Embrace Pet Insurance Logo

BBB Rating





Any licensed vet

Mobile app:


Android & iOS

Customer service:


Phone and email

Editorial Rating

Embrace Pet Insurance Review

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BBB Rating





Any licensed vet

Mobile app:


Android & iOS

Customer service:


Phone and email

Waiting periods:


48 hours for accidents; 14 days for illnesses, 6 months for orthopedic conditions in dogs which can be reduced upon completion of their orthopedic waiver



Depends on breed, age, and location, and how you personalize your policy parameters

Embrace Pet Insurance Logo

Editorial Rating

Vet bills can quickly add up, especially if your pup develops a chronic condition or has an accident. Health insurance can save you money and give you peace of mind that your pet is well cared for.

But how do you choose the best pet health insurance?

Embrace Pet Insurance reviews praise this company’s comprehensive coverage, affordable price, and optional wellness program. Embrace is one of the nation’s leading dog insurance providers, and it continues to grow.

In this review, we take an in-depth look into the company and its services to help you decide if Embrace is the right insurance for you.

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. © 2021 American Modern Insurance Group, Inc.

Embrace Pet Insurance Review: Everything You Need to Know

The Embrace health insurance is top-rated animal insurance covering both dogs and cats. It reimburses up to 90% of veterinary care expenses. With their diminishing deductible and wellness rewards, you save even more for keeping your pet happy and healthy.

What Is Embrace Pet Insurance Best For?

The Embrace cat and dog insurance is perfect for:

  • Breeds at risk for medical issues (e.g., Yorkies, pugs, and Great Danes)
  • Reimburses for prevention, grooming, and training
  • Pets with curable pre-existing conditions
  • Increasing savings if your pet doesn’t experience medical problems

The Embrace animal insurance encourages conscientious pet owners with savings. By providing reimbursements for wellness costs through their optional Wellness Rewards plan and offering the industries best diminishing the deductible under their insurance policy if your pet stays healthy, Embrace rewards you for taking good care of your four-legged friend.

Is Embrace Pet Insurance Legit?

Yes, Embrace is a legitimate company. It’s been around since 2006, and BBB-accredited with an A+ rating since 2006. In 2019, the company paid over $59 million in claims, with most Embrace reviews praising the speedy and fuss-free claims process.

Embrace Pet Insurance Coverage

Embrace’s full coverage includes exam fees, medical procedures for accidents, illnesses, chronic conditions, and treatment.

Dental coverage is up to $1,000 for extractions, root canals, crowns, and other conditions.

The range of procedures is extensive, especially compared to Embrace’s competitors.

Your treatment reimbursement isn’t limited to prescription medication; it also includes:

  • Hospitalization and surgery
  • Alternative therapies
  • Rehabilitation
  • Behavioral therapy
  • Prosthetics and mobility devices

Embrace also offers an accident only policy available for pets over the age of 14.

If you’re looking for pet insurance that covers preventive care, Embrace offers an optional Wellness Rewards Plan with the options of a $250, $450, or $650 allowance.

This includes:

  • Wellness vet exams
  • Routine medical and dental care
  • Flea and tick prevention
  • Vaccinations and titers
  • Spays and neuters
  • Training
  • Grooming and cosmetic procedures
  • Prescription diet and nutrition supplements
  • Microchipping and wearable monitors
  • Massage, acupuncture, and reiki therapy
  • Cremation and burial

With the wellness reward, you can get:

  • $25 off your $250 allowance per policy year
  • $24.96 off your $450 allowance per policy year
  • $24.92 off your $650 allowance per policy year

Embrace does this since prevention can drastically cut down veterinary care costs, and it’s a great incentive for you to focus on your pet’s wellness even before they get sick.

Embrace Pet Insurance Limitations

While the Embrace health insurance does cover a wide range of conditions, it’s equally important to know what’s not covered.

Embrace Pet Insurance Waiting Period 

After you sign up, there is a waiting period to prevent insurance fraud. The timeline looks like this:

  • 48 hours for accidents and injuries
  • 14 days for illnesses
  • Six months for orthopedic conditions for dogs

The waiting period starts when the policy becomes effective. If your pet has an issue during this period, Embrace won’t reimburse you. You can shorten the orthopedic waiting period to 14 days by taking your pet for an orthopedic exam and following the waiver procedure. The standard Embrace policy won’t reimburse this exam, but the Wellness Rewards program can. Reducing the orthopedic waiting period is simple and straightforward, and it could save you money if your pet has an issue in the first six months, so most Еmbrace Pet Insurance reviews highly recommend you consider it.

Pre-Existing Conditions

If your pet has a history of medical issues, they typically count as pre-existing conditions even if they weren’t diagnosed.

For instance, your dog was vomiting and losing weight for a few months before you took out the policy. The vet prescribed an antibiotic, and the symptoms subsided. Six months into the insurance, the issue returns, and your dog is diagnosed with inflammatory bowel syndrome.

Since symptoms appeared before you got the insurance, it typically won’t cover the treatment.

Can I Take Out Pet Insurance After Diagnosis? 

Yes, but what will be covered depends on the condition.

Incurable issues like diabetes, allergies, and other chronic conditions, will typically be permanently excluded. If your pet had a bilateral condition on one side of the body (e.g., hip dysplasia), this increases the chance of getting it on the other side, and the insurance won’t typically cover it.

Curable issues like gastrointestinal or respiratory diseases are excluded for 12 months after the last episode. Once that year passes, your policy can cover future recurrences since they’re not related.

How Do I Know If My Dog Has an Existing Condition? 

To avoid unpleasant surprises, do the free medical history review after signing up for your policy.

The Embrace health insurance team will ask for your pet’s medical records for 12 months before the policy began. If your kitty or puppy was recently bought or adopted, present the papers you have since they came home with you.

You can start the review process after the waiting period. If the team notices any pre-existing conditions that will affect coverage, you can cancel your policy and receive a full refund within the first 30 days as long as there have been no claims reimbursements.

How Much Does Embrace Pet Insurance Cost?

The pet insurance cost depends on your pet’s breed, age, and location.

Go to embracepetinsurance.com and enter some basic information about your dog or cat and your ZIP code to get a quote.

You can also switch up the annual maximum coverage, deductible, and reimbursement percentage:

  • The maximum coverage ranges from $5,000 to $30,000.
  • The annual deductible varies between $1,000 and $2,000.
  • The reimbursement percentage can be 70%, 80%, or 90%.

There is a 10% discount when you enroll more than one pet. No matter what settings you choose, you still get the same comprehensive coverage of accidents and illnesses.

Embrace Wellness Rewards

Add their optional preventive care plan for reimbursements of up to $250, $450, or $650 per year. Since puppies come with more expenses (from vaccines to training), Embrace recommends going for the $650 package.

For our example (6-year-old mixed-breed dog), the wellness plan costs:

  • $18.75 per month for $250 limit
  • $35.42 per month for $450 limit
  • $52.09 per month for $650 limit

Embrace Customer Service

Embrace has a detailed knowledge base, email support, and a phone line if you have any questions or issues.

The fastest and easiest way to get your problem solved is by calling customer support. The Embrace Pet Insurance phone number is available on the website, and it’s available Monday through Saturday. The reps are friendly and well-trained to answer your questions.

For the most part, people are happy with the speed and quality of service. Some Embrace reviews, however, mention long waiting times in busy hours and frustrating interactions.

The insurance company also has a 24/7 pet health line in partnership with PawSupport at no extra cost for you. This isn’t customer service, though. The Pet Pros can answer questions about your pet’s health, behavior, and diet. They can also advise you whether to see a doctor.

How to Submit a Claim?

The Embrace claim form submission is one of the most simple and straightforward I’ve seen:

  • When you’re leaving the vet, get a copy of your itemized invoice.
  • Then, fill out the claim form which is required if you are submitting through the app, via email or fax (one for each pet on the invoice).
  • Submit on My Embrace Pet Insurance site or app.
  • If you prefer to send the documents physically, you can fax them or mail them to the company.

You can find the claim form on the client portal, in the app, or download the one emailed you when you enrolled.

To make sure your claim doesn’t get denied, double-check that the diagnosis, date of service, and total invoice amount are correct. The reason for the visit should match your pet’s veterinary records.

Claims’ processing takes between 10 and 15 days. If any documents are missing, the Embrace team will contact the vet office to get them.

Embrace Pet Insurance User Reviews [2021 Updated]

Embrace Pet Insurance reviews on Reddit and customer feedback sites are overwhelmingly positive. Here’s a recap of the common praise and complaint points:

The Positives

One of the best aspects of Embrace is how quick and convenient everything works:

  • Enrollment only takes a few minutes.
  • You can access your client panel from desktop and mobile.
  • The claim’s form is straightforward, and you can send it online, by fax, or physical mail.

Client reviews of Embrace Pet Insurance also point out the affordable pricing structure as a significant perk and a wellness plan for dogs and cats.

Overall, most users consider Embrace one of the best full-coverage pet insurance options to save money and ensure the best care for your four-legged best friend.

The Negatives

The most common Embrace Pet Insurance complaints relate to their waiting period and pre-existing condition policy.

If your pet exhibits symptoms before the policy kicks in, the condition won’t be covered. Even if the symptoms were vague and never linked to the current illness, this still applies. For a lot of owners, this comes as an unpleasant surprise in the form of denied claims. Embrace Pet Insurance reviews on BBB all relate to these problems (even though the company has an A+ rating).

To protect yourself, make sure you do the free medical history review right after the waiting period. The Embrace team will look over your pet’s records, and if they find any reason for denying claims, you can cancel your policy and apply for a refund.

The second most common complaint in Embrace insurance reviews is about the orthopedic waiting period. Unlike internal disease and accidents, the insurance covers orthopedic problems only after a 6-month waiting period. To protect your pet, take them for a quick orthopedic exam at the vet and apply for a waiver. The simple procedure will shorten your waiting time to 14 days and prevent problems in the future.

Is Embrace Pet Insurance the Best Pet Insurance?

With thousands of positive Embrace insurance reviews online, a generous full-coverage policy, and an add-on to cover preventive care, Embrace is one of the best pet insurance companies in 2021.

The company accepts claims from all clinics and vets (no network limitations), plus its healthy pet deductible and multiple pet discounts mean even more savings. While some Embrace Pet Insurance reviews complain about denied claims, you can make sure yours come through by reading up on the pre-existing condition policy and providing all relevant documentation to the Embrace team.

Alternatives of Embrace Pet Insurance

While Embrace is one of the leading pet insurance options, it’s far from the only one. Here’s how it stacks up against its competitors:

Embrace vs Trupanion

Trupanion is a popular and reputable company that offers an online suite of services, complete coverage, and flexible deductibles. Unlike Embrace, it provides unlimited payouts and a direct payment option (meaning you pay less out-of-pocket).

But Trupanion doesn’t cover exam fees, has longer waiting periods, requires more previous medical records on your pet, and lacks a senior pet policy option. If you’re interested in alternative treatments, Trupanion won’t cover these. It also lacks a wellness plan for preventive care, which Embrace offers at an affordable rate.

For more details, check out our side-by-side Embrace vs Trupanion comparison.

Embrace vs Healthy Paws

Healthy Paws is a pet health insurance with no maximum payouts and one of the industry’s quickest processing times. As per their website, 99% of claims are cleared in two days, much quicker than Embrace.

But the Healthy Paws insurance plan doesn’t cover exam fees. It limits hip dysplasia coverage and excludes cancer if your pet had another malignant growth before the policy (even if it was unrelated). Healthy Paws also excludes behavior therapy from their coverage, and It doesn’t cover your pet when you travel.

For more details, check out our side-by-side Embrace vs Healthy Paws comparison.

Embrace Pet Insurance Review: Final Thoughts

Embrace is a full-coverage insurance plan that saves you money and gives you peace of mind that your pet is protected. The diminishing deductibles, multi-pet discount, and coverage on virtually all medical care items make Embrace one of the best pet health insurance companies in 2021. With thousands of positive Embrace Pet Insurance reviews online and an A+ BBB rating, you know that you can trust the policy to keep your best friend covered!


  • 17 years of experience
  • Up to 90% back on vet bills
  • Industry's best deductible for healthy pets
  • A+ rating from the Better Business Bureau
  • MyEmbrace pet insurance app and portal to submit claims
  • Includes congenital and breed-specific conditions
  • Works everywhere, not just in a network of partners
  • Optional wellness rewards for preventive care, grooming, training costs and more
  • Can covers curable pre-existing conditions after 12-months of treatment and symptom-free


  • Limited payouts
  • User complaints about denied claims
  • No coverage for symptoms exhibited before and during the 14-day illness waiting period
Embrace Pet Insurance Logo

Editorial Rating


What is Embrace Pet Insurance?

Embrace is a pet health insurance policy that covers accidents, illness, and emergency care. After a 14-day waiting period (or six months for orthopedic conditions,) it will reimburse up to 90% of your vet bill. Embrace doesn’t limit your vet options to a particular network and processes claims both online and via fax or physical mail. It also offers a wellness plan, covering preventive care, grooming, and training, among other expenses.

How does Embrace Pet Insurance work?

To enroll your pet in the Embrace Pet Insurance program, go to embracepetinsurance.com and get a quote. Depending on your dog’s breed and age, you’ll automatically get an estimate for the monthly payment. You can also add a wellness plan to get reimbursements on preventive care costs. Once the Embrace Pet Insurance coverage kicks in, you can take your pet to any partnering vet and get the expenses covered.

Make sure you get a copy of your vet’s itemized invoice. Submit that along with the claim’s form to the MyEmbrace portal or send it via fax or physical mail. Claims take between 10 and 15 days to process. In case Embrace needs additional documents, it’ll contact your vet directly for the information.

Is Embrace a good pet insurance?

Yes, Embrace has one of the best full-coverage insurance plans. From covering exam fees and offering senior-pet-friendly policies to diminishing deductibles for healthy pets, Embrace helps you take the best care of your four-legged friend without breaking the bank.

Does Embrace Pet Insurance cover spaying?

No, its medical expense policy doesn’t cover spays and neuters. The wellness plan, however, can reimburse you for these procedures.

Is a wellness exam needed before getting pet insurance?

Yes, your pet needs a documented vet visit within the last 12 months for the policy to kick in. Embrace offers a free medical records review to see if any pre-existing conditions could affect your coverage. We recommend you do that right after the waiting period to avoid unpleasant surprises.

Which is the best pet insurance?

Choosing the best dog or cat insurance depends on your pet’s needs and your budget.

Embrace Pet Insurance is one of the best options for pet owners because:
It covers exam fees.
There is an optional preventive care package.
Senior dogs can still get insured for accidents.
Your deductible diminishes if your pet stays healthy.
You can manage your insurance entirely online.