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LAST UPDATED: March 6th, 2022

Embrace Pet Insurance is a top-rated health insurance company for dogs and cats in the United States, offering one comprehensive accident and illness plan. Embrace also offers Wellness Rewards, an optional preventative care product that reimburses for routine visits, grooming, and much more with no itemized limitations.

Beyond its comprehensive coverage for both the unexpected and expected costs of veterinary care, Embrace Pet Insurance plans also include the following key features: 
• 24/7 pet health line brought to you by PawSupport
• 30-day money-back guarantee 
• Coverage for exam fees
• MyEmbrace customer account and app for iOS and Android
• $2.00 from every policy sold donated to a pet-related charity 

Read the Embrace reviews (below) to see what others are saying about this pet insurance company. 


The Good

  • Embrace Coverage
  • Wellness Rewards Program
  • Prescription Drug Coverage
  • Healthy Pet Deductible
  • MyEmbrace Customer Accounts

Embrace Coverage

Embrace Pet Insurance offers one simple yet comprehensive plan that covers both cats and dogs against unexpected accidents and incidents. Pet owners can choose their own annual maximum, deductible, and reimbursement percentage but no matter how they personalize their policy, all pets will enjoy coverage for:

  • Breed-Specific & Genetic Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Cancer
  • Exam Fees (Office Visit Fees)
  • Alternative Therapies & Rehabilitation
  • Behavioral Therapy
  • ER & Specialist Care
  • Diagnostic Testing
  • Hospitalization & Surgery
  • Prosthetic Limbs & Devices including Mobility Aids
  • Dental Illness Up To $1,000/year (available in most states)

Cats and dogs must be 14 and younger to sign up for a new accident and illness policy. For older pets, Embrace only offers accident-only coverage. 

Embrace Pet Insurance states that waiting periods are required for all newly Embraced pets. The waiting periods for accident and illness coverage are:

  • Accidents: 48 Hours
  • Illnesses: 14 Days
  • Orthopedic Conditions: 6 Months (only applies to dogs and can be reduced to 14 days by following the Orthopedic Exam and Waiver Process)

During the orthopedic exam, a veterinarian will look for signs of hip dysplasia, cruciate ligament tears, elbow dysplasia, intervertebral disc disease, arthritis, and signs of fractures and bone cancers.

Before coverage can start, each pet must have visited their veterinarian within the past 12 months. If it is a new pet or if the pet has not seen the vet in the last 12 months, pet owners can take their cat or dog to the vet during the waiting period without any loss of coverage. 

Additionally, alternative therapy coverage is included on every Embrace policy, for all covered conditions. Coverage includes the following:

  • Acupuncture
  • Chiropractic
  • Hydrotherapy
  • Physiotherapy
  • Therapeutic Laser Treatments

Wellness Rewards Program

Wellness Rewards is an additional insurance policy customers can purchase alongside an accident and illness policy. Wellness Rewards is a preventative care and wellness plan, that reimburses pet parents for the everyday veterinary, training, and grooming costs. Embrace explains that their Routine Care package works like a health savings account and rewards its customers for being proactive in taking care of their pet. 

Pet owners may be reimbursed for:

  • Wellness Exams
  • Vaccinations & Titers
  • Flea, Tick & Heartworm Meds
  • Spay/Neuter Surgery
  • Fecal & Routine Blood Tests
  • Microchipping
  • Grooming
  • Cremation or Burial
  • Nutritional Supplements
  • Training: Behavioral/Obedience/Specialty
  • Routine Chiropractic Care
  • Reiki, Massage Therapy, Acupuncture
  • Teeth Cleaning
  • Prescription Diet Food Purchased at the Vet
  • OFA & PennHIP Exams/X-rays

Prescription Drug Coverage

Embrace’s prescription drug coverage for take-home medications is available with every policy*. Policies cover take-home drugs such as antibiotics, allergy medications, insulin and supplies, as well as eye and ear drops. The Rx drug coverage only applies to prescription medication for injuries and illnesses. It does not include coverage for flea, tick, or heartworm preventatives or prescription diet food. 

Prescription medications count towards the annual deductible, allowing pet parents to reach their annual deductible sooner. 

*In some states prescription drug coverage is an optional add-on while in others it is included on all new policies.

Healthy Pet Deductible

With the Healthy Pet Deductible, the annual deductible will go down by $50 each year, if pet owners don’t receive a claim reimbursement. This feature is included with every policy at no extra charge. 

MyEmbrace Customer Accounts

MyEmbrace makes it quick and easy for pet parents to manage their policy. Policyholders can upload photos of their pet, submit and view claims, access policy documents, view and update payment information, update policy, pet and contact information, and more. 

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The Bad

  • What’s Not Covered and Policy Limitations

What’s Not Covered and Policy Limitations

Standard in the pet insurance industry, pre-existing conditions are never covered. But Embrace also does not offer coverage for cosmetic procedures, breeding costs, DNA testing or cloning, or injuries that have been deliberately caused to an animal.

Additionally, pet owners should be aware of the limitations of Embrace's Alternative Therapy coverage. While Embrace does include alternative therapy on its policies, the coverage only works for 12 weeks following a covered injury or illness*. 

*In some states, there is no time limit. Customers should refer to their state’s terms & conditions for details.


The Bottom Line

Embrace Pet Insurance offers pet owners a wide array of coverage options for policyholders to choose from. Coupled with the discounts, Embrace makes it easier to pay those unexpected vet bills. Pet owners can pay either a monthly premium or annual premium, and payments can be made via credit card or directly from a bank account.

However, like most pet insurance providers, there are several situations where the policy does not provide coverage. Things like pre-existing conditions, cosmetic procedures, breeding costs, etc. 

Even though Embrace only offers one pet insurance policy it is fairly extensive and offers pet parents plenty of coverage. It is great for pet owners wanting coverage in case their pet gets sick or sustains an injury. However, getting complete coverage will require pet owners to purchase Embrace’s wellness plan—which will cover routine care costs. 

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10 Reviews

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Michael Burolla Santa Maria, CA

What can I say except, ABSOLUTELY EXCEPTIONAL CUSTOMER SERVICE!! My dog tore a ligament in his knee and I thought oh boy I’ll bet the insurance company isn’t gonna like this. I went ahead with the Surgery anyway and eight days later embrace had a check in my mailbox. I mean I’m sorry I had to use it but, I’m happy I had Embrace when I did!!!

4 years ago

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Sue Merced, CA

I would have given 5 stars.. but the wait on someone to answer was over 30 minutes times 2. Word of advice..make sure you have your spouse on the policy. My husband called to cancel as our Great Dane had to be euthanized due to an unrecoverable condition and after spending 30 plus minutes on the phone waiting to have someone pick up...they refused to speak to him as he was not on the policy....I was under the impression that he was....lesson learned. The representative I spoke with to cancel the policy was very pleasant and helpful...thank you for that. I believe embrace is one of the best pet insurance companies on the market and will continue to have my other 4 on policies with them. The only thing I would suggest other than shorter wait time in answering the phone is to have a policy that covered reproductive issues. Thank you embrace hoping the next review will be 5 star

4 years ago

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Laura Tampa, FL

We have had up to four dogs insured with Embrace at any given time. Embrace offers very competitive rates and we have been with them since 2014. They have always processed claims in a timely manner and we receive reimbursement via direct deposit very quickly. When I do call Embrace, their customer service agents are highly professional and very helpful at all times.

4 years ago

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Lauren Woodland Hills, CA

Embrace has been a wonderful pet insurance company to deal with and the customer service is kind, compassionate and very efficient. Thank you for great customer service that is so unusual to find in modern day times.

4 years ago


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Hailey Nilson Salt Lake City, UT

Embrace has been a lifesaver for me. My dog had a very expensive dental problem, and they worked with me and covered it. The customer service is fantastic.

5 years ago

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Mera ,

The service is top reliable and If anyone ever asked me about an advice on it, I'd say they should go for it.

3 years ago

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Louise Chadborne Oxford, MA

Love Embrace they are so kind and they have assisted me through all the years and they have speedy process for claims

4 years ago Edited September 14, 2021

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Donald Houser Clayton, NC

The staff at Embrace are friendly, informative and responsive.

4 years ago


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Lea Fiscella Clermont, FL

They are not very clear about their policies when purchasing plans but are very helpful when trying to cancel.

2 years ago

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Elaine Thousand Oaks, CA

Professional, efficient. Would highly recommend

4 years ago