Embrace Pet Insurance is widely recognized for its comprehensive and customizable pet health coverage, focusing on providing tailored plans that fit diverse budgets and pet health needs. Launched in 2006 and headquartered in Cleveland, Ohio, Embrace has established itself as a trusted insurer by prioritizing customer service, innovative coverage options, and flexible policies. This review offers a detailed examination of Embrace’s value proposition, customer feedback, pricing, digital tools, and market position in 2025.
Company Overview
Embrace Pet Insurance specializes in accident and illness coverage for dogs and cats, with policies that can accommodate pets of all ages and breeds. The company partners with American Pet Insurance, a member of the Tokio Marine Group, and holds strong financial ratings. Embrace is available in all 50 states and has built a reputation for being consumer-oriented, focusing on clear policies, straightforward claims, and wellness rewards.
Value Proposition
Coverage and Customization Options
Embrace offers customizable accident and illness plans with an optional wellness rewards program:
- Core Coverage Includes:
- Accidents and injuries (e.g., broken bones, poisonings)
- Illnesses including chronic, hereditary, congenital, and behavioral disorders
- Cancer treatments and therapies
- Diagnostic tests and medications
- Hospitalization, surgeries, and therapies such as physical therapy and acupuncture
- Dental diseases and oral surgeries (optional coverage)
- Exam fees applicable under illness claims
- Wellness Rewards™ Program
- Not insurance, but a flexible reimbursement plan for routine care like vaccinations, flea/tick prevention, dental cleanings, and spaying/neutering.
- Members can earn up to $650 per year towards routine and preventive care.
Key Features:
- Flexible annual coverage limits ranging from $5,000 up to unlimited
- Choice of deductible amounts and reimbursement levels (70%, 80%, or 90%)
- Covers pets from 6 weeks old with no upper age limit
- 15-day waiting period for illnesses, 48 hours for accidents, and 6 months for knee ligament conditions
- Optional coverage enhancements for dental illnesses and alternative therapies
Discount and Savings Opportunities
- Multi-pet discounts available
- Healthy pet discounts for pets under 2 years old
- Annual payment discount when paying in full
- Military discount and employee benefits in select cases
- No claim renewal discount that rewards claim-free policy renewals with a vanishing deductible feature
Pricing and Cost Competitiveness
Embrace’s premiums are generally competitive, especially considering its customizable coverage and wellness benefits. Sample monthly premiums for a 90% reimbursement, $500 deductible, and $10,000 annual limit might be:
Pet Type | Average Monthly Cost
Golden Retriever (Dog) | $72
French Bulldog (Dog) | $110
Domestic Medium Hair (Cat) | $25
Actual premiums vary by breed, age, location, and selected coverage. Multi-pet discounts and wellness plans can increase overall savings.
Customer Feedback and Satisfaction
Positive Aspects
- Flexible Coverage Options: Customers appreciate the ability to customize plans to fit their budget and pet’s needs.
- Wellness Rewards: The unique wellness program is highly praised for helping manage routine veterinary costs.
- Claims Process: Generally, claims are reported to be processed efficiently with many reimbursements arriving within a few days.
- Customer Service: Embrace earns high marks for compassionate and helpful customer support teams.
Negative Aspects
- Waiting Periods: Some pet owners feel the waiting periods, especially the 6-month knee ligament exclusion, are long.
- Dental Illness Coverage: Covered only if the optional dental illness add-on is purchased.
- Price Sensitivity: Pet owners without wellness rewards or multi-pet discounts sometimes report policies as pricey.
- Pre-existing Conditions: Like all pet insurers, pre-existing conditions are not covered, which can lead to claim denials.
Representative Customer Experiences
“Embrace’s wellness rewards really help offset the routine vet visits that add up quickly.”
“Claims process was simple, with fast reimbursement, and the support team was very understanding.”
“I wished dental illness were included by default; it’s expensive as an add-on.”
Industry Ratings and Third-Party Evaluations
- Forbes: Praises Embrace for its customizable plans and wellness rewards but notes premium variance.
- Pet Insurance Review Sites: Frequently ranked among the top providers for customer satisfaction and comprehensive coverage.
- Better Business Bureau: Holds an A+ accreditation with predominantly positive feedback regarding claims handling and customer service.
- Trustpilot: Average rating around 4.5/5 with consistent praise for claims ease and support responsiveness.
Website and Digital Experience
Embrace’s website is user-friendly and mobile optimized, featuring:
- Online quote generation and policy purchase
- Easy claims submission and tracking portals
- Wellness Rewards program management
- Educational content on pet health and insurance topics
Although Embrace does not have a dedicated mobile app, its responsive website delivers seamless access across devices.
Unique Features and Innovations
- Wellness Rewards™: Helps pet owners proactively manage annual wellness expenses—not typical in standard pet insurance policies.
- Vanishing Deductible: Policyholders earn credits for claim-free years reducing their deductible at renewal.
- Flexible Plan Design: Range of reimbursement tiers, deductibles, and annual limits so owners can balance cost and coverage.
- Coverage for Behavioral Therapy: Covered as an illness, uncommon among competitors.
Strengths and Weaknesses
Strengths
- Strong customization with multiple deductible and reimbursement options
- Unique Wellness Rewards program offsets routine care costs
- Prompt claims reimbursement and responsive customer support
- No breed or age restrictions
- Covers alternative treatments and behavioral health
Weaknesses
- Waiting periods, especially for knee ligament issues, can be lengthy
- Dental illness coverage requires optional add-on
- Pricing can be high without discounts or wellness rewards
- No dedicated mobile app (website is mobile optimized)
How Embrace Pet Insurance Compares to Competitors
Company | Average Monthly Cost | Key Strengths | Notable Weaknesses
Embrace | $25–$110 (sample) | Wellness Rewards, flexible plans, behavioral coverage | Dental add-on required, waiting periods
Pumpkin | $28–$118 (sample) | Broad base coverage plus preventive add-ons | No direct vet pay, wellness add-on
Healthy Paws | $18–$90 (sample) | Unlimited accident/illness coverage | No wellness or dental coverage
Trupanion | $36–$110 (sample) | Direct vet pay, unlimited annual cap | Higher price, limited wellness
Nationwide | $35–$110 (sample) | Avian and exotic pet options | Limited dental/behavioral
Embrace stands out with its wellness rewards and customizable plans, balancing preventive care with robust accident and illness protections.
Conclusion: Is Embrace Pet Insurance Right for You?
Embrace Pet Insurance is an excellent option for pet parents who want flexible coverage with the added benefit of a wellness rewards program to manage routine care expenses. Its comprehensive illness and accident coverage combined with a strong customer service reputation make it a favored choice among pet owners who seek tailored protection. While pricing and waiting periods may concern some, Embrace’s balance of value and coverage makes it a strong contender for those looking for both illness protection and proactive wellness support.
References
- Embrace Pet Insurance Overview – https://www.embracepetinsurance.com
- Forbes Advisor: Embrace Pet Insurance Review 2025 – https://www.forbes.com/advisor/pet-insurance/embrace-pet-insurance-review/
- Better Business Bureau: Embrace Pet Insurance Reviews – https://www.bbb.org/us/oh/cleveland/profile/pet-insurance/embrace-pet-insurance-0111-90025657/customer-reviews
- Pet Insurance Review Sites: Best Pet Insurance Providers 2025 – https://www.petinsurancereview.com
- Trustpilot: Embrace Pet Insurance User Ratings – https://www.trustpilot.com/review/embracepetinsurance.com
- Embrace FAQs and Coverage Details – https://www.embracepetinsurance.com/resources/faq
- NerdWallet: Embrace Pet Insurance Explained – https://www.nerdwallet.com/article/insurance/pet-insurance/embrace-pet-insurance
- Consumer Affairs: Embrace Pet Insurance Complaints and Reviews – https://www.consumeraffairs.com/pets/embrace.html
- American Pet Insurance, Tokio Marine Group Parent Company – https://www.americanpetinsurance.com
- Embrace Wellness Rewards Program Details – https://www.embracepetinsurance.com/wellness-rewards/
