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Embrace Pet Insurance
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Embrace Pet Insurance

Whether you have a dog or cat, Embrace Pet Insurance is an excellent choice. Embrace offers coverage for accidents and illnesses, and an optional wellness plan for routine care. Plus, plans can be personalized to fit your needs and your budget.

Embrace Reviews

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Read some of the most recent Embrace Pet Insurance reviews from real pet parents like you!

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Embrace offers one simple yet comprehensive plan that is easy to understand and use. Personalized policies allow pet parents to build a plan to fit any budget.

Coverage Notes

  • Up to 90% back on vet bills using any vet
  • Total protection with pet insurance and wellness
  • Dependable claims payments

Coverage Highlights


Accident and Illness Coverage

Embrace offers excellent accident and illness coverage for dogs and cats. One unique aspect of Embrace’s coverage is that you can fully customize a plan that meets your needs and budget. Here’s a quick overview of policy details to give you an idea of what to expect when building your custom Embrace policy.

With Embrace, you’ll enjoy coverage for:

  • Exam fees
  • Congenital conditions
  • Chronic conditions
  • Alternative therapies and  rehabilitation
  • Breed-specific and genetic conditions
  • Cancer
  • ER & specialist care
  • Diagnostic testing
  • Hospitalization and surgery
  • Prosthetic limbs and devices, including mobility aids
  • Behavioral therapy
  • Dental illness up to $1,000 per year (Available in most states.)

Coverage Highlights

  • Embrace is the only pet insurance company to offer a diminishing deductible called the Healthy Pet Deductible
  • Pre-existing conditions are separated into temporary conditions and permanent conditions to reduce coverage exclusions.
  • One annual deductible
  • 24/7 Pet Help Line staffed with registered veterinary technicians
  • One simple yet comprehensive policy
  • Customers have 24/7 access to their online MyEmbrace account to submit claims, add pets, manage claims, and more
  • No pet insurance company covers pre-existing conditions

Optional Wellness Rewards Product

Embrace is one of the only pet insurance companies that offers an optional Wellness Rewards product with no line-item limits. You are free to use your wellness allowance for any of the covered items, including:

  • Routine exams
  • Vaccinations
  • Flea, tick, and heartworm medications
  • Preventative surgery (spay/neuter, gastropexy)
  • Prescription diet food
  • Grooming
  • Training

Optional Wellness Rewards Add-On

Embrace also offers a non-insurance supplementary benefit called Wellness Rewards. Pet parents are reimbursed 100% up to the selected annual allowance. There are three annual limits to choose from: $250, $450, and $650. You can use this wellness allowance for any of the covered items, including:

  • Routine exams and vaccinations
  • Flea, tick, and heartworm medications
  • Preventative surgery such as spaying, neutering, and gastropexy.
  • Prescription diet food
  • Grooming and training

Visit Embrace’s website for a complete list.

Learn More: Optional Pet Wellness Products

Coverage Details

Here is a quick overview of policy details to give you an idea of what to expect when building your custom Embrace quote.  † Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.


Accident & Illness Coverage:
Wellness Care:
Deductible Options:
$100 - $1,000
Reimbursement Options:
70%, 80%, or 90%
Annual Maximum Options:
$5,000 - Unlimited
Hereditary Conditions:
Minimum Age for Enrollment:
6 Weeks
Maximum Age for Enrollment:
14 Years
Diminishing Deductible:
Waiting Period Accidents:
14 days
Waiting Period Illnesses:
14 days
Waiting or Exclusion Period Orthopedic Conditions:
6 months*
Policy Exclusions:
See Below

Enrollment Requirements

  • There is a $25 enrollment fee.
  • The maximum enrollment age for full accident and illness coverage is 14 years old.
  • Pets older than 15 are eligible for an accident-only policy.
  • The minimum age for enrollment is six weeks.
  • Pets must be examined by a licensed veterinarian 12 months before the policy start date. If there is no noted exam before the policy start date, an exam is required within the first 14 days of the policy.
  • Pet parents can cancel policies immediately over the phone with no penalty.
  • Claims must be submitted within the policy year plus 60 days.

Other Provisions

  • There is a defined appeal process for claims.
  • Reimbursement method: direct deposit or check.
  • Prescription medications are included with all accident and illness policies.
  • There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state

*Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.


Embrace is very competitive with their coverage, and a high coverage plan is more expensive than a mid-range or low coverage plan. Policies are personalized, so you can pick a plan that fits your budget. There is a 5% military discount and a 10% multi-pet discount (the multi-pet discount is 5% in some states).

Embrace charges a one-time $25 enrollment fee and monthly, recurring $1 fee as well

See How Much It Will Cost You

Sample Premiums


Average for Dogs:
$39 per month


Average for Cats:
$27 per month

See How Much It Will Cost You

About Embrace Pet Insurance

Embrace is a top-rated pet health insurance provider for dogs and cats in the United States. Embrace offers one simple yet comprehensive accident and illness insurance plan that is underwritten by American Modern Insurance Group, Inc.

In addition to insurance, Embrace offers Wellness Rewards, an optional preventative care product that is unique to the industry. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more, with no itemized limitations.

Embrace is a proud member of the North American Pet Health Insurance Association (NAPHIA) and continues to innovate and improve the pet insurance experience for pet parents across the country.

Policy Options:

Company Profile

In 2003, a concept for a pet insurance company won the 2003 Wharton Business Plan Competition. That concept later blossomed into Embrace, and the company has only grown since then.

Embrace strives to offer customers the best coverage to help them get the best care for their best friends when unexpected accidents and illnesses happen without breaking the bank. Policies are fully customizable to fit any budget, and coverage is comprehensive, so there are no gaps.

Giving back is an important part of Embrace’s culture; it’s even one of the company’s core values. In fact, in 2022, Embrace Pet Insurance generated over $600,000 for nonprofit organizations. This funding benefited 130 organizations, both local to Cleveland, Ohio, and nationwide. Embrace employees also contributed over 2,000 hours of volunteer work in 2022. While we are still compiling our 2023 giving report, we can say that we continued our strong commitment to our communities again last year.

You can learn more here: Giving Back | Embrace Pet Insurance

They also match employee donations 100%, regardless of whether they go to a pet-related charity or not.

Embrace is an 11-time winner of the NorthCoast 99 Award, being recognized as one of Northeast Ohio’s best places to work for top talent. They have also been named one of Northeast Ohio’s Top Workplaces by The Plain Dealer nine times. Embrace is a “Great Place to Work” certified company (Sept. 2023–Sept. 2024) as well.

Fun fact: Embrace has a pet-friendly office and regularly posts pictures on their Instagram account (@EmbracePetIns).

Year Founded:
Cleveland, Ohio
American Modern Insurance Group
Brian Macias
Vet Policy:
Any licensed veterinarian in the U.S.
Brand Promise:
Genuine support and certainty when pet parents need it most.

Policy Exclusions

  • Pre-existing conditions. This includes anything that was symptomatic or diagnosed prior to the end of the waiting periods
  • More than one removal of an ingested foreign body in one period of insurance
  • Costs for any treatment for:
    • Genetic/chromosome testing
    • Cloning
    • Procedures to determine the suitability or categorization for your pet for breeding or genealogical purposes, including PennHIP and OFA evaluations
    • Breeding, pregnancy, whelping, or queening
  • Avian, swine, or any mutant variation of influenza
  • Epidemics or pandemics as declared by the US Department of Agriculture
  • Preventative care under the accident and illness insurance

For a full list of exclusions, please contact Embrace Pet Insurance.