Embrace Pet Insurance: What to Know in 2025
When it comes to protecting your furry friend’s health, pet insurance can be a game-changer. But with so many options, choosing the right plan can be overwhelming. This review dives into Embrace pet insurance, evaluating its coverage options, costs, and overall value to help you make an informed decision.
As part of the evaluation process, we assessed key aspects of pet insurance plans, including costs, the ability to pay vets directly, the availability of a 24/7 vet health line, and the availability of wellness plans. Forbes Advisor’s editorial content is not influenced by advertisers. Our evaluations are based on data-driven methodologies to ensure that all companies are assessed fairly. You can learn more about our editorial guidelines and methodology for ratings below.
- 34 coverage categories evaluated
- 900,224 pet insurance rates crunched
- 2,600 U.S. pet owners surveyed
- 108 years of insurance experience on the editorial team
Embrace’s Coverage Options
Embrace offers two primary types of pet insurance plans: an accident and illness plan, and an accident-only plan. They also offer an optional wellness plan.
Accident and Illness Insurance
This comprehensive plan covers a wide range of issues, including:
- Accidents: Broken bones, bite wounds, broken teeth, injuries from being hit by a vehicle, and ingested foreign objects.
- Illnesses: Allergies, cancer, diabetes, skin infections, and congenital and genetic conditions like hip dysplasia and intervertebral disc disease.
- Hospitalizations: Emergency care and surgeries, including anesthesia, rehabilitation services, and vet/technician time.
- Specialist Care: Veterinarians, oncologists, behaviorists, and internal medicine experts. This can also encompass alternative therapies and rehabilitation, such as acupuncture or laser therapy.
- Prescription Medication: Prescription medicine for an issue covered by your policy, such as a skin infection. It may also include prescription food if your vet prescribes it due to an issue covered by your policy, like digestive problems.
- Diagnostics: Tests like blood tests, X-rays, MRIs, and CAT scans.
Accident-Only Insurance
This more basic policy covers injuries from incidents like being hit by a vehicle, swallowing foreign objects, and torn cruciate ligaments. However, it won’t cover common illnesses like ear infections or vomiting. It is important to note that this type of policy includes a smaller amount of coverage.
Optional Wellness Rewards Plan
Embrace offers a Wellness Rewards plan, which differs from the insurance plans, as it is a reimbursement plan for qualifying preventative care costs. This plan can help you save money on routine care throughout a 12-month span. You select a reimbursement level of $250, $450, or $650 per year, and you’re charged a monthly fee. This offers savings on preventative health care costs. Preventative care services eligible for reimbursement include:
- Wellness exam fees
- Vaccinations
- Microchipping
- Flea, tick, and heartworm preventatives
- Nutritional supplements
- Spay/neuter surgery
- Fecal and routine blood tests
- Grooming (including nail trimming)
- Medicated shampoos
- Routine anal gland expression
- Gastropexy
- Preventative teeth cleaning
- Prescription diet food
- Training
- Hip dysplasia exams, radiographs, or other OFA testing
- Routine chiropractic care
- Reiki, massage therapy, and acupuncture
- Wearable pet activity monitors
- Cremation or burial
What Embrace Doesn’t Cover
It’s essential to know what’s not covered by Embrace. Here are some exclusions:
- Pre-existing conditions
- Breeding, pregnancy, and whelping
- DNA testing or cloning
- Cosmetic procedures (unless medically necessary)
- Injuries caused deliberately by you or a member of your household
- Injuries or illnesses caused by fighting, racing, cruelty, or neglect
- Avian flu or nuclear war
Coverage Levels and Options
Embrace offers various coverage levels and deductible options to customize your plan:
Maximum Annual Limit
- Embrace offers the following annual coverage limits: $5,000, $8,000, $10,000, $15,000 or unlimited.
Deductible Options
- Embrace offers these deductible options: $100, $250, $500, $750, and $1,000.
Reimbursement Options
- You can choose from reimbursement levels of 70%, 80%, or 90%.
Waiting Periods and Age Restrictions
Embrace has specific waiting periods before coverage kicks in:
- Accident coverage starts at 12:01 a.m. ET the day after you buy your plan.
- There’s a 14-day waiting period for illnesses.
- There’s a six-month waiting period for canine orthopedic conditions.
However, the six-month waiting period for canine orthopedic conditions can be reduced to just 14 days if you complete an orthopedic exam and waiver process. The orthopedic exam must be completed within the first 14 days of your pet insurance policy. If not, the waiting period will be reduced to the day of your dog’s orthopedic exam.
You can enroll dogs and cats in Embrace’s accident and illness plan up to age 15. After age 15, they’re only eligible for the accident-only plan.
Cost of Embrace Pet Insurance
According to Forbes Advisor’s analysis, Embrace pet insurance averages around $52 per month for a dog and $42 per month for a cat. This is based on $5,000 of annual coverage, a $250 deductible, and an 80% reimbursement level. The average cost for unlimited coverage, a $250 deductible, and an 80% reimbursement level is $75 per month for a dog and $63 per month for a cat. Pricing can vary based on a number of factors, including your pet’s breed and age.
Embrace Price Comparison for Dogs
Source: Forbes Advisor research. Costs are based on unlimited annual coverage with a $250 deductible and 80% reimbursement level.
Embrace Price Comparison for Cats
Source: Forbes Advisor research. Costs are based on unlimited annual coverage with a $250 deductible and 80% reimbursement level.
Embrace vs. Competitors
Here’s a comparison of Embrace to some of its main competitors:
Embrace vs. Pets Best
Details may vary by state.
Embrace vs. Chewy
Details may vary by state.
Embrace vs. Figo
Details may vary by state.
Embrace Pet Insurance: The Bottom Line
Embrace demonstrates a positive reputation within the pet insurance industry, with a 4.2/5 star rating from Forbes Advisor. Embrace customers benefit from several coverage advantages. Many customers appreciate that Embrace policies feature a “diminishing deductible,” reducing the deductible each year without a claim. Access to a 24/7 pet telehealth service and the option to add a wellness plan are also valuable.
Other Important Information
- Does Embrace pet insurance work with any vet? Yes, Embrace allows you to submit claims for care from any licensed veterinarian, including specialists and emergency hospitals.
- Can I add multiple pets to my Embrace pet insurance policy? Yes, Embrace provides multi-pet insurance, where you can manage each pet’s policy from a single account. A 10% discount is available for insuring more than one cat or dog.
- Does Embrace pet insurance cover dental care? Yes, dental accidents and illnesses are covered. Teeth cleaning is covered with the Wellness Rewards plan.
- Does Embrace pet insurance cover spaying and neutering? This is covered under the optional wellness plan from Embrace.
- How can I reach Embrace’s customer service? You can reach customer care by calling (855) 540-2104 Monday through Friday from 9 a.m. to 8 p.m. ET and Saturday from 10 a.m. to 2 p.m. ET.
- How do I cancel Embrace pet insurance? To cancel, contact Embrace: Phone: (800) 511-9172, Email: [email protected]
Disclaimer: Note that insurance policy details and coverage can change. Always review your policy documents carefully for the most up-to-date information.
