Embrace Pet Insurance 2025: In-Depth Coverage Review & Key Insights
Our expert's opinion on Embrace
Embrace Pet Insurance stands out in the US market by offering a highly flexible, single-plan structure for both dogs and cats, with customizable reimbursement rates, annual deductibles, and annual limits, plus a popular optional Wellness Rewards add-on that covers routine care. This model positions Embrace alongside leading competitors like Healthy Paws and Nationwide, but its strengths are its broad coverage for accidents, illnesses (including chronic and hereditary conditions), and dental disease ($1,000/year sub-limit), as well as its straightforward pricing and digitally driven claims experience. Embrace is best suited for newer pet owners seeking custom coverage for young or purebred animals, those wanting high reimbursement rates, or households with multiple pets looking for discounts. Administered by Embrace and underwritten by American Modern (A+ A.M. Best), Embrace insures over 500,000 pets and shows robust financial stability; its Trustpilot rating is 4.1/5 from over 8,800 reviews, with most claims processed within 1–2 days and reimbursements typically within days via a fully paperless claims portal.
- ✅Customizable deductible and reimbursement options
- ✅Covers chronic, hereditary, dental, and behavioral conditions
- ✅Annual deductible (not per-incident)
- ✅Optional Wellness Rewards for routine care
- ✅Claims processed in as little as 1–2 days
- ✅Digital-first, fully paperless claims workflow
- ✅10% multi-pet discount and any-vet flexibility
- ❌Premiums increase annually, sometimes by 20–35%
- ❌Wellness and preventative care require paid add-on
- ❌No coverage for pre-existing conditions (strict definitions)
- ❌Dental illness sublimit $1,000/year
- ❌App lacks some advanced features vs competitors
- ✅Customizable deductible and reimbursement options
- ✅Covers chronic, hereditary, dental, and behavioral conditions
- ✅Annual deductible (not per-incident)
- ✅Optional Wellness Rewards for routine care
- ✅Claims processed in as little as 1–2 days
- ✅Digital-first, fully paperless claims workflow
- ✅10% multi-pet discount and any-vet flexibility
Our expert's opinion on Embrace
ScoreEmbrace Pet Insurance stands out in the US market by offering a highly flexible, single-plan structure for both dogs and cats, with customizable reimbursement rates, annual deductibles, and annual limits, plus a popular optional Wellness Rewards add-on that covers routine care. This model positions Embrace alongside leading competitors like Healthy Paws and Nationwide, but its strengths are its broad coverage for accidents, illnesses (including chronic and hereditary conditions), and dental disease ($1,000/year sub-limit), as well as its straightforward pricing and digitally driven claims experience. Embrace is best suited for newer pet owners seeking custom coverage for young or purebred animals, those wanting high reimbursement rates, or households with multiple pets looking for discounts. Administered by Embrace and underwritten by American Modern (A+ A.M. Best), Embrace insures over 500,000 pets and shows robust financial stability; its Trustpilot rating is 4.1/5 from over 8,800 reviews, with most claims processed within 1–2 days and reimbursements typically within days via a fully paperless claims portal.
- ✅Customizable deductible and reimbursement options
- ✅Covers chronic, hereditary, dental, and behavioral conditions
- ✅Annual deductible (not per-incident)
- ✅Optional Wellness Rewards for routine care
- ✅Claims processed in as little as 1–2 days
- ✅Digital-first, fully paperless claims workflow
- ✅10% multi-pet discount and any-vet flexibility
- ❌Premiums increase annually, sometimes by 20–35%
- ❌Wellness and preventative care require paid add-on
- ❌No coverage for pre-existing conditions (strict definitions)
- ❌Dental illness sublimit $1,000/year
- ❌App lacks some advanced features vs competitors
- ✅Customizable deductible and reimbursement options
- ✅Covers chronic, hereditary, dental, and behavioral conditions
- ✅Annual deductible (not per-incident)
- ✅Optional Wellness Rewards for routine care
- ✅Claims processed in as little as 1–2 days
- ✅Digital-first, fully paperless claims workflow
- ✅10% multi-pet discount and any-vet flexibility
- Embracing Guarantees
- Embracing Exclusions
- Prices Embrace
- Embracing Assistance
- Customer Reviews of Embrace
- Contacting Embrace: A Comprehensive Guide
- FAQ
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies on the market each year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of Americans trust us every month to guide them in their most important financial decisions.
Embracing Guarantees
Embrace offers a single, highly customizable pet insurance plan for dogs and cats, allowing policyholders to select their preferred annual deductible, reimbursement rate, and annual limit; coverage highlights include accidents, illnesses (including hereditary and chronic conditions), diagnostic tests, medication, behavioral therapy, hospitalization, dental illness (subject to a $1,000 annual sub-limit), and certain complementary therapies.
Routine and preventative care are not included in the standard plan but can be funded via the optional Wellness Rewards add-on, which reimburses for vaccines, checkups, grooming, and more; a wellness bonus and broad eligible spending categories set this apart, although the add-on cost may impact total premiums.
Key advantages are Embrace’s annual deductible (not per condition), broad acceptance at any licensed vet, fast claims process, and transparent pre-existing condition assessment; their policies are lauded for customer service and claims clarity, with a 14-day illness and 2-day accident waiting period (180 days for some orthopedic issues—but can be waived via exam).
Weaknesses include no standard liability coverage, lack of wellness/reward points without purchasing the add-on, exclusions for pre-existing and some preventable or cosmetic conditions, and reports of potentially significant premium increases at renewal.
Overall, Embrace stands out for its depth of medical coverage, flexible wellness add-on, and customer-oriented reputation, though prospective clients must carefully consider recurring premium adjustments and the extra cost for full routine care support.
| Name of coverage | Embrace Standard Plan |
|---|---|
| Plan positioning | Comprehensive, customizable reimbursement-based coverage |
| Type of coverage (accident, illness, both, etc.) | Accidents, illnesses, hereditary/chronic, dental illness |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate (%) | Customizable; schedule at signup (e.g. 70–90%) |
| Annual reimbursement limit | Customizable; per policyholder specifics |
| Deductible (annual or per claim) | Annual, customizable amount |
| Age limits for enrollment (for dogs and cats) | N.C. |
| Pre-enrollment health questionnaire | Previous 12 months' medical records required |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 2 days (N.C.; 2 days typical, confirm in policy) |
| Lifetime coverage once subscribed | ✅ Until policy is canceled |
| Vet consultations (regular + emergency) | ✅ |
| Medications | ✅ Only if listed/approved in policy |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, labs) | ✅ |
| Dental care (includes scaling and procedures) | ✅ Dental illness, $1,000 sub-limit/year |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ Optional via Wellness Rewards add-on |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ For covered condition and by licensed vet |
| Travel coverage (countries included, duration) | US, its territories/possessions (short trips abroad: N.C.) |
| Civil liability | ❌ |
| Euthanasia | ✅ If medically/humanely necessary |
| Death & cremation coverage | N.C. |
| Theft or loss of pet + search expenses | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ |
Important Policy Details
Dental illness coverage includes extractions and non-preventative care, but not cleanings.
Waiting period for some orthopedic conditions is 180 days unless waived by vet exam.
Behavior therapy and some complementary therapies (acupuncture, hydrotherapy, chiropractic, etc.) are only covered if related to a covered condition and performed by a veterinarian.
Coverage and deductible amounts are set per pet, per policy year; no per-incident deductible.
All coverage is subject to exclusions detailed in the policy (e.g., pre-existing conditions; full list in the policy).
Compare Embrace’s customizable plan and optional benefits to find the best fit and cheapest rate for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Embracing Exclusions
Embrace’s policy exclusions are comprehensive and align with most leading US pet insurers, but noteworthy limitations include a strict approach to pre-existing conditions, exclusion of many temporary conditions until symptom-free for 12 months, and a 180-day waiting period for specific orthopedic issues unless a waiver is obtained.
Preventable or elective treatments, such as cosmetic surgeries and illnesses arising from non-compliance with vaccination schedules, are not covered—unlike a few competitors that offer partial reimbursement for certain procedures.
All costs stemming from professional animal activities (unless pre-authorized), commercial use, or deliberate harm/neglect are systematically excluded.
Embrace draws a clear line on non-prescribed foods, supplements, and alternative therapies outside a specific medically-justifiable context (e.g., nutritional counseling, Reiki, Magnet Therapy), which may be stricter than some market offerings.
Boarding fees, loss/theft expenses, genetic testing for non-illness purposes, and liability coverage are also never reimbursed, so clients should compare these with any unique needs for their pet.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (including linked bilateral conditions) - Temporary conditions unresolved for 12 months - Certain orthopedic issues if within 180 days - Illnesses preventable by vaccine if owner refused vaccine - Breeding procedures - Organ transplants - Genetic/chromosome testing not for diagnosis - Dental cleaning (preventative only) |
| Behavioral & Procedural exclusions | - Cosmetic/elective surgeries (tail docking, ear cropping, declawing, etc.) - Treatment for behavioral problems due to prior aggression - Second/subsequent anesthesia for foreign body removal in the same period |
| Alternative/complementary exclusions | - Non-vet therapeutic services (Reiki, Magnet Therapy, nutritional counseling for wellness rather than treatment) - Alternative/complementary care not linked to a covered illness or performed by a veterinarian |
| Coverage & care process exclusions | - Treatment contrary to vet recommendation (unless pre-authorized) - Services by owner’s own veterinary license for their own pet - Professional/commercial/racing animal medical care (unless pre-authorized) |
| Geographic/external risk exclusions | - Claims related to war, pandemics, nuclear, chemical or biological events - Non-covered as primary policy if another pet insurance is active - N.C. for requirements on care received outside US and its territories |
| Financial/benefit exclusions | - Boarding or medical boarding fees - Prescription and non-prescription food/supplements, vitamins, shampoos - Loss, theft, or death of pet outside medical necessity - Liability coverage - Search/advertising/cremation expenses |
- Temporary conditions unresolved for 12 months
- Certain orthopedic issues if within 180 days
- Illnesses preventable by vaccine if owner refused vaccine
- Breeding procedures
- Organ transplants
- Genetic/chromosome testing not for diagnosis
- Dental cleaning (preventative only)
- Treatment for behavioral problems due to prior aggression
- Second/subsequent anesthesia for foreign body removal in the same period
- Alternative/complementary care not linked to a covered illness or performed by a veterinarian
- Services by owner’s own veterinary license for their own pet
- Professional/commercial/racing animal medical care (unless pre-authorized)
- Non-covered as primary policy if another pet insurance is active
- N.C. for requirements on care received outside US and its territories
- Prescription and non-prescription food/supplements, vitamins, shampoos
- Loss, theft, or death of pet outside medical necessity
- Liability coverage
- Search/advertising/cremation expenses
Prices Embrace
Embrace occupies a mid-to-high position in the US pet insurance market, balancing comprehensive illness and accident coverage—including hereditary, chronic, and dental conditions—with customizable reimbursement and deductible options.
Reimbursement rates and coverage caps are competitive, but annual premiums are generally higher than basic or minimalist policies, reflecting the broad scope of included high-cost treatments and one annual deductible per pet.
As a digital-first provider, Embrace leverages technology for streamlined claims, modestly improving administrative efficiency; while this contributes to pricing competitiveness, the focus remains on deep medical coverage rather than lowest possible cost.
Embrace is best suited for owners seeking value from robust coverage and flexibility—even if it means paying a somewhat higher premium than certain budget competitors.
Annual increases can be steeper than average as pets age, but core coverage remains among the most inclusive on the market.
| Embrace Customizable Plan | |
|---|---|
| Young cat (2–4 years) | $20–$35/month |
| Senior cat (7–8 years) | $45–$65/month |
| Small breed dog | N.C. |
| Small breed dog (2–4 years) | $28–$40/month |
| Large breed dog (2–4 years) | $45–$70/month |
| Senior dog (7–8 years) | $75–$90/month |
To find the most suitable plan and price for your pet, it's essential to compare Embrace with other pet insurance providers. Research and compare policy coverage (including deductibles, reimbursement rates, and annual limits), waiting periods, exclusions, and customer reviews. Consider getting quotes from multiple providers, such as Trupanion, Pets Best, Healthy Paws, and ASPCA Pet Health Insurance, to evaluate their offerings against Embrace. Factors like your pet's breed, age, pre-existing conditions, and your budget will influence the best choice. Online comparison tools and review sites can also help streamline this process.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Embrace Promo Codes
| Embrace Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Embrace: Understanding Your Reimbursement
With Embrace, you pay your vet directly and then submit a claim—after subtracting your annual deductible, a percentage of eligible veterinary costs is reimbursed up to your annual coverage cap.
Urinary Tract Infection Treatment Cost Breakdown
Consultation and treatment for a urinary tract infection Total vet costs: $300 (exam, tests, medications) Deductible amount to subtract: $200 (annual deductible applied, first claim of the year) Amount reimbursable after deductible: $300 – $200 = $100 Reimbursement at 90% (highest-tier plan): $100 × 90% = $90 👉 You receive a reimbursement of $90; out-of-pocket cost is $210. ℹ️ The deductible only applies once per policy year; subsequent claims will not require a new deductible until your next renewal.
TPLO Surgery Reimbursement Example
TPLO surgery (cruciate ligament repair) Total vet costs: $4,000 (diagnosis, surgery, anesthesia, hospitalization, follow-up) Deductible already met earlier in the year Amount reimbursable: $4,000 × 90% = $3,600 👉 You receive a reimbursement of $3,600; out-of-pocket cost is $400. ℹ️ Major operations highlight how quickly coverage can save significant out-of-pocket expenses after the deductible is satisfied.
Dental extraction reimbursement details
Dental extraction for tooth abscess. Total vet costs: $800 (exam, X-rays, anesthesia, extraction). Deductible already met on previous claims. Amount reimbursable at 90%: $800 × 90% = $720. You receive a reimbursement of $720; out-of-pocket cost is $80. ℹ️ Dental conditions are reimbursed up to the $1,000 annual dental limit; excess is the pet owner's responsibility.
Embracing Assistance
Embrace stands out for its fully digital claims process, allowing policyholders to submit and track claims quickly through a web portal or app, with direct deposit reimbursements available. While a mobile app is available, it receives average ratings and is functional for filing claims but does not offer exceptional user experience or advanced support beyond the basics. A key limitation is the absence of advance payment solutions, so pet owners must pay the vet up front before being reimbursed. No 24/7 emergency vet or teleconsultation line is provided, and there is no dedicated network of partner clinics—coverage applies to all licensed vets in the US, which provides flexibility but less structured assistance in emergencies. Policy coverage does not extend abroad, so assistance ends at the US border; owners traveling internationally must be aware of this gap.
| Assistance Embrace | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service is offered. Pet owners must pay upfront and claim reimbursement later. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ✅ | Available for iOS and Android. Allows claims, claim tracking, and policy management. Average user reviews. |
| Paperless claims process | ✅ | Claims submitted online or via app. Receipts and documentation uploaded digitally. Direct deposit reimbursed. |
| Emergency vet service | ❌ | No 24/7 emergency vet hotline or teleconsultation available. |
| Vet/clinic partner network | ❌ | No specific network; all licensed vets in the US are eligible. No negotiated rates or special partnerships. |
| Coverage abroad | ❌ | Coverage is strictly within the United States. International claims are not eligible. |
Allows claims, claim tracking, and policy management.
Average user reviews.
Receipts and documentation uploaded digitally.
Direct deposit reimbursed.
No negotiated rates or special partnerships.
International claims are not eligible.
Customer Reviews of Embrace
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.1 / 5 (8,800+ reviews) |
| N.C. | N.C. |
| N.C. | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Embrace for their pets often mention:
- ✅ An easy and intuitive claims process, with fast reimbursement speed frequently highlighted.
- ✅ A high level of customer service: staff are described as helpful, professional, and knowledgeable.
- ✅ Transparent coverage details, clear explanations of exclusions, and satisfaction with annual deductible only being charged once per year.
- ✅ Comprehensive coverage that effectively protects against large, unexpected veterinary expenses.
- ✅ Many long-term clients express continued satisfaction and recommend Embrace to other pet owners.
On the negative side:
- ❌ Annual premium increases are sometimes substantial and cause dissatisfaction, especially as pets age.
- ❌ Some users report occasional delays or complexity when large claims are reviewed.
- ❌ Isolated cases of denied claims or perceived difficulty in covering certain conditions.
- ❌ The mobile app and some digital features are considered less advanced than those of top competitors.
- ❌ A few policyholders experienced slow initial service or problems with specific customer service requests.
Contacting Embrace: A Comprehensive Guide
| Embrace Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the Embrace customer portal, by email at [email protected], fax (800-238-1042), or mail (Claims Department, Embrace Pet Insurance, P.O. Box 22188, Beachwood, OH 44122-0188). Upload or mail itemized veterinary invoices and medical records. Follow claim status online. Reimbursement is by direct deposit or check. Average processing time: typically a few business days if all documents are provided. |
| To obtain a certificate of insurance | Contact Embrace by phone at 1-800-511-9172 or by email at [email protected]. You can also use your online account to access certain documents. Provide your policy number and verification details. |
| To contact assistance | For general assistance, call 1-800-511-9172 or email [email protected]. You can also use the customer portal for support and policy management requests. No 24/7 emergency hotline; customer service hours apply. |
| To cancel my policy | Call 1-800-511-9172 or email [email protected]. Provide your policyholder name, policy number, and reason for cancellation. Notice period: immediate effect, but any pending claims should be completed first. Written confirmation may be required for refunds. |
Upload or mail itemized veterinary invoices and medical records.
Follow claim status online.
Reimbursement is by direct deposit or check.
Average processing time: typically a few business days if all documents are provided.
You can also use your online account to access certain documents.
Provide your policy number and verification details.
You can also use the customer portal for support and policy management requests.
No 24/7 emergency hotline; customer service hours apply.
Provide your policyholder name, policy number, and reason for cancellation.
Notice period: immediate effect, but any pending claims should be completed first.
Written confirmation may be required for refunds.
FAQ
Do I have to pay upfront for veterinary fees with Embrace?
Yes, Embrace requires pet owners to pay the veterinary bill out of pocket at the time of service. There is no advance payment or direct third-party payment option, so you are reimbursed after submitting your claim and receiving approval.
How do I cancel my pet insurance policy with Embrace?
To cancel your Embrace policy, contact customer service by phone or email. There is no minimum notice required—cancellation can take effect immediately. Be prepared to provide your policy number and a written request for confirmation. Any unused premium may be refunded according to policy terms if you have not filed a claim for the current period.
What’s covered under an Embrace policy?
Embrace covers veterinary costs related to accidents and illnesses, including hereditary and chronic conditions, cancer treatments, diagnostic tests, surgery, hospitalization, prescription medications, and some dental diseases. Preventive care such as vaccinations, spay/neuter, and wellness exams are not covered unless you purchase a separate Wellness Rewards add-on. Coverage is subject to annual limits, an annual deductible, and a reimbursement rate set in your personalized policy documents.
Are pre-existing conditions covered by Embrace?
No, Embrace does not cover pre-existing conditions—any illnesses, symptoms, or injuries noticed before your policy became active or during waiting periods. However, if your pet had a curable condition that’s been resolved and treatment-free for 12 straight months, claims may be eligible again (except for knee ligaments). You can request a medical history review with Embrace to check what would be excluded.
How do I file a claim and how long does reimbursement take?
Claims can be submitted easily online through your Embrace customer portal, by email, fax, or mail. You’ll need to provide an itemized vet invoice and relevant medical records. Most claims are reviewed and reimbursed within a few business days once Embrace receives all necessary documentation. Payouts can be sent by check or direct deposit to your bank account.
Does Embrace allow me to use any veterinarian?
Yes, you’re free to use any licensed veterinarian, specialist, or emergency clinic in the United States. There are no network restrictions, and the claim process remains the same regardless of the provider you choose. This flexibility makes it easy for you to continue seeing your trusted vet while benefiting from insurance coverage.
Do I have to pay upfront for veterinary fees with Embrace?
Yes, Embrace requires pet owners to pay the veterinary bill out of pocket at the time of service. There is no advance payment or direct third-party payment option, so you are reimbursed after submitting your claim and receiving approval.
How do I cancel my pet insurance policy with Embrace?
To cancel your Embrace policy, contact customer service by phone or email. There is no minimum notice required—cancellation can take effect immediately. Be prepared to provide your policy number and a written request for confirmation. Any unused premium may be refunded according to policy terms if you have not filed a claim for the current period.
What’s covered under an Embrace policy?
Embrace covers veterinary costs related to accidents and illnesses, including hereditary and chronic conditions, cancer treatments, diagnostic tests, surgery, hospitalization, prescription medications, and some dental diseases. Preventive care such as vaccinations, spay/neuter, and wellness exams are not covered unless you purchase a separate Wellness Rewards add-on. Coverage is subject to annual limits, an annual deductible, and a reimbursement rate set in your personalized policy documents.
Are pre-existing conditions covered by Embrace?
No, Embrace does not cover pre-existing conditions—any illnesses, symptoms, or injuries noticed before your policy became active or during waiting periods. However, if your pet had a curable condition that’s been resolved and treatment-free for 12 straight months, claims may be eligible again (except for knee ligaments). You can request a medical history review with Embrace to check what would be excluded.
How do I file a claim and how long does reimbursement take?
Claims can be submitted easily online through your Embrace customer portal, by email, fax, or mail. You’ll need to provide an itemized vet invoice and relevant medical records. Most claims are reviewed and reimbursed within a few business days once Embrace receives all necessary documentation. Payouts can be sent by check or direct deposit to your bank account.
Does Embrace allow me to use any veterinarian?
Yes, you’re free to use any licensed veterinarian, specialist, or emergency clinic in the United States. There are no network restrictions, and the claim process remains the same regardless of the provider you choose. This flexibility makes it easy for you to continue seeing your trusted vet while benefiting from insurance coverage.
