Embrace Pet Insurance Reviews, Costs, Benefits

Pet insurance is an all-encompassing solution for managing a pet’s medical expenses.

These expenses can pile up and become a significant financial concern after a while.

To avoid skipping medical treatments and/or settling for less, it’s highly recommended to consider signing up for a customized pet insurance policy.

This is where a company such as Embrace Pet Insurance comes into play as a viable provider.

Here’s a detailed review of why Embrace Pet Insurance is a legitimate option, its coverage options, and what makes it among the best companies.

How Embrace Pet Insurance Works

embrace pet insurance

Embrace Pet Insurance offers a selection of well-designed policies to choose from [1].

Pet owners are welcome to assess each policy option, weigh the pros and cons of each feature, and come up with a fully customized plan.

The provider offers a detailed list of viable features including pet-based solutions dependent on the type of pet being covered.

Embrace Pet Insurance is heralded for offering a long list of insurance features and allows personalization down to the last detail. This ensures clients end up with something useful and long-lasting.

Embrace Coverage Options

Here’s a Quick Look at Embrace and Some of What’s Covered:

Beginning with the coverage options, Embrace Pet Insurance offers a personalized approach to building an insurance plan.

The coverage options include assessing what the client requires and using this to pinpoint the relevant costs.

Potential factors can include:

  • Age
  • Location
  • Breed
  • Deductible Limits
  • Reimbursement
  • And More

With the breed, Embrace Pet Insurance assesses the type of bet and what their breed is known for (i.e. specific illnesses).

Based on this assessment, the company comes up with relevant coverage options, costs, and additional details.

The pet’s age is also going to play a significant role in the initial assessment. A younger pet will have a reduced risk profile because most serious illnesses are developed later on in life.

Location plays a role in determining potential veterinary rates for specific medical treatments. Each area will have a range of costs and these details are used to pinpoint pet insurance limits.

Clients can take the time to customize their deductible with Embrace Pet Insurance. A higher deductible typically means a lower monthly premium. These details are discussed during the initial assessment with a qualified representative or can be chosen online during the quoting process.

Additional factors include reimbursement, which is decided in relation to the final vet bill. A set percentage is declared based on the vet bill.

A higher annual maximum typically means a higher monthly premium.

Covered Conditions & Treatments

a black and white dog that looks sad

Embrace Pet Insurance offers a wonderful selection of coverage options and their policies cover a broad range of medical conditions.

Everything is set up under one complete policy, which can be customized based on the pet’s needs and your budget.

In general, the average policy will have a reimbursement percentage of up to 90% on all vet bills as long as they’re listed for one of the covered medical conditions or treatments.

Embrace Pet Insurance can cover the following conditions and treatments:

  • Breed-Related Conditions
  • Accidents
  • General Illnesses
  • Diagnostics & Imaging
  • ER Fees
  • Rehab
  • Behavioral Therapy
  • Prescription Drugs
  • Surgical Procedures
  • Specialist Care
  • Hospitalization
  • Chronic Conditions
  • Cancer Treatments
  • Dental Illnesses (Up to $1,000 per Year)
  • Exams and Consultations

Please note, not everything is covered under this policy. Embrace Pet Insurance doesn’t cover specific treatments and these are listed in the written policy.

For example, the company doesn’t cover pre-existing conditions, DNA testing, cloning, breeding, and/or cosmetic procedures (i.e. tail docking, declawing)

Are Alternative Therapies Covered?

Alternative therapies can vary in terms of what’s being done.

Based on the standard definition of alternative therapies, these are acceptable under the signed policy as long as they are administered by a certified professional.

These determinations are made during the claims process and will have to include a detailed assessment of the alternative therapy and why it’s being employed.

It’s important to keep all relevant documents about alternative therapy on hand during the claims process. This can help alleviate potential hurdles before reimbursement.

Benefit Limits

The annual limit can vary depending how it is personalized with Embrace Pet Insurance.

In general, the annual limits are set at approximately $5,000 to $15,000 depending on the premiums. These details are decided during the initial discussion with a representative from the company.

Please take the time to go through these details with the representative to learn more about the process and how the limits are activated.

This information can make it easier to handle potential medical emergencies when it is time to seek treatment with a qualified vet.

How Much Does it Cost per Month?

The costs can vary based on the type of pet insurance policy a client signs up for.

In most cases, the premium will end up at an average of $35, however, this can differ based on the selected features.

Remember, Embrace Pet Insurance promotes a personalized approach to pet insurance, which allows clients to pick and choose what is desirable for their situation.

This can increase and/or decrease the monthly premium from the listed average.

Deductible Options

Embrace Pet Insurance offers what is called a “Healthy Pet Deductible,” which refers to an annual deductible that can go down by approximately $50 per year. This is only activated when a claim isn’t put in within the previous 12 months.

This feature is included in all policies offered by the insurance company.

An example of this would be a dog with an annual deductible of $200.

Let’s assume in Year 1, the client doesn’t receive an accident or illness claim reimbursement. This means next year’s deductible is going to come down by $50, which would leave it at $150.

However, when a claim is eventually put in, the deductible is reset back to the original amount as decided on the first day.

With deductible options, clients can end up waiting for a few years and having it set down to $0.


a woman gets paid back for her vet bills

The reimbursement process is simple and is one of the main advantages of choosing to go with Embrace Pet Insurance.

The company requires a listed invoice from a qualified vet detailing all medical costs for the procedure.

The same applies to prescription drugs and/or any other relevant medical expenses. Once the claim is put through, the claims department analyzes the document and verifies it before pushing the reimbursement through.

The reimbursement is automatically sent to the client’s listed account.

How Do You File a Claim?

Embrace Pet Insurance has made the claims process as easy as it should be. It doesn’t take more than a few minutes to submit all relevant medical documents.

To get started, clients are expected to submit a claims form detailing what has transpired, what the costs are, and what the reimbursement is for.

The claims form can be sent through email, the main user My Embrace account, app, fax, or by mail depending on what the client prefers.

Make sure to attach all itemized invoices for the medical treatment and what the expenses were. This can make the claims process progress as needed. After the documents are sent in, a qualified professional is going to go through the claim and assess and confirm coverage and apply your policy parameters such as your deductible and reimbursement percentage.

After this is done, the claims process is going to be pushed forward for reimbursement.

Remember, it’s important to send in all relevant documents about the pet’s pre-existing medical history before putting in a claim. If these details aren’t already sent in, make sure to include them in the claims process.

The claims process is straightforward once everything has been approved. The funds are generally sent over quickly.

Waiting Periods

how long does it take to get your money back

The waiting period is common among pet insurance companies and Embrace Pet Insurance is no different in this regard. The company has a mandatory 14-day waiting period when it comes to illnesses.

For accidents, the waiting period is set at 48 hours.

It’s important to note dogs will have to go through a 6-month waiting period for orthopedic conditions.

However, this waiting period can be reduced if the dog goes through a detailed Orthopedic Exam and their vet completes an orthopedic waiver form provided by Embrace.

The waiting period is activated as soon as the policy is. If the condition is a pre-existing one and is highlighted in the initial medical exam, this is not going to be covered under the form.

Embrace Pros & Cons


1. Emphasis on Personalization

This is one of the biggest advantages of choosing to go with Embrace Pet Insurance and why it continues to win over new clients.

Being able to fully personalize the policy is a major step in the right direction for modern pet owners.

Whether it is choosing a specific feature or reducing the deductible, this level of customization is a must when it is time to find the best possible deal.

2. Low Premiums

The cost associated with pet insurance is what hinders pet owners from signing up and keeping their pets safe.

To avoid dealing with this problem, Embrace Pet Insurance offers full customization, which leads to a reduction in premiums.

This is a wonderful advantage for those on a budget looking to protect their pet’s medical expenses.

3. Long List of Features

The features offer a wonderful level of depth and attention to detail when it comes to making the right choice. Each pet has a unique set of needs and these features offer enough space to customize as needed.

Being able to pick and choose between features is a major advantage moving forward.


1. Doesn’t Cover Pre-Existing Conditions

The only negative associated with this pet insurance company has to do with the lack of protection against pre-existing conditions and their expenses.

In certain breeds, these conditions become a consistent troublemaker and it’s always nice to have some form of protection in place.

However, that is not possible with Embrace Pet Insurance.

Real Customer Testimonials: Good + The Complaints

If you’ve done any research on pet insurance, there’s a good chance you’ve seen Embrace involved in the conversation.

Overall, they have a solid reputation online, and a large body of positive reviews from their customers. They currently have an “Excellent” rating on Trustpilot, with 77% of reviewers giving them their highest rating [2].

There are a few complaints, but not many.

Here’s a look at a few good reviews, and a couple that weren’t so good.


Well worth it for the peace of mind! I have had Embrace Insurance for my sweet dog for many years and I can’t recommend them highly enough! They are wonderful to deal with over the phone and they always handle claims quickly. My pup recently became very ill and had to be admitted to a hospital. She was discharged on very expensive treatments and medications. If I didn’t have insurance, it would have been an even more stressful experience! -Verified Customer

I’m really impressed with Embrace. Our 2-year old cat got sick while I was traveling and my wife had to take him to an emergency vet clinic. Once I came home I submitted the paperwork to Embrace and within a few days they paid their share of the expense which really helped us. -Verified Customer


My dog had a skin condition on his mouth and previously had an unrelated ear infection. Embrace denied my claim for my dogs mouth because the unrelated ear infection according to them is a preexisting condition. Makes no sense!

I have been with Embrace for over a year with no issues because they are just taking our money but when it came to reimbursement for the claim that I submitted they are taking forever and reject with non sense reasons.

It’s worth noting that Embrace seemed to quick to respond to the complaints that we saw posted. In many cases, it seemed that the customers weren’t totally clear on the term of service, and their claims were being denied based on a reasons they should have known about when they signed up.

Either way, based on their overall customer satisfaction rating, and the research we’ve done, SuperPets is happy to recommend Embrace to people who are looking for high-quality and reasonably priced insurance for the pets.

Review Summary

superpets approved

In general, Embrace Pet Insurance is a world-class provider with years of established experience in the industry. This means it’s relevant, professional, and designed to help new-age pet owners with all of their insurance needs.

The “MyEmbrace” app is a major plus and ensures pet owners can quickly file a claim without having to leave the comfort of their home or put in a phone call.

With an emphasis on personalization, the insurance company goes above and beyond to make sure its clients get the best service from day one.

Disclosure: Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.


  1. Embrace Pet Insurance. Retrieved from https://www.embracepetinsurance.com/
  2. Embrace Pet Insurance Reviews, TrustPilot. Retrieved from https://www.trustpilot.com/review/embracepetinsurance.com
  3. See how Embrace compares to Healthy Paws
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