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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. In this comprehensive review, we will take a look at Embrace Pet Insurance including who they are, what they offer, pricing information, pros and cons, and how to take advantage of discounts and savings on your policy.

Visit Embrace’s Website

Who Is Embrace Pet Insurance?

Embrace didn’t make our top three in our pet insurance comparison but they do have great customer service and high reimbursement rates. Embrace Pet Insurance was founded in 2003 when Wharton MBA graduates Laura Bennett and Alex Krooglik decided they wanted to make a difference in the pet insurance industry. It took a few years to get Embrace Pet Insurance established and off the ground but in 2006 the first policy was sold. The journey of establishing Embrace was a long one punctuated by many highs and a few obstacles, but by 2011 the Ohio-based company was beginning to show positive cash flow.

Who Is the Underwriter for Embrace Pet Insurance?

An underwriter in insurance is someone who assesses the level of risk that is associated with a person, an asset or an activity. This assessment is used to determine premium pricing (your premium is the amount of money you pay out-of-pocket for your insurance policy) for the insurance company. Embrace Pet Insurance is underwritten by American Modern Insurance Group for all states and the District of Columbia except for Florida, which is underwritten by American Southern Home Insurance Company.

Review Overview

Policy Coverage
Customer Service & Reputation
Timeliness of Claim Payment
Price of Policy


Embrace pays claims within 15 days and has good customer service. However, their prices could decrease and they do have more exclusions than other pet insurance providers.

What Is Covered by Embrace?

Covered by EmbraceNot Covered by Embrace
Exam FeesTreatment for an illness related to teeth and/or gums
Laboratory Tests and BiopsiesBreeding, whelping or pregnancy
Hospitalization and SurgeryPre-existing Conditions
MRI and CT scans, X-rays, UltrasoundInjury caused deliberately by you or any other person residing in your home
General, Specialist and Emergency CareInjury or illness resulting from fighting, racing, cruelty or neglect
Allergy TestingCosmetic procedures such as tail docking, ear cropping or dew claw removal unless medically necessary
Acupuncture, Chiropractor, Holistic MedicineDNA testing or cloning
Physical Therapy including HydrotherapyOrgan transplants
RX Medications (unless you opt out)Avian flu
Laparoscopies, Laser SurgeryNuclear war (yes, really!)
Genetic Conditions (such as hip dysplasia)
Chronic Conditions (such as asthma)
Dental Trauma
Cancer Treatment including Chemotherapy
Cremation or burial
Additional fee

Optional Coverage Under Embrace Pet Insurance

In addition to the services that come standard under the Embrace Pet Insurance plan, there are additional services that pet owners can purchase.

Prescription Drug Coverage

For pet parents with healthy animals, prescription drug coverage may not be needed. However, if your pet has chronic health conditions and requires monthly medications, then prescription drug coverage may make a lot more sense. This coverage offers reimbursement for drugs prescribed by a veterinarian for at home administration including pharmaceuticals given for pain relief, allergies, ear conditions and/or topical ointments. Most pet insurance providers include this coverage at no extra cost.

Wellness Rewards

Wellness Rewards is another optional program offered by Embrace to maintain your pet’s health via preventative measures. This program is rather unique in the pet insurance category. There are three allowance levels offered for this program: $250, $450 and $650. This program gives an allowance with “bonus cash” that can be applied towards:

  • Wellness exams
  • Vaccinations and titers
  • Flea, tick, and heartworm medication
  • Spay/neuter surgery
  • Fecal exams
  • Routine blood tests
  • Microchipping
  • Behavioral training
  • Umbilical hernia repair
  • Gastropexy
  • Toe nail trimming
  • Routine anal gland expression
  • Routine chiropractic care, reiki, massage therapy, acupuncture
  • Anesthetic teeth cleaning and dental illness
  • Prescription diet food from Hill’s, Purina, Wysong, or Royal Canin
  • OFA & PennHIP exams and X-rays
  • Nutritional supplements
  • Medicated shampoos
  • Pet training/behavior sessions
  • Pet activity monitors
  • Grooming
  • Cremation/Burial

What Is a Pre-Existing Condition?

Most pet insurance policies offer their own definition of a pre-existing condition. This can be confusing for pet parents to understand. Under the Embrace Pet Insurance plan pre-existing conditions are defined as conditions that an animal has experienced prior to policy coverage, whether this condition was diagnosed by a vet or not. Embrace distinguishes between curable and incurable pre-existing conditions. A curable pre-existing condition may be a bladder infection or an upper respiratory infection. These types of illnesses can be treated and completely eliminated. An incurable condition may be hip dysplasia, cancer, orthopedic illness or injury on the opposite side of a prior injury, allergies and hyperthyroidism.



  • 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
  • No additional waiting period for ACL surgery or hip dysplasia
  • No transaction or one time 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
  • 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.
  • No live chat and limited phone hours
  • Prescription medication coverage costs extra
  • No unlimited claims options

Embrace Pet Insurance Pricing Quotes

Pet owners have full control over the cost of their pet’s coverage plan. Embrace offers pet owners a variety of customization options including varied levels of reimbursement percentage, varied deductible amounts and optional coverage programs. In addition, pet owners can set an annual maximum coverage amount, choosing from $5,000, $8,000, $10,000 and $15,000. Annual deductibles can be set at $200, $300, $500, $750 or $1,000 per year. Reimbursement percentages can be set at 70%, 80% or 90% per visit. Quotes below are from May 2017 and do not include prescription coverage.

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$33.34$32.29$43.65$53.75$50.73$25.79$25.26
Reimbursement Level80%70%80%90%90%80%80%
Annual Deductible$200$500$500$200$200$200$200
Annual Maximum$10,000$5,000$8,000$5,000$5,000$10,000$10,000

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

It took Embrace about 6 weeks to pay our first claims.  They did pay exactly 100% of everything we thought would be covered under our plan and that was good to see.  This was their first claims to pay for us and I can hope that future claims would go through more quickly now that they have  our dog’s medical records.  I never dreamed that my beloved super super healthy little pup would end up having a heart condition. I am super glad that we had gotten this insurance before and that it will now be here to help fill-in with any expenses that might occur because of his condition or anything else that might happen. It is an added expense each month and so is having a dog. He’s a family member and we take care of him  just as we do anyone else  in our family. – Jacky T., Yelp 3/23/2017

AMAZING EXPERIENCE! Super affordable, easy to get in contact with, and the employees actually care! I file wellness claims all of the time and I get my reimbursement very fast! if you take the wellness package they offer it is totally worth it! It covers your flea/tick meds, heartworm, any checkups, vaccines, spaying/neutering, micro chipping and lots more! (all until you meet your yearly coverage amount though — which is still a reasonable amount of coverage!) I have a one year old German shepherd male and I am very confident if anything goes wrong with him, he is covered through Embrace. I went through a lot of research about pet insurance companies to see what was the most affordable and what sells the best products and Embrace is who I stuck with. 🙂 If you have the orthopedic check and they pass, they even cover hip dysplasia problems! AMAZING! This is a huge one for me because German Shepherds are prone to this sad disease. I would highly recommend this company to anyone for their pet! – Kacie C., BBB 4/30/2015

Negative Reviews

STAY AWAY FROM  EMBRCE PET INSURANCE, BIG SCAM.! They paid on a few of my claims, when my poodle had a fracture but denied all claims when he got bone cancer, saying it was pre existing, even after we sent all the previous years clean/ no problem  vet  report. They will find something to deny your claims, be careful, ask your vet  for recommendations,  do not use them! – Marianne M., Yelp 1/26/2017

I’ve had a police with Embrace for almost 4 years. For the first 3 years I would have given them a 5 star. Everything was great. I recommended them to many people. But the past 8 months it’s like the entire company changed. Claims are always messed up. It takes them 3 weeks to get around to even start to process a claim. Claims are denied because of their mistakes and it takes multiple phone calls and emails to get them to make corrections. I gave them 2 stars because they were good in the past. If I was rating them on the past 8 months alone it would be 0 stars. – Joy W., BBB 3/30/2017

Why Should I Consider Embrace Pet Insurance for my Dog?

  • Embrace clients are free to use any vet and do not have to stick with “in network” veterinary clinics.
  • Good customer service quality reputation.
  • Claim refunds are made based on vet bills that are submitted rather than set amounts.
  • Clients can customize their pet’s policy to fit their pet’s needs and their financial budget.
  • Pets are protected for a lifetime with coverage of chronic health conditions.
  • 30 day money back guarantee.
  • Embrace is an environmentally friendly company.

Why You Need Pet Insurance

Wondering why pet insurance is important? See what this Embrace Pet Insurance rep has to say about pet insurance.

Not Sold on Embrace?

Did you know that 50% of dogs over the age of 10 develop cancer at some point in their life? Unfortunately, those odds may not be in your dog’s favor. That’s why 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 other pet insurance articles 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.
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 adopted Sally, a 3 year old hound mix, in 2017 and is loving life as a pet parent.

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28 Comments on "Embrace Pet Insurance: One of the Best?"

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L Adams
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… Read more »
C. Martinez
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… Read more »
Kimberly Alt
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
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… Read more »
Embrace Sucks
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… Read more »

I think the majority of pet insurance is buckling down. There really isn’t any sympathy out there

James R Clark
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.

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… Read more »
Katherine Silcox
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.

a clever canine
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… Read more »
Sara from Embrace
Sara from Embrace
Treva Whichard
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… Read more »
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… Read more »
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… Read more »

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