Embrace Pet Insurance Review

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Contributor, Benzinga
October 31, 2022
Embrace Pet Insurance
Overall Rating:
securely through Embrace Pet Insurance's website

Embrace pet plans start at just $15/month. Accidents, illnesses and breed-specific conditions are just a few of the included coverages offered in their nose-to-tail plan. This is a comprehensive coverage plan that reimburses up to 90% of your pet’s unexpected vet bills. Claims is easy as 1,2,3: complete a form, attach an itemized invoice and send it in.

Best For
  • Pets with chronic conditions
  • Prescription drugs
  • Breed-specific owners
  • Has a deductible feature included in the Embrace Plan at no additional cost
  • Covers dogs and cats
  • Coverage for exams
  • Rewards program
  • Great customer service
  • Comprehensive plans only for animals at the ages of 1 to 14
  • Plans don't cover preexisting conditions of pets
  • No unlimited claims options

Embrace Pet Insurance Ratings at a Glance

A pet is a furry family member, and like your human family members, you want to make sure your pet is cared for when there’s an injury or illness. Why not purchase pet insurance? You can buy the best pet insurance policy that works into your budget and covers your beloved pet using Benzinga’s tips and information. Plus, this Embrace pet insurance review will help you see the highlights and determine if this pet insurance is right for your family.

Embrace Coverage Options

Embrace pet insurance is one of the top policies that you can purchase to take care of your best friend. Embrace pet insurance is available in all 50 states.

Embrace insurance offers what it calls nose-to-tail pet coverage, which is a comprehensive coverage plan that reimburses up to 90% of your pet’s unexpected vet bills. Embrace provides coverage for the following:

  • Accidents: If your pet is injured in an accident — such as ingesting something that could hurt him, or breaking a bone — it’ll be covered. This includes the vet fees and consultation fees at any veterinary office. 
  • Illnesses: Embrace will make sure that your pet is covered when he falls ill without any pre-condition limitations. This means that any illness is covered without any limit and exclusions that other plans might have.
  • Dental illnesses: You can get coverage for dental illnesses such as periodontal disease, gingivitis, root canals, crowns, oral masses and extractions for up to $1,000 per year In most states (excluding New York).
  • Breed-specific and genetic conditions: Illnesses and conditions like hip dysplasia, allergies and intervertebral disk disease can afflict pets, depending on their breed or what their parents had a predisposition for. Embrace will make sure your pet is covered.
  • Cancer: Cancer and any related testing and treatment are covered by Embrace at no additional cost.
  • Chronic conditions: If your pet has conditions like allergies, arthritis and diabetes, he could be affected on a long-term basis. There are no limitations through Embrace on coverage for any of these conditions, and Embrace won’t stop covering your pet when you renew your plan.

Certain treatments are covered under Embrace:

  • Alternative therapies and rehabilitation: Procedures like acupuncture, chiropractic, hydrotherapy, physiotherapy and therapeutic laser treatment. 
  • Behavioral therapy: On all accident and illness plans, coverage for therapy to help deal with behavioral issues like marking, digging and aggression.
  • Emergency veterinary care: All emergency animal hospital trips to deal with accidents and injuries.
  • Specialist care: Any type of specialty care to help deal with various diseases or accidents, such as needing to go to an oncologist.
  • Diagnostic testing: Testing using fine-needle aspirates, biopsies, urinalysis, fecal exams and more.
  • Hospitalization and surgery: Coverage for anesthesia, exam fees, veterinarian and technician time, rehabilitation and follow-up care.
  • Prosthetics and mobility devices: Coverage to receive items like fake limbs or carts, including surgeries and follow-up visits.
  • Prescription drug coverage: Medicines such as antibiotics or insulin (except in New York).

Also, note these Embrace pet insurance exclusions:

  • Routine veterinary care
  • Preexisting conditions
  • Breeding, whelping and pregnancy
  • Injury caused deliberately by you or anyone else who lives in your home
  • DNA testing or cloning
  • Injury or illness resulting from fighting, racing, cruelty or neglect
  • Cosmetic procedures such as tail docking, ear cropping and dewclaw removal (unless it’s a medical necessity)
  • Avian flu

What Pets Does Embrace Cover? 

Embrace pet insurance only covers certain breeds of cats and dogs, but it doesn’t cover all types of exotic pets, like guinea pigs, rabbits and more.

Here are some of the breeds of cats that Embrace pet insurance covers:

  • Maine coon
  • Bengal
  • Domestic short hair
  • Sphynx
  • Ragdoll

Here are some of the dog breeds that Embrace pet insurance covers:

  • Labrador retriever
  • Bulldog
  • German shepherd
  • Poodle
  • Terrier

The insurance coverage is not limited to only these breeds — always check directly with the provider first to ensure that your pet and its medical needs are covered by the insurance company’s policies.

Embrace Pet Insurance Pricing

You can see more details about Embrace’s pet insurance rates depending on the type of pet you’re looking to get coverage on below:

Maine coonNose-to-tail pet insurance coverage, treatmentsStarts at $15 per month
BengalNose-to-tail pet insurance coverage, treatmentsStarts at $15 per month
Domestic short hairNose-to-tail pet insurance coverage, treatmentsStarts at $15 per month
SphynxNose-to-tail pet insurance coverage, treatmentsStarts at $15 per month
RagdollNose-to-tail pet insurance coverage, treatmentsStarts at $15 per month
Labrador retrieverNose-to-tail pet insurance coverage, treatmentsStarts at $30 per month
BulldogNose-to-tail pet insurance coverage, treatmentsStarts at $30 per month
German shepherdNose-to-tail pet insurance coverage, treatmentsStarts at $30 per month
PoodleNose-to-tail pet insurance coverage, treatmentsStarts at $30 per month
TerrierNose-to-tail pet insurance coverage, treatmentsStarts at $30 per month

Embrace Pet Insurance User Experience

When you file a claim with Embrace pet insurance, you’ll need to do the following three steps, making it a relatively painless and short process.

Step 1: Complete a Claim Form. 

You can submit a claim for your vet visits and treatments that you’d like coverage for at any time during the year — even 60 days into the next policy year. Staff at your veterinary office will need to fill out the forms for accidents and illnesses. You can access the form by doing the following:

  • Download it through your MyEmbrace account online or through the Embrace app.
  • Print a form that comes with your enrollment email.
  • Call Embrace’s office to have it emailed or faxed to you.

Step 2: Attach an Itemized Invoice.

You’ll need to supply an invoice from your vet or animal hospital that shows that you paid for the treatments with your form.

Step 3: Send in the Claim.

Fax, email or upload your claim to your MyEmbrace account or through the Embrace app — they’re the fastest ways to have your claim processed. You can also mail the claim to the claims department at: 

Embrace Pet Insurance, Claims Dept.

P.O. Box 22188

Beachwood, Ohio  44122-0188Embrace Pet Insurance Customer ServiceEmbrace’s contact center hours are open Monday–Friday from 8:30 a.m. to 8 p.m. EST. You can also use Embrace’s online chat service, available Monday–Friday from 8:30 a.m. to 5 p.m. EST. 

Embrace Overall Rating

Making the decision to get pet insurance is a great idea for anyone who plans to adopt a new furry best friend, especially if you’ll be getting your pet before age-related illnesses arise. It’ll ensure that your pet is taken care of in case of emergencies, give you peace of mind and allow you some financial relief — medical procedures and vet visits can be quite costly. For these reasons and many more, Embrace reviews 4.5 stars.


Does pet insurance more expensive for older dogs?


Yes, the premiums for pet insurance tend to increase as the pet gets older.


Is cat insurance or dog insurance more expensive?


Typically, dot pet insurance is more expensive than cat insurance.


Is Embrqce pet insurance available in my state?


Embrace pet insurance is available in all 50 states.

User Reviews


How do you use this product to boost your finances?

First, let me start by stating that I have had a TERRIBLE time with Embrace. His neurology claims have been denied based on being in the orthopedic waiting period.

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