Overview

Appreciated by customers for a wide range of coverage options available under one standard plan, Embrace boasted a 92% payout rate for claims in 2021. It offers a 24/7 helpline plus an easy-to-use app which lets you submit claims quickly. It also offers a diminishing deductible which reduces by $50 for each year you do not make a claim. As an added bonus, $2 of every single new policy is donated to an animal charity.

Table of contents

Our Embrace rating

Overall score

4.4
star star star star star

Speed of claims

4.0
star star star star star

Customer service

4.0
star star star star star

Claims procedure

4.0
star star star star star

Easy to understand

5.0
star star star star star

Value for money

5.0
star star star star star

Pros & Cons of Embrace pet insurance

  • Two-day waiting period for accident cover
  • 24/7 pet telehealth line
  • Covers the vet visit fee for illness and accidents
  • Deductible reduces by $50 every year without a claim paid
  • Six-month waiting period for orthopedic conditions

How does Embrace pet insurance work?

You can submit a quick and easy claim via the Embrace website or mobile app when you create a ‘MyEmbrace’ account. This is where you can access your policy details, keep track of your claims, and manage your Wellness Rewards. Wellness Rewards is a non-insurance benefit which reimburses you for routine veterinary, training, and grooming costs.

The benefits of Embrace pet insurance

Embrace is well rated for its benefits, but perhaps the most notable is the $50 you’ll receive off your deductible for every year you have not made a claim. Your pet will still be fully covered by the plan you’ve chosen, but the diminishing deductible will make that insurance premium a little more bearable. The 24/7 PawSupport helpline is also a reassuring touch, providing advice or emergency care when you need it.

Embrace plans explained

Embrace offers a single, comprehensive plan which covers both illness and accidents. Plans cover a wide range of issues including specialist care, surgeries, chronic illnesses, and breed-specific or congenital conditions. You can customize your annual deductible, annual maximum payout, and reimbursement package. Plus, the Embrace Wellness Rewards scheme is an optional extra which covers everyday care such as grooming, vaccinations, prescriptions, and training.

What does Embrace pet insurance cover?

Pet insurance can be the hero of the hour when your pet has an accident or ongoing illness. Embrace plans will reimburse a direct percentage of your vet bill which could mean receiving up to 90% back on those unexpected vet bills. Embrace also covers congenital conditions, vet visit fees, medical tests and much more.

Embrace coverage vs. other insurers

How does Embrace stack up against America’s other providers? Have a look at our handy table!
Scroll to compare
EmbraceLemonadeManyPetsFigoHealthyPetsASPCASpotTrupanionFetchPumpkinWagmoNationwideMetLife
Annual coverage options$5,000, $8,000, $10,000, $15,000, $30,000$5000, $10,000, $20,000, $50,000, $100,000Unlimited$5,000, $10,000, Unlimited Unlimited$5,000, Unlimited $3,000, $4,000, $5,000, $7,000, $10,000$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited Unlimited $5,000, $10,000, $15,000$10,000, $20,000, Unlimited $20,000$10,000$2,000, $5,000, $10,000
Deductible options$200, $300, $500, $750, $1,000$100, $250, $500$100, $250, $500, $750$250, $500, $750, $1,000$100, $250, $500, $750, $1,000$50, $100, $200, $250, $500, $1,000$100, $250, $500$100, $250, $500, $750, $1,000$0-$1,000$300, $500, $700$100, $250, $500$250, $500, $1,000$250$50, $100, $250, $500
Reimbursement options70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%, 100%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%90%70%, 80%, 90%90%90%, 100%50%, 70%70%, 80%, 90%
When does coverage start?2-14 days 2-14 days15 days1-14 days15 days3-14 days 15 days15 days 5-30 days15 days14 days 15 days14 days1-14 days
Maximum age at sign up14 years for illness, no max for accident14 years14 yearsNo maximum13 yearsNo maximum18 yearsNo maximum 14 yearsNo maximum No maximum 16 years20 yearsNo maximum
Are vet exam fees included at no extra cost?
Are dental accidents covered?
Are dental illnesses covered?
Is there a wellness plan offered?
Is there a virtual vet/telehealth service?
End of life coverage
Is there a multi-pet discount offered?
Is there a charge for paying monthly?
Is there an app to make claims?

*Coverage is based on choosing unlimited coverage, $250 deductible and 90% reimbursement

Is Embrace pet insurance good value for money?

Reviews show that people are happy with the wide amount covered by Embrace pet plans versus the premium costs and benefits such as the diminishing deductible policy. There is also a 5% military discount available and up to a 10% multi-pet discount.

4-month-old
 Mixed Breed Medium 2-year-old 
Golden Retriever 6-year-old Domestic Shorthair Cat
Los Angeles New York Florida
Embrace $31.37/month $42.58/month $23.96/month
ManyPets $35.14/month $39.69/month $37.61/month
Fetch $48.02/month $35.78/month $24.81/month
Healthy Paws $50.53/month $55.42/month $44.27/month

How good is Embrace’s customer service?

Embrace generally has a good satisfaction rate for its customer service among our reviewers, who mention the convenience of having a 24/7 helpline and a snappy two-day waiting period for accident coverage.

How do I contact Embrace?

The general email for Embrace is hello@embracepetinsurance.com but you can also email claims questions to askclaims@embracepetinsurance.com. For policy quotes call (800) 779-1539, for support call (800). You can also use the chat function on the website or your Embrace app. Connect with the Facebook, Instagram, and LinkedIn accounts to find up-to-date information and message Embrace directly. Lastly, the postal address for Embrace is P.O. Box 22188, Beachwood, OH 44122-0188.

What is Embrace’s claims process?

Submit a claim with a MyEmbrace account through the website or the app. Reviewers seem to be happy with the simplicity and speed of this process. Just upload a photo of your invoice and receive your reimbursement by check (arriving in the post in up to 10 days) or by direct deposit (reaching your bank account within 1-2 business days).

How much will Embrace pay for my claim?

Embrace pays up to 90% of vet bills, reimbursing a direct percentage of your claim minus the deductible and co-pay on your policy.
Average Vet Bill Cash back w/ 70% Cash back w/ 80% Cash back w/ 90% Difference between 70% & 90%
Cancer $8,137 $5,695.90 $6,509.60 $7,323.30 $1,627.40
Diabetes $2,892 $2,024.40 $2,313.60 $2,602.80 $578.40
Tumour Surgery $1,570 $1,099.00 $1,256.00 $1,413.00 $314.00
Inflammatory Glands $1,035 $724.50 $828.00 $931.50 $207.00

Are there any exclusions?

Embrace covers pretty much everything with its comprehensive plan but as with many pet insurers, pre-existing conditions are not covered. However, if your pet has a curable pre-existing condition, Embrace may cover this if your pet has no symptoms for 12 months – subject to a medical history check. There are other standard things which are excluded from Embrace’s cover including cosmetic procedures, avian flu, and DNA testing. Vaccines, microchipping, training, and neutering are also excluded from the standard plan but can be covered with a Wellness Rewards add-on. Dogs aged over 15 years old are limited to an accident-only plan unless they were enrolled onto an accident and illness plan before their 15th birthday.

What are the waiting periods for conditions?

Two days for accidents – which is very speedy – 14 days for illnesses, and six months for orthopedic conditions, which can be reduced through the orthopedic Exam & Waiver Process. You can double-check your waiting period by logging into your MyEmbrace account, selecting ‘Pet Claims + Info’ under your pet’s photo and scrolling down to the waiting period section.

How quickly does Embrace pay claims?

When you get paid depends on which method you choose. You can opt to receive a check in the post, which takes up to 10 days, or if you choose direct deposit as your payment method, the claim can reach your bank account in 1-2 business days.

Can I customize my Embrace plan?

Yes, Embrace has an optional Wellness Plan which is available to add to an existing insurance policy. Just pick your reimbursement level and pay a small monthly fee to claim against everyday welfare such as microchipping, wellness exam fees, vaccinations, grooming and training. These services are not included in the standard plan.

State availability for Embrace

Embrace offers pet insurance across all 50 states and DC, and you can take your pet to any licensed veterinary practice in the country.

Verdict: Is Embrace pet insurance good?

The reviews we’ve looked at are pretty good and rate the all-round services of Embrace highly. We’d say the insurer is trustworthy enough to cover your beloved pets. Its plans are affordable and provide good value money across all states. Plus, the cover is comprehensive and includes things like congenital conditions which other insurers may not cover.

Our Embrace rating

Overall score

4.4
star star star star star

Speed of claims

4.0
star star star star star

Customer service

4.0
star star star star star

Claims procedure

4.0
star star star star star

Easy to understand

5.0
star star star star star

Value for money

5.0
star star star star star

Hans Seeberg

Editor

Hans is a writer and Editor with over 25 years of experience, and as Petted.com’s Head of Brand he passionately believes in the benefits of pet insurance. He is the pet parent of a Cockapoo named Stacey.