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Embrace Pet Insurance for Dog & Cat

Embrace Pet Insurance offers accident and illness coverage for dogs and cats in the United States and Canada. Founded in 2015, Embrace has quickly gained a reputation for being one of the most affordable and easy-to-use pet insurance companies.

Embrace Pet Insurance Details

    • Why Our Users Picked It:

      Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.

      Pros & Cons:

      • Easy to submit claims
      • Fast payments
      • Great customer service
      • Diminishing deductible of $50 for every year a claim is not filed
      • Accident coverage only requires a 2-day waiting period
      • Limited range of options for annual coverage and deductibles
      • Limited coverage for alternative treatments

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury $10,000 limit
      • Hospitalization $10,000 limit
      • Rehabilitation $10,000 limit
      • Continual Care $10,000 limit
      • Emergency Visits $10,000 limit
      • Surgery $10,000 limit
      • Dental Trauma $10,000 limit
      • Foreign Object Ingestion $10,000 limit
      • Congenital or Hereditary Conditions $10,000 limit
      • Cancer Treatments $10,000 limit
      • Dietary Supplements As part of our wellness plan - $250 limit
      • End of Life: Burial and Cremation $250 limit
      • Illness $10,000 limit
      • Specialists $10,000 limit
      • Prosthetics $10,000 limit
      • End of Life: Euthanasia $10,000 limit
      • Prescription Drugs $10,000 limit
      • Outpatient Care $10,000 limit
      • Bilateral Conditions $10,000 limit - There is a bilateral exclusion on pre-existings. If one side is pre-existing, then so is the other side.
      • Travel Coverage $10,000 limit - Accidents and Illnesses while travelling abroad would be covered. Travel related expenses and travel interruption are not.
      • Vet Exam Fees $10,000 limit
      • Medical Imaging $10,000 limit
      • Organ Transplants $10,000 limit
      • Wellness Cover $250 limit
      • Lab Tests $10,000 limit
      • Behavioral Treatments $10,000 limit - Must be performed by a licensed vet

      Plan Summary

      Embrace Pet Insurance is a top-rated pet health insurance provider for dogs and cats in the United States. Embrace offers one simple yet comprehensive accident and illness insurance plan and every policy comes standard with the industry’s only diminishing deductible feature, the Healthy Pet Deductible. Embrace also offers Wellness Rewards, an optional preventative care product that is unique to the market. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more with no itemized limitations. Embrace continues to innovate and improve the pet insurance experience for pet parents across the country with personalized plans, dependable claims payments, and the MyEmbrace online customer portal.

    Most popular dog breeds insured by Embrace Pet Insurance

    Here are the top 10 dog breeds covered by Embrace insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $48.44
    Golden Retriever $58.81
    Doberman Pinscher $157.49
    Pomeranian $35.66
    Chihuahua $30.83
    Yorkshire Terrier $43.03
    Shih Tzu $50.92
    German Shepherd $59.74
    French Bulldog $100.47
    American Bully $62.73
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Embrace Pet Insurance

    Here are the top 10 cat breeds covered by Embrace insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Domestic Short Hair $37.42
    Tabby $14.47
    American Shorthair $41.62
    Ragdoll $39.81
    Bengal $34.08
    Sphynx $32.27
    Siamese $26.51
    Russian Blue $27.42
    Domestic Medium Hair $15.85
    Domestic Long Hair $22.58
    Data source date 60 days, cost based on user selected average
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    Compare With Other Top Pet Insurance Providers

    • Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
    • Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
    • Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
    • Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.
    • Our users have raved about how easy it is to submit claims through Prudent Pet. Some have also left great reviews highlighting Prudent Pet’s direct deposit of reimbursement payments. Great customer service seems to be another main theme with this provider.
    • Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.
    • Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
    • Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • Learn more about Pet Assure’s discount plan and read customer reviews so you can make an informed choice about how you cover veterinarian care costs.
    • Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

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    Embrace Pet Insurance FAQ?

    • Does Embrace pet insurance have age limits for eligibility?

      Yes, you may enroll dogs and cats up to the age of 14 for their full Accident & Illness policy. Pets 15 years and older are eligible for an Accident-Only plan. Having said that, once your fur baby is enrolled, their coverage is for life, no matter how old they get.

    • Does Embrace cover behavioral treatments?

      As long as this therapy is recommended by your vet, Embrace does cover part of the cost for behavioral therapy.

    • What are the waiting periods of Embrace?

      Embrace has a 14-day waiting period for illness coverage and a 2-day waiting period for accident coverage.
      We’ll also mention that there is a 6-month waiting period for dogs only for orthopedic issues related to joints, bones and ligaments.

    • Am I able to purchase the Embrace Wellness Rewards without an insurance policy?

      No, currently Wellness Rewards are not available as a standalone purchase. If you are looking for preventative and wellness coverage, you can easily add this on.

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