- Accidents & Illnesses
- Breed-specific conditions
- Orthopedic conditions
- Diagnostic exam fees
- Dental treatments
- Prescription medications
- Alternative therapies
- Behavioral disorders
- Euthanasia and end-of-life care
Optional Add on: Routine Care
What's Not Covered
- Lost pet advertising and rewards
- Vacation cancellation costs
- Breeding, nursing, or whelping
- Obedience training
- Cosmetic procedures
- DNA testing or cloning
- Routine care (unless added to policy)
- Pre-existing conditions
Expert Insights
Does Embrace Pet Insurance cover dental?
"Yes, Embrace pet insurance offers coverages for treatments related to new dental accidents and illnesses, including dental extractions, periodontal disease, and endodontic dental treatments. Dental illnesses have reimbursements available up to $1,000 per policy term."
Routine Care Add-On
When you add routine care coverage to your policy, you can get reimbursed up to a set amount per year for preventive costs that keep your pet happy and healthy.
Embrace wellness rewards work differently than other providers by reimbursing routine care costs on an annual allowance-based system. Policyholders can select a predetermined amount that they can use toward preventive services, such as vaccinations, parasite prevention, or spay/neuter surgery:
- $250
- $450
- $650
There is no waiting period before you can file a claim, and you do not have to meet a deductible before Embrace wellness rewards kick in. Any remaining amount will not roll over to the next policy term.
Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?
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How it Works
You can use Embrace Pet Insurance with any licensed veterinarian in the United States. Like most pet insurance plans, Embrace reimburses you for a percentage of eligible expenses on veterinary services rendered for unexpected accidents, injuries, or illnesses (after your deductible has been met).
1. Visit any licensed veterinarian, specialist, or emergency doctor — no referral is needed.
2. Pay for the visit upfront out-of-pocket at the time of your appointment.
3. File a pet insurance claim with Embrace through their app, website, email, fax, or standard mail.
4. Get reimbursed for a percentage of eligible veterinary expenses (depending on your plan's coverage).
LEARN MORE : Pet Insurance & How It Works: A Pet Parent's Guide
Embrace Pet Insurance Waiting Period
When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective, and you become eligible for claim reimbursement. The waiting period for Embrace Pet Insurance depends on the type of incident you need coverage for:
- Accidents: 2 days
- Illnesses: 14 days
- Orthopedic Conditions*: 6 months (14 days upon completion of a waiver)
*The waiting period for orthopedic conditions only applies to dogs.
Filing a Claim
- Window to File: 60 days after the next policy renewal date
- Average Claim Reimbursement: 10-15 days
- Reimbursement Methods: direct deposit or check
See how much Embrace pet insurance costs for your pet
Embrace Pet Insurance Cost
On average, Embrace costs $15 to $40 per month for Accident & Illness coverage. Remember that pet insurance pricing depends on your animal's breed, age, zip code, and the coverage options you select. Getting a custom quote is the only way to get an accurate price estimate.
Average Price for dogs:
$30 to $40 / month
Average Price for cats:
$15 to $20 / month
Sample Prices
Embrace Pet Insurance cost estimates are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, TX.
|
Breed of Pet |
6 Months Old |
3 Years Old |
10 Years Old |
|---|---|---|---|
|
French Bulldog |
$107 |
$116 |
$267 |
|
Labrador Retriever |
$70 |
$76 |
$174 |
|
Domestic Shorthair Cat |
$23 |
$27 |
$54 |
Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.
Discounts & Ways to Save
- Embrace offers a "diminishing deductible" that reduces a policy's annual deductible by $50 following a term in which no accident or illness claims are reimbursed
- Policyholders receive a 10% discount for enrolling multiple pets
- Military members are eligible for a 5% discount on premium rates
- Pet owners who sign up through voluntary employee benefits receive a 10% discount
- You can save $12 per year in processing fees if you decide to pay your premium annually instead of monthly
Embrace Pet Insurance Customer Service
Embrace has an award-winning customer service team and is particularly known for providing a great customer experience.
Monday - Friday: 9:00 AM to 8:00 PM ET
Saturday: 10:00 AM to 4:00 PM ET
Customer Service: 800-511-9172
Sales: 888-860-0838
Fax: 800-238-1042
General Email: hello@embracepetinsurance.com
Claims Questions: askclaims@embracepetinsurance.com
Other Options: online chat, 24/7 tele-med support
Enrollment Requirements
- Age at enrollment: 6 weeks - 14 years
- Medical Review: Your pet must be examined by a veterinarian in the 12 months prior to the policy's original start date, or within fourteen (14) days of the policy's original start date
- Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
- One time $25 enrollment fee
How to Cancel Embrace Pet Insurance
To cancel Embrace Pet Insurance, call their customer service number at 800-511-9172 and ask to speak to a representative. Provide them with your pet insurance policy number and customer details. You can also cancel your policy by contacting their customer service team via email or by submitting a cancellation request through their website.
Embrace offers a 30-day free trial period. If you cancel within this timeframe, Embrace will refund your enrollment premium, provided no claims have been filed.
Please keep in mind that pre-existing conditions will follow your pet from policy to policy, so if you decide to sign up again later, whether with Embrace or another company, those conditions will still be considered pre-existing.
Expert Insights
Is Embrace Pet Insurance good?
"As a Pawlicy Advisor approved provider, Embrace offers excellent coverage, customer service, and fantastic savings opportunities through its Healthy Pet Deductible.
This makes it a great option for many pet parents. We love that Embrace covers dental work, exam fees, and prescription medications, while many of its competitors do not. This is great for breeds prone to dental problems like pugs, bulldogs, and boxers.
Embrace only has a 2-day waiting period for accidents, which is one of the shortest in the industry. However, coverage for orthopedic issues has a 6-month waiting period. This isn’t ideal for larger, more active breeds that commonly experience knee or hip problems like Golden Retrievers, Labradors, or Rottweilers."
Embrace Pet Insurance Reviews
4.2
2,572 Consumer Reviews
I got embrace to cover those times that we can't brace for. Every claim I've filed has been handled quickly and if I ever have had questions, they've been handled quickly and thoroughly. I highly recommend embrace to anyone who needs pet insurance!
I recently had a very sick dog that required hospitalization and a very huge bill. Embrace handled all claims in an expedient manner and sent my money sooner than you would expect. Great insurance company. One you can rely on. They live up to their promises and do everything they say they will.
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More From Pawlicy Advisor
- Is Pet Insurance Worth It? Here's a Vet’s Perspective
- Learn How To Compare & Find the Right Pet Insurance For Your Furry Family Members
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- When Is Pet Insurance a Great Decision?
- Everything You Need to Know About Filing a Pet Insurance Claim
We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.
Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.
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