Embrace Pet Insurance Review of 2024

Embrace Pet Insurance is one of the leading providers in the pet insurance industry, known for its comprehensive coverage options and exceptional customer service. Founded in 2003, Embrace has earned a solid reputation for offering customizable plans, wellness rewards, and a unique approach to pet insurance that caters to the diverse needs of pet owners. This review will explore the various aspects of Embrace Pet Insurance, including its coverage options, pricing, customer experience, and overall value, helping you decide if it's the right choice for your furry friends.

Company Background

Embrace Pet Insurance was founded by Laura Bennett and Alex Krooglik, who saw a need for better pet insurance options in the market. Since its inception, Embrace has been committed to providing comprehensive and flexible pet insurance plans that offer robust coverage for accidents, illnesses, and preventive care. The company is headquartered in Cleveland, Ohio, and has garnered numerous accolades for its customer-centric approach and innovative insurance solutions.

Embrace operates on a straightforward model that focuses on transparency, customer service, and providing maximum value to policyholders. The company’s mission is to improve the well-being of pets and their owners by offering reliable and comprehensive insurance plans that cover a wide range of medical needs.

Coverage Options

Embrace Pet Insurance offers a variety of coverage options designed to meet the diverse needs of pet owners. Their plans cover both accidents and illnesses, with the option to add wellness rewards for routine care. Here’s a breakdown of what’s included:

Accident and Illness Coverage

Embrace’s base plan covers a comprehensive range of conditions and incidents, including:

  • Accidents: Such as broken bones, poisoning, cuts, and sprains.
  • Illnesses: Including chronic conditions, infections, cancer, and more.
  • Diagnostic Tests: Such as X-rays, blood tests, and MRIs.
  • Procedures and Surgeries: Covering necessary surgeries and treatments.
  • Hospitalization: Inpatient care for covered conditions.
  • Medications: Prescribed treatments for covered conditions.
  • Alternative Therapies: Including chiropractic care, acupuncture, and physical therapy.

This extensive coverage ensures that your pet is protected against a broad spectrum of potential health issues, providing peace of mind that you won’t face overwhelming veterinary bills in an emergency.

Wellness Rewards (Optional)

Embrace offers an optional Wellness Rewards program that covers routine and preventive care, including:

  • Annual Checkups: Regular veterinary visits.
  • Vaccinations: Routine vaccinations and boosters.
  • Flea, Tick, and Heartworm Prevention: Preventative treatments.
  • Dental Cleanings: Coverage for annual dental checkups.
  • Spaying/Neutering: Procedures for pets if needed.
  • Grooming and Training: Costs associated with grooming and behavioral training.

The Wellness Rewards program is particularly beneficial for pet owners who want to ensure their pets receive comprehensive preventive care. Regular checkups and vaccinations can catch potential health issues early, leading to better long-term health outcomes for your pet.


Embrace Pet Insurance offers flexible pricing options, allowing pet owners to customize their plans based on their needs and budget. The cost of a policy can vary based on factors such as the age, breed, and health of your pet, as well as your location. Here’s a general overview of their pricing structure:

Base Plan

  • Monthly Premiums: Starting around $13 per month, depending on the specifics of your pet and the coverage selected.
  • Deductibles: Options range from $200 to $1,000 per year.
  • Reimbursement Levels: Choose between 70%, 80%, or 90% reimbursement for covered expenses.
  • Annual Coverage Limits: Flexible options starting from $5,000 to unlimited.

Wellness Rewards

  • Additional Cost: The Wellness Rewards program is available at three levels: $250, $450, and $650 per year, allowing you to choose the level of coverage that best fits your needs.

Value for Money

Embrace’s pricing is competitive, especially considering the comprehensive coverage offered. The ability to customize deductibles, reimbursement levels, and annual limits allows pet owners to tailor their plans to fit their budgets and needs. The Wellness Rewards program adds further value, helping to offset the costs of routine and preventive care.

Customer Experience

Embrace Pet Insurance is renowned for its excellent customer service and user-friendly experience. The company’s commitment to transparency and customer satisfaction is evident in its high customer service ratings and positive reviews.

Ease of Use

Embrace offers a straightforward and intuitive process for managing policies, submitting claims, and tracking their status. The company provides an online portal and a mobile app, making it easy for pet owners to access their account information, upload documents, and receive real-time updates on their claims.

Customer Service

Embrace is known for its responsive and helpful customer service. Their team is available via phone, email, and chat to assist with any questions or issues. Customers often highlight the professionalism and friendliness of Embrace's support staff in their reviews.

Customer Testimonials and Reviews

Positive Feedback: Many customers praise Embrace for its comprehensive coverage, straightforward claims process, and exceptional customer service. The company’s flexibility in plan customization and the added value of the Wellness Rewards program are frequently mentioned as significant positives.

Areas for Improvement: Some customers have noted that the cost of premiums can increase as pets age. Additionally, as with many pet insurance providers, there may be exclusions for pre-existing conditions.

Performance and Reliability

Embrace Pet Insurance has a strong reputation for reliability and performance. The company's comprehensive coverage options and commitment to customer satisfaction have earned it a loyal customer base.

Claims Processing

Embrace’s claims processing is efficient and transparent. The company aims to process claims within 10 to 15 business days, with many claims being resolved even faster. Embrace provides clear communication throughout the process, ensuring that pet owners are kept informed of their claim status.

Financial Stability

Embrace is financially stable and backed by American Modern Insurance Group, a leading insurance provider. This partnership ensures that Embrace has the financial resources to pay claims and continue offering high-quality coverage to its policyholders.

Expert Opinions

Industry experts often commend Embrace for its comprehensive and customizable plans, as well as its commitment to pet wellness through the optional Wellness Rewards program. Experts appreciate Embrace's transparent policies and customer-focused approach, which set it apart from many other pet insurance providers.

Pros and Cons


  • Comprehensive Coverage: Extensive coverage for accidents, illnesses, and alternative therapies.
  • Customizable Plans: Flexible options for deductibles, reimbursement levels, and annual limits.
  • Wellness Rewards Program: Optional program that covers routine and preventive care.
  • Excellent Customer Service: Highly rated for responsiveness and support.
  • User-Friendly Experience: Easy-to-use online portal and mobile app.


  • Premium Increases: Costs can rise as pets age.
  • Pre-Existing Condition Exclusions: Similar to other insurers, pre-existing conditions are not covered.

Overall Score

Overall Score: 8.6/10

Embrace Pet Insurance offers a comprehensive and flexible solution for pet owners seeking robust coverage for their furry friends. Its extensive coverage options, customizable plans, and Wellness Rewards program make it an excellent choice for those who want to ensure their pets receive the best possible care. The company’s commitment to transparency and customer satisfaction, combined with its user-friendly approach, further enhances its appeal.

While premium costs can increase as pets age and pre-existing conditions are not covered, these factors are common across the pet insurance industry. Overall, Embrace provides excellent value and peace of mind for pet owners, making it a top contender in the pet insurance market.

If you're looking for a pet insurance provider that offers comprehensive coverage, flexible plans, and exceptional customer service, Embrace Pet Insurance is definitely worth considering. The company's dedication to pet wellness and its innovative Wellness Rewards program set it apart, providing a holistic approach to pet care that addresses both unexpected medical needs and routine preventive care.


What types of pets does Embrace cover?

Embrace Pet Insurance covers both cats and dogs.

Can I customize my policy?

Yes, Embrace allows you to customize your policy with different deductible, reimbursement levels, and annual limits, as well as the optional Wellness Rewards program.

How fast are claims processed?

Embrace aims to process claims within 10 to 15 business days, with many claims being resolved even faster.

Does Embrace offer any discounts?

Yes, Embrace offers discounts for multiple pets and for enrolling through their website. Additionally, they offer a Healthy Pet Deductible, which reduces your deductible by $50 each year you don’t receive a claim reimbursement.

CompareOffers.com Staff
Written by CompareOffers.com Staff

The CompareOffers.com editorial team is a dedicated group of professionals committed to providing accurate and insightful reviews to help consumers make informed decisions. Our team combines extensive research, expert analysis, and user feedback to offer comprehensive comparisons across a variety of products and services. With backgrounds in finance, technology, and consumer advocacy, we aim to simplify the decision-making process by delivering clear and unbiased information. Our mission is to empower consumers with the knowledge they need to choose the best options available in the market.