Embrace Pet Insurance: One Of The Best?

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Bloodhound dog running in grassJust like health insurance, there are many companies and policies to choose from to insure your pet. How does Embrace stack up to the competition? We dive deep with coverage details, actual pricing quotes, and real customer reviews.

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Article Overview


4.15 / 5
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
  • BBB rating is A+
  • Claims are paid between 5-15 days
  • Up to a 10% max discount for multiple pets


  • $1.00 monthly transaction fee and $25 enrollment fee
  • 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's considered a pre-existing condition.
  • No unlimited claims options

Key Features

  • Underwriter: American Modern Insurance Group
  • Exam period: Requires a vet exam within the last 12 months before the policy start date or 14 days after the start date
  • Medical History Review: Embrace offers a Medical History Review during enrollment. Essentially, this is 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 (a condition or disease that affects both sides of the body): If your pet has a pre-existing bilateral condition (e.g., ACL tear), they are at a higher risk of the same situation on the other side of the body, and future occurrences of the same condition won’t be covered
  • Must submit claims within 60 days of renewal to the next term.
  • Reimbursement: Pays claims within 24 hours of processing. It processes 95% of claims within 5 business days and 40% within 2 business days. 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)
  • Allstate, American Family, Geico, and USAA sell Embrace
  • Healthy Pet Deductible: Your pet’s annual deductible goes down $50 each year you don’t receive a claim reimbursement
  • 24/7 PawSupport Pet Health Line allows you to speak with a pet professional day or night via live chat, video and phone
  • Customer Service Hours:
    • Live chat: Monday – Friday 8:30am – 5pm ET
    • Contact center: Monday – Friday 8:30am – 8pm ET and Saturday 9am – 1pm ET

What Does Embrace Cover?

Below are items covered (and not covered) by Embrace as of December 2018.

Covered by EmbraceNot Covered by Embrace
Breed-specific and genetic conditionsAvian flu or nuclear war
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 testing
Hospitalization and surgery
Prosthetic limbs and devices including mobility aids
Dental illness up to $1,000/year
Prescription drugs

Is Hip Dysplasia Covered?

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. Aside from surgery, your dog will need pain medication for life and possibly supplements, which can add up in costs.

Fortunately, Embrace provides coverage if your dog develops hip dysplasia, as long as the 6-month waiting period is over.

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%

The cost of each policy is unique to your pet and depends on many variables, including your pet’s age, breed, location, health conditions and more. To give you a general idea, we gathered the following sample quotes in December 2018 (these don’t 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$40.70$60.28$39.61$84.36$75.84$12.50$22.93
Annual Maximum$10,000$5,000$8,000$5,000$5,000$30,000$10,000
Annual Deductible$200$500$500$200$200$1,000$200
Reimbursement Level80%70%80%90%90%70%80%
Prescription Drug CoverageCheckmarkCheckmark

You can get personalized price quotes for your pet(s) from some of the best companies when you fill out just 1 short form. Also visit our Pet Insurance Quotes page to see how the cost of Embrace stacks up against the competition.

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 go 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

Coupon Code

Embrace offers a few different discount options. Spayed or neutered pets in NY get a 5% discount. If you have multiple pets, each one gets 10% off (5% in NY). You can also pay annually and get 5% off in NY. Click here to access any of these discounts.

Waiting Periods

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

Embrace Customer Reviews

Read about how Embrace has treated these real-life customers. We’ve got good and bad feedback 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

I am more than disappointed. Unprofessional staff that do not answer and call you back. When asked for a refund the charged me additionally. They do not cover claims and it takes them weeks to process a claim if there is one. I would highly recommend not using this pet insurance company. – KyleG, BBB 11/7/2018

Our Final Verdict On Embrace

Embrace has an overall positive reputation and fantastic customer support options, but its waiting periods for coverage are more restrictive than other companies. Monthly premiums vary widely, so we recommend getting an individual quote for your pet.

Doing your research before buying a pet insurance plan is not only smart, but it also 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?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories and more. Her natural curiosity helps her research as she seeks the truth when learning about, comparing and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs.

Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child. In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly's research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today.

One of Kimberly's favorite pastimes is spoiling Sally with new toys, comfy beds and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs, and knows the bond between humans and canines is like no other.

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.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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newest oldest most voted
30% increase to my monthly premiums every year after the dog turned 4yrs old. No other insurance company I have found raises its rates by that much. It is insane! Look elsewhere because you won’t be paying the low number they quote you for long!
I don’t know how other companies compare other than my friends who have Healthy Paws, which I regret not getting initially and am now switching to, but Embrace is not a company that cares about your pet, it is a company that is there purely to make money off of your genuine concern for your pet. To be clear, I get that obviously all these insurance companies are trying to make money, but Embrace is downright disgusting in that they clearly don’t care at all about you as a human or your pets at all. Like all the other comments, they will look for any reason not to cover a claim. My dog was hospitalized for severe gastroenteritis and because she previously once had lack of appetite they wouldn’t cover ANYTHING. I’m sorry, but a dog having vomiting or lack of appetite at some point is basically inevitable, but they consider this a clinical indicator of a possible underlying condition (all kinds of ultrasounds and bloodwork was done, there was no underlying condition, hence the diagnosis of acute gastroenteritis…). My other dog has seasonal allergies that results in itchiness and they ruled this as a pre-existing dermatitis condition and will not cover ANY skin issues she might have in the future, whether related to said allergies or not. It is downright absurd.

They are gross, they are cruel, they are disgusting in their shamelessness. DO NOT go with Embrace.

Patricia A Shaw
Embrace Pet Insurance-
Is the ABSOLUTE BEST, I got my Yorkshire Terrier 4 yrs ago from birth & this company literally has been Ah’mazing literally I believe in honesty & truth in reviews
I’m from a Retired Army background we found Embrace By accident through our USAA Insurance.
This Pet Insurance fell in our lap we knew at the time having a 6 wk old TeaCup Yorkshire Terrier would require us getting insurance on him right away.
He is now 4 yrs old and thanks to EMBRACE he has been covered & insured since say one, trust the positive reviews they are the real thing if you see any negative reviews it is probably at the time the dog owner was frustrated getting their beloved pet taken care of and because of miscommunication getting their questions answered they gave EMBRACE PET INSURANCE a bad review like I said since day 1 my Teacup Yorke- Jette has been covered from all Wellness visits, to grooming needs, to being neutered the only thing NOT covered are overnight boarding stays when you go on vacation and leave your beloved pet behind
Every dog owner is responsible for those it’s considered a luxury and rightfully so.
They will cut you a check asap concerning reimbursement in all things Embraced.
Go EMBRACE- the fees are tolerable as well not mad at it at all, monthly U can’t beat 65.00 verses 100’s of dollars, Mines has perks because of USAA Insurance & for me thats a WIN WIN WIN!
Thanks again to all the Embrace Pet Insurance Staff Members U ROCK!!!!
You are STELLAR!!!!
Alex Gontier
Embrace pet insurance. I don’t know if it’s a scam or if they really are just a trash company. I’ve never experienced anything like dealing with this joke of a company. They hide behind the almighty preexisting condition clause when the illness as stated by the vets and nurses has nothing to do with a pre existing condition. Choose any other company or even go without pet insurance altogether rather than joining embrace. It will save you stress, time and having to talk with complete morons.
Dog was HIT BY A CAR after escaping from yard due to hurricane damage. Embrace has spent MONTHS trying to deny claim. Dog was a rescue, I talked to numerous representatives BEFORE they took my FULL YEARS payment and they assured me that rescue dogs without medical history from when they were a puppy were STILL covered. I provided medical notes from his intake a full 2 years prior, showing good health, no preexisting conditions, etc. Now they deny claim because they “don’t know” if he has/had preexisting condition. For a car hitting him?????


Alex Gontier
Embrace is trash. Refuse to cover anything and hide beneath their desks like cowards
I get it, it’s an insurance industry. They are here to make a profit. They will not cover pre-exisiting conditions. Fair enough.

What Embrace hides in the fine print is that even if symptoms are notated that *may* be *possibly* related to a *potential* illness that has NOT been diagnosed — that too will fall into pre-existing conditions.

This is Embrace’s wording: “Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing”

In my case, my dog was recently diagnosed with Cushing’s Disease, treatment is expensive (but works wonders, btw) so I submitted the claims — but I was denied because I had mentioned an “increase of thirst” to my vet 10 months prior, and it was in the notes, it would fall under pre-existing conditions.

In other words, ANY illness with increased thirst as a symptom would not be covered. But increased thirst CAN be a symptom of Cushing’s, or kidney disease, or liver disease, or diabetes, or certain cancers, or even just plain dehydration.

Meaning because I had mentioned the increase of thirst within the last year prior to the policy, she would not be covered for ANY of those illnesses.

They also denied a claim for pancreatitis because there had been a previous instance on her record. So it too was a pre-existing condition, even though dogs can get multiple bouts of pancreatitis.

And yes, that fine print was magically revealed to me with the denial of the claim.

Blah blah blah, pet insurance sucks, but let’s end this on a good note. Embrace may be super shady, but my dog is about to be 12 and doing great!

I have 2 female dogs, ages 2 and 4. No claims in 2 years. Just got my renewal. 35% increase over last year. Not happy. What will it cost when they are 6 and 8, for example?
Lexie's Mom
We have USAA and ended up getting a pretty good discount/deal on Embrace! Was impressed with all the features/benefits of what all it covers, only kicking myself now for not signing up sooner as I just had a big out of pocket expense/operation which I would have been reimbursed for 🙁 Haven’t had to file a claim yet (hopefully won’t need to anytime soon) but impressed with the overall experience so far.
Barry Hoffman
Be very careful in signing up with Embrace, especially if you have prior long term pet insurance and you are changing based on price / deductibles.

One, this is the most document intensive pet insurance firm out there.

Their focus is on, one way or the other, figuring out what you pets pre existing conditions are so the can be excluded from coverage.

This would be fine if their determinations were based on accurate and practical reading of vet reports but they seem to skim them and focus on the key words that will allow them to make a case for pre existing condition, e.g., in connection with health exam, dog exhibits pain when vet stretches limb but on second stretch no sign of pain and dog walks and runs normally before and after exam. Embrace determines this an orthopedic condition that is excluded. Neither vet, nor us nor any observation suggest orthopedic condition but Embrace knows.

All pre condition exclusions are so broadly and generally drafted, one has know idea how far they extend. Surly, for most illnesses the dog will be in pain and vocalize but Embrace is ok with a one time vet visit for unusual vocalization being a pre condition to be excluded from coverage. Think about it, your dog breaks a leg, vocalizes for hours in pain, is the general exclusion of vocalization make it so the accidental broken leg is a non covered item because it relates to the excessive vocalization?

Be careful, a few dollars more a month to go with an insurance firm that is practical is the prudent way to go. No to Embrace.

I am looking for an insurance policy that will cover behavioral evaluations and training. Is this something you folks look into. I was told by my vet that some policies do cover. Looking for options for my rescue pup.
I’ve had the same experience as those offering warnings below. They’ll look for ANY excuse to deny a claim. I’m currently battling them as they deny every claim stating they require medical history, which they have, and have had for months. It’s a farce, and will file a complaint with BBB.


Omar Villagomez
Thanks a lot I have 4 cats and I was about to sign up Devils deal..but now with this horrible experience you shared with the world I’ve changed my mind. It should be more state and city regulation about this type of pet insurance companies. As a pet owner caring for those little furry ones HEALTH is priority but it seems that some people or companies they just want to profit and exploit animals people’s love
I signed up for Embrace pet insurance five years ago. Never had to submit a claim until now. When I signed up they asked for a orthopedic exam report from my vet and a slight crepitation was noted back in 2014. Around Thanksgiving my dog tore her ACL due to trauma, someone stepped on the lease when she was climbing stairs and jerked her back. I submitted the claim to embrace and they denied it and asked for a letter from my vet explaining that the ACL tear had nothing to do with the crepitus that was previously noted. My vet supplied that letter and CLEARLY stated that the ACL tear was due to trauma not the crepitus. Embrace denied the claim again stating that the crepitus had caused the ACL tear. My vet totally disagrees, the ACL tear was due to trauma. So now some claims adjuster at embrace is overriding my vet’s diagnosis, how is that even possible and why does embrace allow that to happen. I will tell you how they only care about the money. Go elsewhere for insurance because they will look for any excuse not to pay.
Korra smith
Do they cover some cost for training? I will get Rottweiler so I need train we’ll for others.
This needs to be update they offer wellness plans so vet visits are coverage.
Michelle Schenker (Admin)
Hi Keith, We do discuss the wellness plan here.
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!
same thing for my dog, they also detailed that this means they will not cover ANYTHING that relates to aggression including if my dog were attacked, even if not the aggressor, this is the exact language provided by them: “Some examples of situations that this would exclude coverage for are (but are not limited to) vet behaviorist consults or treatment, fight/bite wounds (even if occurred during ‘play’, regardless of who was the aggressor), medication for aggression or related sedation, sedation that is needed due to aggression for exams/treatment/etc”
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.
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!

What have they actually reimbursed you for? Thanks.

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.
Lor V
But how can you vouch for a company if you don’t even have a pet to have tested through the process with real experience? How do you know they’re so great? Sounds a little like a sales pitch.

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!


Many people overlook the value of pet insurance. Of course, these are usually the same people who go without health insurance for themselves. And, truth be told, insurance is something you hope you never have to use, but you're really happy to have it when you do need it. Vet bills can be incredibly expensive and having the right pet insurance can mean the different between treating and euthanizing your pet.

I received a quote from the company and was pleased with the costs. I can insure my pet for as little as $20 per month or I can get the top plan for around $60 a month. Personally, I found that the middle of the road plan was the best option for my dog. It offered everything we needed to handle accidents, prescriptions, and anything else that she might need. What really impressed me about this plan though was that it covered vet exams. Most plans are focused on accidents and not so much on daily care.

I'm not sure if I would use this plan or not. There are so many plans to choose from, but this does seem like a great pet insurance plan. In fact, it's one of the best I've seen.