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Embrace Review

Embrace makes it easy for customers to customize their policies by letting them choose the level of coverage they want and how much they want to pay in the event of an emergency. Note the options available to older pets are rather limited. Get Quotes

Updated: May 21, 2014

The Good

Easy to customize policy:

Embrace enables you to customize your policy by selecting from a number of deductible and copay options. Copays vary anywhere from 10% to 35% of the vet bills, and deductibles can be anywhere from $100 to $1,000 in $100 increments. Having these options gives you the chance to tailor your Embrace pet insurance policy to suit your needs. For example, if you want good coverage but don't want an expensive bill every month, you're probably better off selecting a higher deductible and copay. On the flip side, if you want your insurance to cover most of the costs in the event of an emergency, you'll want to choose lower amounts.

Streamlined quote process:

Getting a quote from Embrace pet insurance is simple and can be completed within a matter of minutes. You start by entering some basic information about your pet, like their name, species, breed, sex, and date of birth. Embrace also asks you a few questions to determine what discounts you may qualify for. From there, you select the level of coverage you want and add more pets to the policy if you need to. You then fill out a section about your own personal and payment information and you're all set. At any time in the process, you can save your quote if you're not quite ready to make a purchase. If you have any questions about your quote, you can contact Embrace and their representatives will walk you through it.

Wellness and routine care coverage:

Though not included with any of Embrace's standard pet insurance policies, you can add on one of two wellness rewards packages to your plan to cover routine and preventative treatments. This costs an additional monthly fee and covers things like vaccines, dental care, blood tests, prescription diet food, and more. When you add one of these packages to your policy, you receive a yearly monetary allowance that can be put toward these treatments. You don't have to pay a deductible or copay for any wellness or routine care procedures, and there's also no waiting period for using these benefits.

Good selection of discounts:

Embrace gives you a variety of ways to save on your pet insurance policy, including a 5% discount just for paying annually. Insuring two or more pets on your policy is worth another 5% off, as is having your pet spayed or neutered. Note that if you get this procedure done after you enroll, this discount can be applied after your policy has gone into effect. Embrace also offers savings to military members and partner organizations. If your business offers Embrace, you may be eligible for a workplace discount on your pet insurance premiums as well. Few pet insurance companies offer this many savings to their customers, so it's worth getting a quote from Embrace to see how much you can knock off your premium.

The Bad

Low limits on illness coverage:

If you own a purebred dog or cat, they will not be eligible for illness coverage from Embrace unless they're enrolled before the ages of 6 and 8, respectively. Mixed-breed dogs and cats fare a little better, with dogs eligible for enrollment up to age 8 and cats to age 10. This won't be an issue if you're insuring a younger pet, but if you're looking for more comprehensive coverage for your older cat or dog, a company like Healthy Paws is probably a better choice.

Medications not included in standard coverage:

Embrace pet insurance does offer coverage for prescription medications, but it costs extra. Almost all other pet insurance providers include this as part of the standard medical coverage and don't require you to pay an additional fee. If you don't feel that medication coverage is a necessity, however, Embrace pet insurance may still be the right fit for you.

Claims must be submitted by fax or mail:

Embrace does attempt to make the claims process easier by letting you download and print out your claims forms but, in order to submit them, you have to fax them or use standard mail. There is no way to email your claim, which would be a much faster method of delivery. This is a fairly minor criticism, but it's still something to be aware of when selecting a pet insurance provider.

The Details

Co-Payment 10-35%
Deductible $100 - $1,000
Maximum Age of Pet to Be Insured Unlimited
Maximum Annual Benefit $5,000 - $15,000
Maximum Benefit Per Incident Unlimited


Medical Coverage

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  • Accidents - The insurance provider covers treatment needed as a result of an accident.
  • Cancer Treatments - The insurance provider covers cancer treatments for your pet.
  • Choose Your Vet - The insurance provider allows you to take your pet to any licensed veterinarian for treatment.
  • Chronic Conditions - The insurance provider covers chronic conditions, such as diabetes.
  • Congenital Conditions - The insurance provider covers congenital conditions.
  • Emergency Visits - The insurance provider covers emergency visits for your pet.
  • Hereditary Conditions - The insurance provider covers hereditary conditions.
  • Holistic Treatments - The insurance provider covers acupuncture, chiropractic, or other holistic treatment options.
  • Hospitalization - The insurance provider covers your pet's hospitalization.
  • Illness - The insurance provider covers a variety of pet illnesses.
  • Imaging - The insurance provider covers MRIs, X-rays, CT scans, and other imaging treatments.
  • Lab Tests - The insurance provider covers lab tests for your pet.
  • Medications - The insurance provider covers medication for your pet.
  • Rehabilitation - The insurance provider covers rehabilitation services for your pet.
  • Surgery - The insurance provider covers certain surgeries for your pet.
  • Pre-Existing Conditions - The insurance provider covers pre-existing conditions.

Pets Covered

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Claim Management

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Getting Started

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Wellness Coverage

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Additional Coverage

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Learning Materials

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