Embrace Pet Insurance: One of the Best?

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Bloodhound dog running in grassWhen it comes to choosing insurance for your pet there are a number of companies and policy types to consider. Embrace Pet Insurance is just one of the available insurance companies for pet owners to choose from. Find out if Embrace can protect your pet and your wallet.

Visit Embrace’s Website

Article Overview

Key Features

  • Underwriter: American Modern Insurance Group
  • Exam period: your pet must have been examined by a vet in the last 12 months prior to the policy start date or within 14 days after the start date.
  • Medical History Review: Embrace offers a Medical History Review during enrollment. This is basically a full insurance assessment of health history so you can feel confident in your pet’s coverage, limiting coverage uncertainty.
  • Pre-existing conditions defined by Embrace:
    • a. Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
    • b. an Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
    • Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing
  • Bilateral condition: If your pet has been diagnosed, prior to being insured, with a bilateral condition (i.e. ACL tear) on one side of the body, they a higher risk of the same condition on the other side of the body and future occurrences of the same condition will not be covered
  • Reimbursement: Claim repayment for wellness claims usually take 5 business days and for illness and accident claims it takes 10 to 15 business days after all the proper documentation is received. Embrace also follows a “deductible then copay” reimbursement model (vs most other companies that use “copay then deductible”) which could put more money back in your pocket.
  • Prescription drug coverage for take-home medications available with any policy (in some states this is an optional add-on)
  • Fax, email, upload to MyEmbrace or mail in your claim forms and get paid via check or direct deposit
  • 30-day free look period (similar to a money back guarantee)
  • Embrace is also resold via their partners: Allstate, American Family, Geico, and USAA

Embrace Review

Embrace Review
Policy Coverage 4.3
Customer Service & Reputation 4.0
Timeliness of Claim Payment 4.5
Price of Policy 3.8


  • No per incident limits on their claims as they use an annual deductible method of accounting
  • No lifetime limit
  • Offers optional Wellness Rewards
  • Embrace is affordable on a monthly cost basis with an accident-only policy premium starting around $20 a month for a 10-year-old Labrador Retriever
  • 5% discount for payments made directly from bank account
  • BBB rating is A+
  • Claims are paid between 5-15 days
  • 10% Mulit-pet Discount


  • $1.00 monthly transaction fees
  • Requires a 2 day waiting period for accidents (14 days in some states), 14 day waiting period for illness coverage and a 6 month waiting period for orthopedic conditions, but can be reduced to 14 days through their Orthopedic Exam and Waiver Process
  • Only covers pets age 14 and younger for accident and illness (accident only may be available for ages 15+)
  • If one leg has a CCL (ACL) injury prior to enrollment the other leg will not be covered even if there are no prior issues. It is considered a pre-existing condition.
  • Limited hours for live chat & phone
  • No unlimited claims options

What Is Covered By Embrace?

Below are items covered and not covered by Embrace as of May 2018.

Covered by EmbraceNot Covered by Embrace
Breed-specific and genetic conditionsRoutine vet care
Congenital conditionsPre-existing conditions
Chronic conditionsBreeding, whelping and pregnancy
CancerInjury caused deliberately by you or any other person residing in your home
Exam feesInjury or illness resulting from fighting, racing, cruelty or neglect
Alternative therapies and rehabilitationCosmetic procedures such as tail docking, ear cropping or dew claw removal unless medically necessary
Behavioral therapyDNA testing or cloning
ER and specialist careStem cell therapy not deemed medically necessary
Diagnostic testingAvian flu or nuclear war
Hospitalization and surgery
Prosthetic limbs and devices including mobility aids
Dental illness up to $1,000/year
Prescription drugs

Coupon Code

Embrace offers a few different discount options. Spayed or neutered pets get a 5% discount. if you have multiple pets, each one gets 5% off. You can also pay annually and get 5% off. Click here to access any of these discounts.

Embrace Pet Insurance Pricing Quotes

Embrace offers the following options for your pet insurance plan.

  • Annual maximum: $5,000, $8,000, $10,000, $15,000 or $30,000
  • Annual deductible: $200, $300, $500, $750 or $1,000
  • Reimbursement: 70%, 80% or 90%

Embrace Wellness Plans & Pricing

Embrace also offers an optional Wellness Rewards program for an additional fee. Embrace will reimburse 100% of your pet’s routine care costs up to the selected amount of coverage you choose. You can select $250, $450 or $650 for this program. This money can be used towards the following:

  • Spay/neuter surgery
  • Flea, tick, and heartworm preventative
  • Vaccinations and titers
  • Wellness exams
  • Routine blood and fecal parasite exams
  • Microchip implant and registration
  • Prescription diet food
  • Teeth cleaning
  • Dental x-rays, crowns and fillings
  • Nutritional supplements
  • Medicated shampoos
  • Behavioral training

Quotes below are from May 2018 and do not include Wellness Rewards.

BreedLabrador RetrieverGolden RetrieverGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age28464 months7 months2
LocationIowa (zip code 50125)Illinois (zip code 60631)California (zip code 92027)New York (zip code 10012)New York (zip code 10012)Iowa (zip code 50125)Ohio (zip code 44108)
Price Per Month$33.80$40.96$50.20$61.83$58.34$13.68$25.20
Reimbursement Level80%70%80%90%90%70%80%
Annual Deductible$200$500$500$200$200$1,000$200
Annual Maximum$10,000$5,000$8,000$5,000$5,000$30,000$10,000

Hip Dysplasia Coverage

A bilateral hip replacement for your dog could cost $7,000 to $12,000 for surgery alone. For other types of surgeries, $1,500 to $3,000 per hip is the average. Asides from surgery, your dog will need pain medication for life and possibly supplements, which can add up in cost.

Fortunately, if your dog develops hip dysplasia while protected under an Embrace plan it will be covered as long as the 6-month waiting period is over.

Waiting Periods

If you’re unfamiliar with cruciate ligament tears and what they can entail, watch Heidi’s story below.

Embrace Pet Insurance Reviews

Read about how Embrace has treated these real life customers. We’ve got the good and the bad to share with you.

Positive Reviews

I hate to read other people’s poor experiences with Embrace. My Labrador has been “Embraced” for her whole life–7 years now–with both the wellness policy and the accident/illness policy. EVERY SINGLE YEAR, the insurance pays for itself. Most recently, my dog suffered from pancreatitis with causes unknown. We’ve racked up over $4,000 in medical bills since this time, and Embrace has covered all of it. They decide claims quickly and auto-deposit into your checking account. I’ll continue on with Embrace! – Ashton P., Yelp 4/15/2018

I am obsessed with this company! We have three dogs insured with Embrace, ranging between 4 years old and under a year. They are so great to work with. The Embracers in the customer service call center are so friendly and prepared with knowledge and willingness to help solve your issues. We just had a hiccup regarding a claim for our oldest dog, Jerry Lee and I called their customer service line. Embracer Courtney answered and she quickly pulled up the claim in question, did a little investigating and figured out what went wrong in processing. She took ownership of the issue and assured me that she would personally see to the resolution of my problem. It’s so comforting to know that when my pups have health problems – or even just need vaccinations or grooming – I can rely on the people at Embrace to make sure we’re always able to give them the best care we can find. Thank you, Embracers! – Kirsten R., Facebook 4/23/2018

Negative Reviews

Two words:  Claim Denied. Embrace Pet Insurance I don’t think ever covered my dog and she was insured since she was a puppy and has no health issues.  Guess what, they will find health issues.  They fill find ways not to cover you.  What I got was a head ache.  My dog has a bug, I brought her to the vet.  This adjuster, Christine W., came up with most insane and obscure reasons why my dog was not covered.  Pleasant as could be, she would protect her company from payouts like an Olympic champion!  Mine was only $300!  Honestly, at one point they told me my puppy had a degenerative back disease because they did not process the orthopedic report.  When that was cleared up she came up with a laundry list a mile long of illness my dogs must have that they can not cover!  This is when I cancelled the policy.  ENJOY YOUR TIME WITH YOUR DOG, it’s PRECIOUS.  Save you money, put it in a Health Savings Account for your beloved BEST FRIEND!  Don’t give your money to this scam.  Guess what, my dog is bred for health!  She and all her relatives are very very healthy!  What they say couldn’t be further from the truth.  The people who respond to to these Yelp reviews are just trying to do damage control for those who haven’t yet had the rude awakening that you are being taken for a ride.  Shame on them for marketing themselves as animal lover.  It takes a real heartless person to do what these claims adjustors do. – Luna M., Yelp 2/12/2018

Embrace’s 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed – up. I didn’t get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that ‘We need the complete Medical History’. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn’t know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that ‘we don’t want to bother you the client’ to get the missing information so they can continue to fraudulently bill you. When I called to inquire about the long-delayed medical history review, they still couldn’t answer my questions. Then they hung up on me and canceled my policy even though I was still waiting for answers. STAY AWAY FROM THIS COMPANY! They are very difficult to work with and will list everything possible as a preexisting condition to avoid paying claims. – Jaclyn S., BBB 11/29/2017

Not Sold On Embrace?

Doing your research before buying a pet insurance plan is not only smart but it demonstrates your love and responsibility as a pet parent. We invite you to read through our best pet insurance article so you feel 100% positive about making the best decision for your furry friend.

What questions do you have about pet insurance before you buy?

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

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Horrible….they look for reasons not to pay claims. Don’t waste your time or money on Embrace. My dog has anxiety and is scared to go to the vet…..because of that Embrace feels like she is an aggressive dog and will not cover her. The vet even wrote a letter to Embrace explaining this, It is no different than a person having anxiety about going to the doctor or dentist. Does that make them an aggressive person? What a scam to get your money!
Nicole Ward
Buyer beware. I was skeptical buying pet insurance but was encouraged to do so by our vet’s office staff. Our labrador retriever had pancreatitis previously so of course I knew that would be an “underlying condition’ that would not be covered which is fair. However, she recently got diarrhea, had to be hospitalized, tests came back negative for pancreatitis so not the same underlying condition and now they’ve completely denied the $1,450 claim. Even our vet was shocked. I’m cancelling.
Jaclyn Scarborough
Embrace’s 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed – up. I didn’t get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that ‘We need the complete Medical History’. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn’t know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that ‘we don’t want to bother you the client’ to get the missing information so they can continue to fraudulently bill you.

When I called to inquire about the long-delayed medical history review, they still couldn’t answer my questions. Then they hung up on me and canceled my policy even though I was still waiting for answers.

STAY AWAY FROM THIS COMPANY! They are very difficult to work with and will list everything possible as a preexisting condition to avoid paying claims.

Not very happy with them. First claim submitted 8-31-17 for trip to regular Vet (8-26-17) then for the ER 2 days later for same issue. Did receive a confirmation that claim was received. Submitted second claim, continuation of original, 9-6-17. Never received a conformation so I called them. They said they hadn’t received it. Sent it again. Said now they need her medical history, Vets office faxed it to them 9-6-17. Had 2 more claims regarding same issue, submitted 9-11-17 and 9-14-17. Checked on line as to where claim was and it said “pending medical history”. Called again. This time I was told yes they had received medical history from both the regular Vet and the ER Vets but still hadn’t “processed” it. Really?? They have had it almost 3 weeks? Add to that another 10-15 business days to send any payment. I had PetPlan for years and ALWAYS received my reimbursement with 10 days without all this BS. Unfortunately they changed underwriters and the premiums went sky high. Seems as thought they are going to try to get out of paying this even though dog has never had an issue with her back. Not sure how injury happened but was definitely not pre-existing. In the interim I am racking up interest fees on the $4,000.00 or thereabouts that was charged to my credit card. Will be looking for another company to insure other dog after they decide what if anything they are going to pay.
L Adams
I chose Nationwide (used to be Veterinary Pet Insurance) over Embrace. Embrace requires that claim forms be filled out by the vet’s office; Nationwide does not. Also, when I would try to call the Embrace customer service phone number, would often get a greeting that indicated wait times were 15 minutes. I also did not like the number of forms required (including a full orthopedic exam) for my dog to be covered, and the exclusions for pre-existing conditions were discouraging. I had Nationwide/VPI for my first dog, and when she died, the folks at Nationwide handled her final vet expenses kindly and promptly. When I got a new puppy, I thought about going with Embrace, but Nationwide was a much better option to me. I will stay with them.
C. Martinez
I was happy until I relocated because of a new job and they raised my monthly rate from $15 to $25 based on my new area’s average vet cost. Not gonna lie, it left a sour taste in my mouth and I’m not happy.
This company does not cover anything for dogs who have “pre-existing conditions”. It is a travesty that dogs that are older can’t get the care that they need, but I guess that is how people insurance for people works too. It’s all a scam and they are all in it for money. I’m sure other companies are like this too and it’s ridiculous. This is the time that dogs need it the most when they are older and claim after claim is being denied for our poor Boston terrier. This is literally draining our bank account. We are probably better off without any insurance at all.
Kimberly Alt
Have you looked into changing pet insurance providers? Unfortunately, I’m not aware of a company that covers pre-existing conditions but there may be a less expensive alternative. You can read about the top three companies we’ve ranked here: https://www.caninejournal.com/pet-insurance-comparison/.
I had insurance for my last Pug and they were wonderful. I waited 4 hours too soon and healthy paws turned me down! I wasn’t going to let my dog suffer another hour thinking they’d overlook 4 hours but I was wrong and paid the full $400.00!
Loren Goldstein
Total scam. They ask for medical records when policy starts to review for pre existing conditions. Then when you submit a claim they look at the records. Not before as implied or what makes sense. Then when a procedure is done they scour the records for existing issues. Seems backward. Now they say that skip lumps on my dog which were removed while already under anesthesia for dental cleaning are not covered because of a prior note about a skin tag. A skin tag is a small piece of extra skin that need mot require removal. These were lumps which required surgical removal and deep sectioning to remove completely and sutures. This medical condition is being refused entirely because of a notrle about a similar but medically different condition that does require removal. At Embraces suggestion I had the Vet write a new letter to explain and yet Embrace still claims it is excluded. Cancelled policy, got premium back and now I will complain to Attorney General, Insurance commissioner and BBB. Total scam.
Jaclyn Scarborough
Same thing happened to me! I will also be contacting many governing bodies to report my experience.
Embrace Sucks
I wish I could leave zero star. Purchasing Embrace is worst decision I have ever made. They will try whatever they can to decline the claim and label it as a pre-existing condition.

Then it comes to the appealing process. Firstly, they told me that their consultant vet (who has never seen my pet nor could they provide proof that their consultant vet reviewed every single world of the medial history) believes it is a pre-existing condition because of test A, however test A could be impacted by other things therefore a conclusion cannot be made if test B proves that test A is caused by something else. Once my vet and I proved that guess what, they told me that they still cannot cover the claim because there is another pre-existing condition which again was just a wrong interpretation of test results happened years ago. It almost let me feel that when they cannot give you a reasonable explanation for the wrongdoing at the first place they try to find all these details happened in the past to justify their decision even though they are unrelated. They do that because they want to delay the process and hope people will just forget it.

When being asked what I need to do to overturn the case they said: We will send a questionnaire to your vet to fill out. No response two weeks after my vet sent the questionnaire back to them and I had to call them everyday for the answers, once you are on their “blacklist” they will not return your phone calls or sometimes emails. Some days later they emailed me saying the information provided by the vet was not enough but no explanation whatsoever. I asked my vet to send me what they filled out and it turned out their questions were very vague, they either do not know what are the right questions to ask or they try to avoid to ask the right question because that’s not what they want to see.

It has been four months since the day I started to fight with Embrace and it turned out to be a very stressful experience and it makes me almost want to give up (yes, that’s what they want to see, you giving up). It was not until recently when I told them I am going to initiate legal action that they started to cooperate and told me and my vet what EXACTLY we need to do and provide instead of filling out stupid questionnaires designed to be useless. This could have been done four months ago. I will let everyone know what the final outcome is. I am really thankful that my vets are being so supportive and bearing all the stupid questions from Embrace.

I am not discouraging people to get pet insurance because they could be a good thing, I want people to be aware of the unlawful practices in this industry, please please do not give up when they reject your claims because of what they called the pre-existing condition, work with your
vet and being proactive on the appeals. We need to fight so that they will stop bullying the pet parents.

I also encourage people who have the same experience to write a review here so that more and more people know what Embrace really is.

I think the majority of pet insurance is buckling down. There really isn’t any sympathy out there
James R Clark
I have had Embrace for two dogs for about a year and I am extremely satisfied with their service, coverage, timeliness, honesty, website and reimbursements. I don’t think there’s a better option out there!!!
I’ve been a customer of their’s for 2 years now and have never made a claim. Now, they are raising my rate by 18%. This is completely unacceptable. I won’t be renewing my policy with them.

I'm trying to decide if I should get pet insurance but I find their websites confusing, unclear about requirements needed to be met or what exactly is covered as in: how the deductible is calculated, what type of caps there are on yearly costs and other important info. It would be nice if these things were included here. I also don't get the point of buying a wellness plan that costs $180 and has a $200 allowance.


I think this is borderline revolutionary thinking and I sincerely hope that in the near future we as human beings begin to be offered the same kind of options. It may be unlikely, but you never know. The first thing I noticed in this review was that Embrace was open and honest. When is the last time you heard of an insurance company (any insurance company) being open and honest? There are so many companies that are looking to take advantage of people and it's such a relief to know that there are companies out there that actually care about patients. Not only that, but this is a company that actually cares about their customers being happy and trusting. Finally, a company that understands that customer loyalty is something they must work for.



We have entered our second year with Embrace and still find them extremely easy to work with.  Implementing the account was explained well and process was easy.  I ask a lot of questions and all were answered satisfactorily.  The second year renewal was painless. The coverage is great and premiums fair.  I've compared many pet insurance companies and based on some of the coverage out there, Embrace seemed to always come out on top.  

My Lukkie has AIHA and considered a pre-existing condition.   Embrace was the only one to insure him.  It is nice to know that if he– God forbid– should have an accident such as break a leg, I know it will be covered.  I have not had to experience any accidents or illnesses yet, but the Wellness program is superb.  Routine claims are acknowledged within a day; approvals average within days and claims are refunded within four days to a week.  That is service!  

I have two shelties covered and I am a happy camper and more importantly I have peace of mind.   A dog's life span is not as long as ours, so I make sure I have the best for them to ensure they live a long and happy life. Having a good vet and good insurance brings everything together nicely.  My only regret is not having pet insurance sooner!


They offer a military discount but won't pay on services provided overseas unless it's for a deployment.  Sorry folks but we don't get to take our pets on deployment, only when we are stationed overseas, so that's moronic.  When we live overseas, our pets need coverage too.


Insurance is something that many pet owners don't consider because they immediately think it's out of their budget. This couldn't be any further from the truth. There are a number of companies out there that provide excellent services for less than $50 per month. You can usually find a basic plan for less than $20 a month. As a pet owner, if you can't afford this price, chances are you could never afford a large medical expense for your pet. In other words, you need to question whether or not you should own a pet.

I was impressed by Embrace for several reasons. First of all, the fact that it covers breed specific conditions is excellent. I also love the fact that the company cares about its customers. Many insurance companies only care about their bottom dollar. It's nice to see that not all companies are the same.

While I don't currently own a dog, I will definitely consider this company once I bring another fur baby into my home. I feel that pet insurance isn't a bonus, it's a necessity for raising a healthy pet. Those that can't afford pet insurance should at least start a savings account for their pet to cover any big expenses that come along.

Katherine Silcox
I’ve had embrace since 2014. My first dog died before age 2. Now have embrace for 2 dogs So far so good. Am happy with the coverage. Wish wellness could be cheaper for more coverage but hey glad we have coverage. We used all our wellness for one visit for insurance purposes It included fora meds and shots so pretty good.

I think Embrace and other pet insurance companies are going to change the way pets are cared for in this country. For one, any pet insurance company should be inspired by the way Embrace seems to have learned and grown from its early beginnings into a cherished and respected company. They have an openness and honesty policy, which if you have ever dealt with an insurance company on any level you will appreciate thoroughly. They focus on you and your pet and are willing to discuss covering something with you and work with you while your pet is sick or injured. The customer service is prompt and friendly. These are the kinds of services that people should get used to when they buy an insurance plan! Environmental awareness is an additional perk to this, too. What got me most though, that I did not know about previously, was the aspects of the Customer Bill of Rights, which sent me over the edge on how far above the fold this insurance company is. Use the best veterinary care possible? Explanation of coverage? Quick response times even? This is so far above and beyond my wildest expectations. Forget just my dog– sign me up too!


When people own dogs, it's like there's an unspoken bond.  We understand how sweet and loving these creatures are.  Their unconditional love makes our hearts to become warm.  I think it is so funny that pet insurance really hasn't been around for more than a few years.  I honestly don't think it's been around for even 10 years, but I could be wrong.  I don't remember hearing anything about it before 2 or 3 years ago.  In any event, it is much newer than human insurance, and it's funny, human insurance companies claim to offer this type of service, and I haven't found one yet that does.  But one of the very first pet insurance companies to even hit the market, builds their company on openness and honesty?  This is a true showing of how wonderful our pets are and I think they really deserve coverage like this.  I wish that us humans could have insurance like this.  I feel so confused with insurance sometimes that I feel like I'm dealing with an auto mechanic.  It took me years to understand completely what was going on with deductibles etc.  All I understood was co-pays.

a clever canine

I am having trouble understanding the excellent reviews on this page for Embrace. Since signing up for this insurance they have put massive monetary burdens on me. First, they insist nothing orthopedic will be covered for 6 months unless I get a new Vet checkup–Included are bone cancer and breaks?? How the heck can a Vet tell you if your dog is gonna break a bone within 6 months? Wouldn't that be an accident rather than a pre-existing condition? Now I have received a request for TOTAL health history from all her Vet visits since she was born 5 years and 3 different Vets ago.. They say: We know this could be an onerous request..Onerous? Pretty near impossible!

Seems to me that they are concentrating on 'not having to pay a claim' as they can go back 5 years and say, "Oh your dog was treated for an ear infection before, sorry, we won't pay that." I see now why the premiums are so low. I am cancelling this policy as I see only frustration and grief in the future when and if I file a claim for accident or illness. They make it sound like a pie in the sky deal and now I'm pretty sure that's exactly what it is.

Sara from Embrace

I'm so sorry to hear you're disappointed with your Embrace coverage. I hope I can clarify a few things for you! Embrace's orthopedic waiting period is to avoid fraud – those people that might allow their pet to limp through a 14 day accident/illness waiting period to get coverage for something that was pre-existing to the policy.  However, we have our orthopedic waiver that allows you to waive that waiting period down to the 14 days with a simple exam by a vet.  It doesn't have to be a full vet checkup just a physical exam checking the knees, hips, and feet to see if he has any orthopedic issues.  If you have our Wellness Rewards that exam would even be reimbursed!

I'm surprised to hear that you were asked for your pet's full medical history. That is not our policy – we general request only 12 months.  I'd have to take a look at your account to give you a definitive answer on this but it may be a mistake or a miscommunication. If you'd like, I'd be happy to look things over and explain why/if we need that full history.  Please don't hesitate to email me at smr@embracepetinsurance.com.

Again, I'm so sorry your frustrated with your coverage and hope you'll consider sticking with us.


Sara Radak
Community Engagement Coordinator
Embrace Pet Insurance

Treva Whichard
This is what is happening with my claim (my first and only claim since signing on with Embrace in 2015). Going back into my dog’s medical history after I filed a claim for treatment that was the result of another dog attacking my dog. I called today about my claim (EC0039-8142, filed Sept 12, 2016 for a dog attack on Sept 8 and visit to vet). Embrace is looking at what they call an “emergency surgery” with Tufts Vet clinic in Massachusetts on Feb 2015! That was for my rescue dog’s 3rd and final oral surgery (not an emergency!) after I adopted her on Dec 18, 2014. Last Hope K-9 Rescue paid Tufts for that surgery that has absolutely nothing to do with a dog attack 19 months later. This is a stall tactic for trying to find a way to not pay any of the $106 vet bill – the hours of employee pay to research this costs more than the vet bill for pete’s sake.
Poor, poor management of a business. Poor, poor stewardship of my monthly premiums. You are losing money just researching a surgery that was paid for by Tufts Veterinary and Last Hope K9 Rescue out of Boston. I even have Wellness coverage which I haven’t even bothered to make a claim on even though I keep up with my dog’s shots, heartworm preventives, etc. I am done with Embrace.
Treva Whichard

The first thing I noticed in this review was that Embrace was open and honest. When is the last time you heard of an insurance company (any insurance company) being open and honest? There are so many companies that are looking to take advantage of people and it's such a relief to know that there are companies out there that actually care about patients. Not only that, but this is a company that actually cares about their customers being happy and trusting. Finally, a company that understands that customer loyalty is something they must work for.

Throw in the fact that this company is not only caring and honest, but also offers an excellent service, and I can't imagine using any other company. The fact that Embrace offers services that many other insurers don't is excellent. As a pet owner who has seen cancer first-hand, I was also impressed that this company covers expenses associated with cancer.

I will definitely be making note of this company for when I adopt my next dog. I want to be able to give my dog the best care possible and insurance will certainly make that easier to do. Thank you for such a great overview.


I have been reading a lot about pet insurance providers lately and one thing that strikes me is that they are often very similar to our own insurance companies in that they only allow you to go to certain doctors or veterinarians that are within their network of care practitioners.  That policy, while I understand how it works, always seemed counterproductive to me with the goal in mind of providing good health care to a company’s customers.  I mean, if we are aiming to be healthy and prevent continual health related problems, should it not be sensible to say that you can find the best care possible? 

Embrace Pet Insurance seems to understand that one of the keys to a healthy pet that will not require multiple claims would be to find a competent and caring veterinary clinic that will truly help the animal live a better life.  I think this is borderline revolutionary thinking and I sincerely hope that in the near future we as human beings begin to be offered the same kind of options.  It may be unlikely, but you never know.


I have had pet insurance on my radar for several years now as I used to work for an advertising agency that looked at gaining some of those types of clients.  Back then, the selection available to pet owners was pretty limited and I heard that it was mostly a one-size-fits-all kind of a deal where you could pay a flat rate at the outset of the policy and go from there. 

Nowadays, I see companies like Embrace Pet Insurance that are taking great strides towards creating a much more personal experience for their customers and starting to pay much greater attention to the customers service aspect of doing business.  This tells me that the industry is getting much more competitive in the past and to the benefit of the customers in question.

Reading through Embrace Pet Insurance’s policies and their overall credo, I can tell that they aim to be one of the premium pet insurance providers in the marketplace and I am certain that there are many pet owners that will be willing to pay a bit more for better service.


I recently switched my healthcare provider across the board for my medical, dental, and eye care insurance.  I have not been disappointed with the change thus far but it has reminded me just how confusing and difficult it can be when you are trying to figure out what is covered by your policy, how much upfront expenditure you are responsible for as a patient, and who will actually be covered as a health care provider. 

Why must it all be so difficult?  It seems like everybody is trying to pass the buck and avoid having to pay or cover any kind of expense when it comes down to it.  From what I understand about Embrace Pet Insurance, they simply want to let their reputation and service stand on its own and let the customer make the decisions about what they want. 

Perhaps someday it will become more commonplace for insurance providers to behave in this manner and give their clients a more clear picture of what they are entitled to up front without having to weed through pages of literature.


Pet insurance is not only the responsible option for every pet owner, but it can save a lot of money for everyone in the community. I have seen all too many instances where a pet owner needed expensive emergency care and could not pay, and the situation always results in either a tragic loss of a beloved pet or a tragic inability of the owner to pay and the veterinary hospital losing out. Pet insurance companies such as Embrace offer an alternative to this situation that I think is a win-win, because for an affordable monthly premium, a pet’s life will be saved and the hospital can be paid for its services, too.

Embrace surprised me with some of its innovative coverage. I wish more ‘people insurance’ companies were as brave as Embrace! Covering emergency room visits seems like a standard insurance offering, but covering hydrotherapy, pet massage, homeopathic medicine, and breed-specific conditions is nothing short of amazing. If just having pet insurance is a win for pet parent and community, this is like winning the Olympics of pet care, since these types of treatments prevent more expensive emergency visits and can extend a pet’s life to boot.


I have to say, I am really impressed by this review. This insurance company seems to be something completely different than I am used to dealing with. Most insurance companies treat you like you should be thanking them for allowing you to give them your money. In fact, it is hard to find any kind of service anymore that actually appreciates their customers. Even the teens at McDonald's act like you should feel fortunate to have the sling a bag of cheeseburgers at you. This trend is very disturbing. The only good thing about it is that poor customer service ends up making companies like Embrace stand out above the rest.

I have been looking for  good insurance company to go through. But I m very picky about where I spend my money. I want good service and I don't want to be a number. I want to be able to make my own choices and actually use my insurance without worrying about penalties in the form of increased cost. The fact that they are environmentally conscious is a major plus as well!