Is Embrace Pet Insurance Worth It? Reviews & Ratings 2025
Our Expert's Opinion on Embrace
Embrace Pet Insurance stands out as a reputable US insurer with distinct, customizable accident & illness plans and a highly flexible approach. Policyholders can choose reimbursement rates from 70% to 90%, and annual coverage limits ranging from $5,000 to unlimited—at competitive premiums. Embrace’s annual deductible (from $100 to $1,000) and the unique Wellness Rewards preventive care budget are clear differentiators, while rates are generally mid-market, offering better value on comprehensive coverage than lower-cost competitors like ASPCA but at a more affordable point than Trupanion. Fast claims turnaround averaging 5 days and a mature digital claims interface enhance its service proposition. Embrace is especially recommended for younger pets, purebreds, and those whose owners want extensive illness coverage, dental illness options, or robust preventive care for budgeting routine costs—yet it remains accessible to older animals (up to 14 at signup). Backed by American Modern Insurance Group (A+ AM Best, ~$1.2B in annual written premiums), Embrace displays strong financial stability. On Trustpilot, Embrace holds a 4.2/5 rating from more than 5,000 reviews, with users highlighting smooth claims processes and reliable customer support, positioning it as a trustworthy choice for long-term pet protection.
- ✅Highly customizable coverage and reimbursement options
- ✅Wellness Rewards budget for preventive care
- ✅Covers exam fees and dental illness
- ✅No lifetime limits; up to unlimited annual maximums
- ✅Covers older pets at enrollment up to age 14
- ✅Quick claim processing: average 5 business days
- ✅Strong financial backing; A+ AM Best rating
- ❌Certain hereditary conditions may have waiting periods
- ❌Wellness Rewards is a reimbursement add-on, not traditional insurance
- ❌Prescription food and behavioral therapies not covered
- ❌No multi-pet discount as standard
- ❌Pre-existing conditions always excluded
- ✅Highly customizable coverage and reimbursement options
- ✅Wellness Rewards budget for preventive care
- ✅Covers exam fees and dental illness
- ✅No lifetime limits; up to unlimited annual maximums
- ✅Covers older pets at enrollment up to age 14
- ✅Quick claim processing: average 5 business days
- ✅Strong financial backing; A+ AM Best rating
Our Expert's Opinion on Embrace
Score- ✅Highly customizable coverage and reimbursement options
- ✅Wellness Rewards budget for preventive care
- ✅Covers exam fees and dental illness
- ✅No lifetime limits; up to unlimited annual maximums
- ✅Covers older pets at enrollment up to age 14
- ✅Quick claim processing: average 5 business days
- ✅Strong financial backing; A+ AM Best rating
- ❌Certain hereditary conditions may have waiting periods
- ❌Wellness Rewards is a reimbursement add-on, not traditional insurance
- ❌Prescription food and behavioral therapies not covered
- ❌No multi-pet discount as standard
- ❌Pre-existing conditions always excluded
- ✅Highly customizable coverage and reimbursement options
- ✅Wellness Rewards budget for preventive care
- ✅Covers exam fees and dental illness
- ✅No lifetime limits; up to unlimited annual maximums
- ✅Covers older pets at enrollment up to age 14
- ✅Quick claim processing: average 5 business days
- ✅Strong financial backing; A+ AM Best rating
- Embrace Guarantees
- Exclusions from Embrace
- Embrace Prices
- Embrace Support
- Customer feedback on Embrace
- How to contact Embrace?
- FAQ
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Embrace Guarantees
Embrace stands out with customizable accident & illness coverage, allowing clients to adjust annual limits ($5,000–$30,000), reimbursement rates (70%–90%), and annual deductibles ($100–$1,000). Preventive care is available as an optional Wellness Rewards plan, covering routine expenses like vaccines, dental cleaning, and flea prevention (set allowance per year). The policy is lifetime-renewable and notably includes exam fees, hereditary conditions, hip dysplasia, alternative therapies, and prescription drugs. However, Embrace excludes pre-existing conditions—including bilateral conditions after the first incident—and does not cover elective procedures, breeding, or cosmetic treatments. Missing points include no routine dental care (outside the optional reimbursement), and there’s no coverage for liability or lost pets.
| Guarantee Name | Embrace Accident & Illness Coverage (Customizable) |
|---|---|
| Formula Positioning | Customizable, comprehensive protection for dogs and cats |
| Type of coverage | Accident & illness; wellness/prevention as optional add-on |
| Animals covered | Dogs and cats |
| Reimbursement rate (%) | 70%, 80%, or 90%, chosen at enrollment |
| Annual veterinary reimbursement cap | $5,000, $8,000, $10,000, $15,000, or $30,000, per choice |
| Deductible (annual/by claim) | Annual, $100–$1,000, selected by customer |
| Min & max enrollment age (cats) | 6 weeks minimum; 14 years maximum for illness (no limit for accident-only) |
| Min & max enrollment age (dogs) | 6 weeks minimum; 14 years maximum for illness (no limit for accident-only) |
| Health questionnaire required? | Yes, health records and exam within 12 months |
| Waiting period—illness | 14 days from start date |
| Waiting period—accident | 2 days from start date |
| Lifetime coverage guaranteed after enrollment? | Yes, as long as premiums are paid |
| Vet consultations (routine, ER, specialist) | Covered if related to accident/illness |
| Medications | Prescription drugs covered |
| Hospitalization | Covered |
| Ambulance fees | Covered if medically necessary |
| Surgery & anesthesia | Covered |
| CT scan, MRI, ultrasound | Covered |
| Laboratory tests | Covered |
| Radiation therapy | Covered |
| Dentistry | Non-routine, illness/injury only; no routine cleaning |
| Dental scaling (routine) | Not covered unless via Wellness Rewards add-on |
| Wellness/prevention package | Optional add-on, up to $250, $450, or $650 per year, for vaccines, flea, wellness exam, dental cleaning, microchipping, spay/neuter |
| Alternative medicine (acupuncture, chiro, etc.) | Covered if prescribed and as part of medical condition |
| Therapeutic food | Not covered |
| Countries covered / travel | Covered worldwide for up to 6 months |
| Death / cremation | Cremation and burial not covered |
| Euthanasia | Covered if medically necessary |
| Theft or loss, search costs | Not covered |
| Boarding/kennel costs | Not covered |
Good to know
Wellness Rewards reimbursements are not subject to deductible or co-pay, but spending is capped by selected plan. Bilateral conditions (e.g., cruciate ligament issues) excluded after first incident for either limb. Policyholders must submit full vet medical records, and pets need a recent exam (within 12 months) for coverage to be valid. No breed or gender exclusions. Premiums may increase based on pet age, veterinary inflation, and geography.
Exclusions from Embrace
The Embrace policy, like many competitors, excludes pre-existing conditions and preventive treatments; however, it stands out by defining curable and incurable pre-existing conditions differently, only permanently excluding the latter. Orthopedic conditions in dogs are subject to a 6-month waiting period unless a veterinary exam shows no related issues, a stricter approach than some rivals. Routine dental cleaning and coverage for breeding, whelping, or conditions related to pregnancy are not covered, as is the case for intentional injury or neglect. Coverage outside the United States, Canada, or U.S. territories is also excluded, which is significant for frequent travelers. Claims for experimental treatments, cosmetic procedures, and cases where policy conditions (such as required veterinary exams) aren’t met remain outside the scope of coverage.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing incurable conditions - Some pre-existing curable conditions within waiting periods - Orthopedic issues within 6 months unless cleared - Routine dental cleaning - Claims arising from intentional injuries or neglect - Experimental and investigational treatments - Cosmetic procedures |
| Geographic Exclusions | - Medical expenses incurred outside the United States, Canada, or U.S. territories |
| Breeding-Related Exclusions | - Costs related to breeding, pregnancy, whelping, or nursing |
| Compliance & Administrative Exclusions | - Claims where required annual veterinary exams were not conducted - Situations where policy conditions (e.g., waiting periods) are unmet |
- Some pre-existing curable conditions within waiting periods
- Orthopedic issues within 6 months unless cleared
- Routine dental cleaning
- Claims arising from intentional injuries or neglect
- Experimental and investigational treatments
- Cosmetic procedures
- Situations where policy conditions (e.g., waiting periods) are unmet
Embrace Prices
Overall, Embrace displays a mid-range to slightly premium price positioning in the pet insurance market, largely due to its comprehensive coverage options including high annual reimbursement limits, customizable low deductibles, and broad care inclusions such as alternative therapies and exam fees.
Its digital-first model allows for streamlined processes and reduced administrative costs, but these savings are partially offset by the richness of the guarantees offered.
Compared to traditional insurers, Embrace tends to offer more flexibility and fewer exclusions, but this results in monthly premiums above the lowest-cost players who provide more basic, restrictive plans.
Thus, Embrace offers a robust yet accessible solution: it is not the most economical, but it differentiates itself by a strong price-to-coverage ratio in the upper-middle segment for pet owners who seek reliable reimbursement and digital convenience.
It primarily appeals to clients looking for substantial guarantees without opting for ultra-premium or very basic coverage.
Compare to find the lowest price while maximizing your pet’s coverage—review several quotes before making your choice.
| Accident Only | Accident & Illness (Basic) | Accident & Illness (Comprehensive) | |
|---|---|---|---|
| Young cat (2-4y) | $13/mo | $29/mo | $39/mo |
| Senior cat (7-8y) | $22/mo | $42/mo | $54/mo |
| Small breed dog | $18/mo | $35/mo | $47/mo |
| Small breed dog (2-4y) | $15/mo | $31/mo | $41/mo |
| Large breed dog (2-4y) | $21/mo | $44/mo | $59/mo |
| Senior dog (7-8y) | $36/mo | $65/mo | $82/mo |
Embrace promo codes
| Embrace Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% off your quote |
Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance.
How much will I be reimbursed with Embrace?
| Type of Care | Average Price (USD) | Embrace Complete Plan (Up to 90% Reimbursement, Annual Limit: $30,000) |
|---|---|---|
| Spay/Neuter | $300 | Reimbursed $270 Out-of-pocket: $30 (excluding deductible) |
| Annual Vaccinations | $100 | Reimbursed $90 Out-of-pocket: $10 (excluding deductible) |
| Emergency Surgery | $2,000 | Reimbursed $1,800 Out-of-pocket: $200 (excluding deductible) |
| Broken Bone Treatment | $1,500 | Reimbursed $1,350 Out-of-pocket: $150 (excluding deductible) |
| Chronic Illness (per visit) | $250 | Reimbursed $225 Out-of-pocket: $25 (excluding deductible) |
Out-of-pocket: $30 (excluding deductible)
Out-of-pocket: $10 (excluding deductible)
Out-of-pocket: $200 (excluding deductible)
Out-of-pocket: $150 (excluding deductible)
Out-of-pocket: $25 (excluding deductible)
Embrace Support
Embrace offers a 24/7 vet helpline that provides immediate advice from licensed veterinarians by phone, a valuable feature for fast guidance in urgent situations.
The company does not advance funds directly to veterinarians, meaning pet owners must pay upfront before being reimbursed, which can be restrictive for some clients.
A modern mobile app allows policy management and claim submission, but user ratings remain average on both iOS and Android, without distinguished ergonomics.
Embrace does not operate a specific network of partnered clinics or provide international assistance except for limited travel coverage within the US, Canada, and Puerto Rico.
Installment payment is available for premiums with monthly billing, but no further payment facilities are offered.
| Assistance Embrace | Available? | Details |
|---|---|---|
| Advance of funds | ❌ | No advance funds service. Policyholders pay the clinic directly and then submit the invoice for reimbursement. |
| Payment facilities | ✅ | Monthly payment is possible for premiums. No additional installment facilities (e.g., 3 installments without fees). |
| Mobile app | ✅ | Available on iOS and Android. Average rating (around 3.5/5). Policy management, claim submission, reimbursement tracking. |
| Digital claims processing | ✅ | Digital claim submission via the app or online client space. |
| Veterinary emergency | ✅ | 24/7 free veterinary hotline, with phone advice provided by licensed veterinarians. No video teleconsultation service or direct management of physical emergencies. |
| Clinic and vet network | ❌ | No partnered network; policyholders are free to choose their veterinarian. |
| Overseas coverage | ❌ | Coverage only available in the United States, Canada, and Puerto Rico during temporary travel. Not valid for expatriation. |
Customer feedback on Embrace
| Review Platform | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.1/5 (more than 4,100 reviews) |
| Consumer Affairs | 4.2/5 (over 900 reviews) |
| Google Reviews | 4.0/5 (about 200 reviews) |
We have analyzed the reviews from the platforms cited above. On the positive side, policyholders who have taken out Embrace pet insurance frequently mention:
- A responsive and knowledgeable customer service: clients value clear communication, friendly interactions, and professional handling of their inquiries.
- Quick and straightforward reimbursement process: many users note the efficiency of claim handling and the ease of submitting documentation online.
- Transparent and comprehensive coverage: customers appreciate clear policy terms, the wide range of covered illnesses and accidents, and detailed explanations at sign-up.
- Flexibility in coverage options: the ability to customize reimbursement percentages, deductibles, and annual limits is commonly praised.
- Inclusion of wellness and preventive care add-ons: clients are pleased with the option to include routine care and preventive treatment in their coverage.
On the negative side:
- The reimbursement process can be slow in complex cases or during high-volume periods, leading to frustration for some clients.
- Deductibles and out-of-pocket expenses are sometimes viewed as unexpectedly high, especially for chronic conditions or as pets age.
- Premium increases are a major concern, with numerous customers reporting significant rises year over year, particularly as their pets get older.
- Coverage exclusions and pre-existing condition clauses can be stricter than expected, resulting in some surprise denials of claims.
- Communication gaps in some instances: a few clients mention confusion over policy details, lack of proactive updates, or difficulty resolving complex claim issues.
How to contact Embrace?
| Service client Embrace | Détails |
|---|---|
| To obtain a quote or subscribe online | You can use the HelloSafe top pet insurance comparison tool, choose the formula that suits you, and click to get a quote. Alternatively, visit the official Embrace Pet Insurance website: https://www.embracepetinsurance.com/ |
| For claims and reimbursements | Submit your claim online via the Embrace member portal or mobile app. Attach the completed claim form, invoice from your vet, and any relevant medical records. Claims can also be emailed to [email protected] Typical reimbursement time: 5-15 business days after claim approval. Reimbursements are made by direct deposit or check. For assistance: Call 1-800-511-9172 |
| To obtain a certificate of insurance | Download directly from the Embrace member portal. Or request by emailing [email protected] Or call customer service at 1-800-511-9172 |
| For assistance | Call Embrace Customer Care at 1-800-511-9172 Available Mon-Fri 9am-8pm, Sat 10am-2pm ET. Or contact via email: [email protected] |
| To cancel my policy | Send a written cancellation request to [email protected] or by mail: Embrace Pet Insurance, P.O. Box 22188, Beachwood, OH 44122-0188, USA. Include your policy number, full name, and reason for cancellation. Attach any required ID or documents if requested. Minimum 30 days’ notice recommended. You will receive written confirmation of cancellation by email or mail. For questions, call 1-800-511-9172 |
Alternatively, visit the official Embrace Pet Insurance website: https://www.embracepetinsurance.com/
Attach the completed claim form, invoice from your vet, and any relevant medical records.
Claims can also be emailed to [email protected]
Typical reimbursement time: 5-15 business days after claim approval.
Reimbursements are made by direct deposit or check.
For assistance: Call 1-800-511-9172
Or request by emailing [email protected]
Or call customer service at 1-800-511-9172
Available Mon-Fri 9am-8pm, Sat 10am-2pm ET.
Or contact via email: [email protected]
Include your policy number, full name, and reason for cancellation.
Attach any required ID or documents if requested.
Minimum 30 days’ notice recommended.
You will receive written confirmation of cancellation by email or mail.
For questions, call 1-800-511-9172
FAQ
Do I have to pay upfront for veterinary expenses with Embrace?
Embrace does not currently offer a direct payment or third-party payment system like Payvet. You must pay your vet bill upfront at the time of service, then submit your claim to Embrace for reimbursement according to your policy coverage and deductible.
How do I cancel my pet insurance policy with Embrace?
To cancel your Embrace pet insurance policy, you can call their customer care or send a written request via email or mail. There is no specific notice period, but it is best to cancel before your next billing cycle. Include your policy number and, if requested, a signed cancellation letter.
What does Embrace pet insurance cover?
Embrace offers coverage for accidents, illnesses, and certain hereditary conditions. Optional wellness plans for routine care are also available. Coverage details depend on your chosen plan, so it's important to review policy documents carefully to understand exclusions and reimbursement limits.
Are pre-existing conditions covered by Embrace?
No, Embrace does not cover medical conditions that showed signs or symptoms before the start of your policy or during the waiting period. However, some curable pre-existing conditions may be covered in the future if your pet goes symptom-free for a specified period according to policy terms.
How does the deductible work with Embrace?
Embrace uses an annual deductible, meaning you pay out-of-pocket costs for covered care until your deductible is met for the policy year. After your deductible is satisfied, Embrace reimburses eligible expenses up to your chosen coverage limit and reimbursement percentage for the remainder of the year.
Do I have to pay upfront for veterinary expenses with Embrace?
Embrace does not currently offer a direct payment or third-party payment system like Payvet. You must pay your vet bill upfront at the time of service, then submit your claim to Embrace for reimbursement according to your policy coverage and deductible.
How do I cancel my pet insurance policy with Embrace?
To cancel your Embrace pet insurance policy, you can call their customer care or send a written request via email or mail. There is no specific notice period, but it is best to cancel before your next billing cycle. Include your policy number and, if requested, a signed cancellation letter.
What does Embrace pet insurance cover?
Embrace offers coverage for accidents, illnesses, and certain hereditary conditions. Optional wellness plans for routine care are also available. Coverage details depend on your chosen plan, so it's important to review policy documents carefully to understand exclusions and reimbursement limits.
Are pre-existing conditions covered by Embrace?
No, Embrace does not cover medical conditions that showed signs or symptoms before the start of your policy or during the waiting period. However, some curable pre-existing conditions may be covered in the future if your pet goes symptom-free for a specified period according to policy terms.
How does the deductible work with Embrace?
Embrace uses an annual deductible, meaning you pay out-of-pocket costs for covered care until your deductible is met for the policy year. After your deductible is satisfied, Embrace reimburses eligible expenses up to your chosen coverage limit and reimbursement percentage for the remainder of the year.
