Not only does pet insurance help cover the cost of accidents and illnesses and quickly connect you to a vet during an emergency, but it also protects you from having to pay for expensive vet costs.
Embrace is one of the best pet insurance companies available. From customizable pricing with five annual deductible options to hip dysplasia coverage, this provider could be a great option for a pet insurance policy.
In this article, we review the company’s plans, pricing, availability, and more to help you determine if it’s the right pet insurance provider for you and your pet.
Key Takeaway: After our in-depth review of top pet insurance brands across the industry, we gave Embrace a score of 93.5 out of 100 based on its performance in key metrics such as customer service, reputation, monthly cost, species eligibility, coverage, and plan options.
Our Rating for Embrace Pet Insurance
We were most impressed with the company’s five annual deductible options of $200, $300, $500, $750, and $1,000 that help you customize your premium, as well as the Healthy Pet Deductible benefit that comes with each policy.
This feature helps decrease your deductible by rewarding you with a $50 credit each year you don’t file for a claim reimbursement, allowing it to be as low as $0 until you file a claim.
Embrace Pet Insurance Background
After selling its first pet policy in 2006, Embrace partnered with American Modern Insurance Group, Inc., a group of licensed insurers that underwrites policies for Embrace, to make coverage more readily available to customers.
Some highlights include:
- Helpful mobile app for Android and iOS
- 24/7 vet health line
- Website chat for customer service
- Donates $2 to charity for every policy sold
- Launched charitable project in 2020 that raised more than $200,000
Pros & Cons of Embrace Pet Insurance
Compare the advantages and disadvantages of Embrace:
✔ Covers claims quickly
✔ Customizable pricing allowing for the right coverage at the right price
✔ Offers a free medical history review after purchase
✔ Covers several conditions
✘ Costs more than some competitors
✘ Has limited customer service hours
✘ Doesn’t offer an unlimited coverage cap option
Embrace Pet Insurance Plans and Coverage
Embrace offers a comprehensive Accident and Illness Plan and has an optional wellness add-on. Some of the veterinary care and procedures included in the Accident and Illness Plan are exam fees, genetic conditions, prescription drugs, dental trauma, congenital conditions, cancer treatment, allergy testing, physical therapy, acupuncture, general, specialist, and emergency care.
In addition to this plan, you can purchase the optional Wellness Rewards for Routine Care Plan. This additional coverage option is a wellness plan that reimburses you for routine care up to 100% of your chosen annual limit. The annual limit options for this plan are $250, $450, or $650.
Some items included in the optional Wellness Rewards for Routine Care Plan are flea, tick, and heartworm medication, routine blood tests, microchipping, medicated shampoos, routine vet visits, spay and neuter surgery, teeth cleaning, and prescription diet food.
The primary exclusion in Embrace pet insurance plans is pre-existing conditions. During the sign-up process, Embrace defines a pre-existing condition as, “any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see a veterinarian for it.”
To determine if your pet has pre-existing conditions, your pet must receive an examination by a vet 12 months prior or 14 days after the enrollment and start date of the policy. You can request a free medical history review after your purchase and cancel with a prorated refund if you disagree with the coverage offered.
Additionally, the standard plan and the wellness add-on don’t cover cosmetic, aesthetic, or elective surgeries, such as ear cropping or declawing.
Note: The Wellness Rewards plan is not available in Rhode Island.
Embrace Pet Insurance Monthly Pricing
Below are some pricing details and sample premiums for each Embrace plan by various dog and cat breeds. Note: When requesting a quote, you can set the annual reimbursement limit to be $5,000, $8,000, $10,000, $15,000, or $30,000 with reimbursement percentage options of 70%, 80%, or 90%.
Monthly Sample Premiums
|Species/breed*||Dog - Medium Mixed||Dog - Golden Retriever||Dog - Yorkshire Terrier||Cat - Domestic Medium Hair|
|Accident and Illness Plan with $500 deductible||$44.09||$66.13||$38.01||$25.92|
|Accident and Illness Plan plus Wellness Rewards with $500 deductible||$79.51||$101.55||$73.43||$61.34|
|Accident and Illness Plan with $1,000 deductible||$27.19||$40.78||$23.44||$15.98|
|Accident and Illness Plan plus Wellness Rewards with $1,000 deductible||$62.61||$76.20||$58.86||$51.40|
*All sample quotes are for four-year-old pets located in Raleigh, North Carolina
In addition to the Healthy Pet Deductible, Embrace offers a handful of discount opportunities. Depending on your eligibility, you may qualify for:
- 10% off with a multi-pet discount when purchasing a policy for two or more pets
- 10% off if your employer offers an Embrace policy as a voluntary benefit
- 5% off for active military members serving with the Air Force, Army, Marines, Navy, or Coast Guard
Note: The military discount isn’t available in New York or Tennessee, and the employee discount isn’t available in Florida, New York, and North Dakota and is reduced to 5% in Tennessee.
Embrace State Availability
Embrace is available in all 50 states, including Hawaii, Alaska, and Washington, D.C.
However, some specific coverage and discounts may not be available in every area. Get a free quote to check what coverage is available near you.
Embrace Pet Insurance Reviews
Embrace has an A+ rating and accreditation from the Better Business Bureau (BBB), but its profile shows mixed reviews regarding customer service, its claims process, and denied coverage.
Here are some Embrace customer reviews from the BBB:
“Wow, I’m shocked at the negative reviews. Are we talking about the same company here?? It kind of makes me wonder. My experience is exactly opposite of these negative complaints. They have covered all my claims very quickly. Submitting a claim is a breeze online. Every time I have called I get a person on the phone almost immediately without [a] wait. They are extremely helpful. There is nothing at all for me to complain about.”
Sharon B. says:
“I appreciate their claims’ coverage, easy online claim submissions, and direct deposit claim reimbursement payments. Also, their customer service team members are always very helpful in sorting out claim details, answering questions, and reviewing claims to get me the maximum reimbursement.”
Vasyl I. says:
“Typical insurance company! They would look for any smallest reason to deny your claim. That’s just their business model. I guess all the insurances are like that, so just save some cash for your pets in case of [an] emergency. They’ve been denying my claims over and over again and then [make] a permanent exclusion. Just makes me really mad!”
Suzanne A. says:
“Not enough information given when you join this company. Then when you send in claims, they aren’t covered, because nothing had been told to you from the beginning. I had to get more coverage to the tune of almost 50% more. Hardly any reimbursement. Not worth it!”
*Based on scores pulled from the company’s BBB profile as of January 2023
Embrace Compared To Other Pet Insurance Companies
Quickly compare Embrace to other top-rated pet insurance providers:
|Provider||Our score||Sample monthly premium*||Number of plan options|
*Based on sample quotes for a four-year-old mixed dog in Raleigh, North Carolina
While we’re particularly impressed with Embrace’s deductible options and diminishing deductible benefit, it’s also a solid choice for pet parents with animals that struggle with chronic conditions or hip dysplasia.
Embrace doesn’t cover pre-existing conditions before your policy starts, but if those issues arise after its effective date, you can have peace of mind that those conditions will be covered.
To get a free quote from Embrace, fill out this simple online form.
If you’re not sure if Embrace is right for you, compare other pet insurance providers below:
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews team is dedicated to thorough, in-depth review of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at email@example.com.