Embrace Pet Insurance Review (2021 Review)

Embrace Pet Insurance Review

Embrace Pet Insurance Review (2021)
Best For:
People who want nose-to-tail coverage
Cancer medication coverage
Dental care
Healthy Pet Deductible
Strict pre-existing condition exclusions
Annual maximums

About Embrace

Embrace was founded in 2003 out of a Wharton Business School project and has helped over 100,000 pets and has consistently become one of Ohio’s best places to work. For every policy sold by Embrace, they donate $2 to a pet-related charity. They also have an employee match program where they match 100% of all charitable donations made by employees. Embrace has been partnered with American Modern Insurance Group since 2012, an AM Best A+ Superior rated insurance carrier for their underwriting.

Embrace also writes policies for GEICO Insurance and they work with many companies to offer pet insurance as part of the benefits package.

Embrace also offers a multi-pet discount of 10%, an Armed Forces discount of 5%, ACH discounts, spay/neuter discounts and a discount if you pay annually opposed to monthly, depending on what is available in your state.


Dogs, Cats

Waiting Periods:

Illnesses: 14 days
Accidents: 48 hours

Orthopedic Conditions: 6 months (for dogs only and can be reduced to 14 days with a comprehensive orthopedic exam after enrolling in the plan by following their Orthopedic Exam and Waiver Process). Waiting periods are in place to keep premiums down for everyone and to encourage pet owners to enroll healthy pets in pet insurance policies and not wait until their pet is sick or injured.

Required Vet Visit

All enrollees into a new Embrace Pet Insurance plan must have a vet visit on record in the 12-month period prior to signing up. If your pet hasn’t visited the vet, they must do so within the first 14 days of your pet’s policy. The exam must be diagnostic and medical in nature and performed by a licensed veterinarian, so spay/neuter clinics may not be applicable.

Plan Coverage

Embrace has what they call nose-to-tail insurance coverage. No matter how you customize your plan, you can enjoy coverage for breed-specific and genetic conditions, just not pre-existing conditions which are defined as any illness, injury or irregularity noticed by your veterinarian before your waiting period is over. If you are worried your pet has a condition that may not be covered, you can always enroll your pet and then request a Medical History Review, where the Embrace team will review your file and let you know if anything is considered preexisting. In that case, you can choose to cancel your policy with no penalty within 30 days.

Embrace Pet Insurance has no networks and allows you to use any licensed veterinarian. Their Accident and Illness coverage covers chronic conditions (like allergies), congenital conditions, exam fees, genetic conditions, dental trauma and exam fees. They also cover procedures such as allergy testing, ultrasounds, X-rays, MRIs, CT scans, emergency care, surgery, lab tests, biopsies, hydrotherapy and more. Embrace also claims to reassess for curable condition coverage if your pet remains symptom-free for 12 months. We like that!

We did a sample quote for a mixed-breed dog, medium size, four-year-old male. With a $10,000 annual limit, a $500 deductible and 80% reimbursement, the pup would cost roughly $36.07 a month. Our quote was done with a Beverly Hills zip code, so it’s likely yours will be cheaper depending on where you live. If you add on Wellness care at $450 a year, you can expect to pay about $30-$35 more per month. This is still a great savings if you take advantage of the Wellness option. If you are not going to use it, it might be best if you pay out of pocket for well visits, otherwise, they go to waste.

Healthy Pet Deductible

The Healthy Pet Deductible is something you may see more commonly in car insurance than in pet insurance. In fact, Embrace is the only company we know of that does this. For each year you have pet insurance, if your pet has no claims for accidents and illnesses, you get a $50 credit to go toward your deductible. This means if you have a $200 deductible you will only need to spend $150 for an accident or illness in the next year.


Embrace does cover prescriptions for take-home medications if the medication is FDA-approved and Homeopathic Pharmacopoeia-included (the condition must be a covered condition). These could include: antibiotics, allergy medication, insulin, steroids, ear and eye drops, oral chemotherapy and more. Prescription food and preventatives like flea, heartworm and tick medications are reimbursable through the Wellness Rewards plan.

Embrace Wellness Rewards

Embrace offers a flexible preventative care plan that reimburses for everyday veterinary, training and grooming expenses.  You can choose a plan for $250, $450 or $650 per year. These funds work like a health savings accounts for your dog or cat, and can be used for wellness exams, vaccinations, flea and tick meds, heartworm meds, spay and neuter, fecal & other routine blood tests, microchipping, umbilical hernia repair, grooming, medicated shampoos, toenail trimming, routine anal gland expression, pet activity monitors, end of life care, gastropexy, nutritional supplements, behavioral training, routine chiropractic care, Reiki, massage therapy, acupuncture, anesthetic teeth cleaning, prescription diet food purchased at vet, OFA & PennHIP exams/X-rays.


Pets must be younger than 14 years of age to enroll in full accident and illness coverage. Pets over age 14 may enroll in accident only coverage. Pets are only eligible for Accident coverage if they show signs of diabetes, Cushing’s disease, Addison’s disease, or FeLV/FIV. There are no lifetime limits, only the annual limit you select, and once your pet is enrolled with Embrace, they will never be kicked off due to age. Annual limits with Embrace are as follows:

Annual limit options $5,000, $8,000, $10,000, $15,000 and $30,000


A deductible is the part of the vet bill you are responsible for before the insurance company will reimburse you. Embrace allows you to customize your plan a great deal, and you will be given various options for a dog or cat, depending on age. They do have annual maximums going up to $30,000, and other choices from $5,000, $8,000, $10,000 and $15,000. You can select deductibles of $200, $300, $500, $750 or $1000, reimbursements of 70 – 90%, and opt in for optional Wellness Rewards to figure out a monthly rate you are comfortable with.

The higher your deductible, the lower your monthly payment, but you will be responsible for more money out of pocket if something happens to your pet. Also, if you ever want to change your deductible or anything about your policy, you will need to get re-certified, meaning anything that you have filed a claim on will now be considered a pre-existing condition. Keep this in mind when you sign up and try to get the best policy you can afford.


You can submit your claims at any time during your policy term, and up to 60 days into your next policy’s start. For any accident or illness, please have a staff member from your veterinarian fill out the claim form. You will need to send in your claim form and an invoice showing you paid for treatment and you can do this via email, fax, or direct upload to your Embrace account.

From there, Embrace runs a paperless operation, so you can set up direct deposit for your reimbursement and submit all claims through an online portal. Of course, you can still do this the old-fashioned way by sending in your claim form to their address and getting a check mailed to you.

Claims for wellness typically take 5 business days to process, while claims for accidents and illnesses can take 10-15 business days after everything has been received.


If your vet wants to run a particular course of treatment that might be costly and you want to make absolutely certain it will be covered, then you can opt to have your claim pre-certified. You’ll have to download a pre-certification form and attach a copy of the clinic estimate. Pre-certifications take about five business days to complete.

Pet insurance companies modify their offerings all the time so be sure to read the fine print to ensure you are getting what you need. Embrace recommends getting the highest policy you think you’ll need. You can downgrade at any time, but in order to get a larger policy with more coverage you’ll have to get completely re-certified, which could make any ailment a pre-existing condition, voiding coverage for that item.