Embrace Pet Insurance

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Embrace Pet Insurance Agency LLC, which was founded in 2003 and is based in Cleveland, Ohio, is underwritten by the American Modern Home Insurance Company. Embrace’s A+ rating with the BBB and excellent online reviews make it a popular choice among pet owners. Policyholders praise its broad coverage and fast payouts.

  • Customizable coverage options
  • Diminishing deductible plans
  • Multi-pet discounts (10%)
  • Annual coverage payment discount (5%)
  • No maximum lifetime payout
  • Wellness coverage add-ons
  • Dental, behavioral, holistic, and alternative treatments
  • Prosthetic limbs, devices, and mobility aids
  • Worldwide coverage when traveling  
  • 2-day waiting period for accident coverage
  • Claims paid out in 7 days
  • Annual limits on plans maxing out at $30,000
  • $1 monthly transaction
  • $25 enrollment fee
  • 6-month waiting period for orthopedic conditions
  • Bilateral limb exclusion for pre-existing cranial cruciate ligament issues
  • Pets 14+ years old that are new to Embrace are only eligible for accident-only coverage


Pros Explained

Embrace pet insurance reimburses up to 90% of eligible costs, with no lifetime payout limit. Their policies include a diminishing deductible, with a $50 decrease every year that you don’t file a claim. If you pay annually, you save 5% on your premiums paid. Plus, Embrace offers discounts for people with multiple pets, current and former members of the military, and pet owners in the workforce.

Embrace offers a 2-day waiting period for accident coverage, compared to the typical 14-day waiting period for accidents and illnesses offered by most other providers. This means that Embrace will cover an accident that occurs only 2 days after you purchase a policy for your pet, whereas accidents and illnesses that occur within two weeks of purchasing a policy are not covered by most other pet insurance plans.

Enrolling your pet in Embrace's supplemental Wellness Rewards plan can offer coverage on routine treatments, such as wellness exams and grooming, that are typically not covered by insurance. The Wellness Rewards plan allows you to pay a fixed amount over the year for wellness treatments, veterinary visits, spay or neuter surgery, and grooming.

Embrace provides a $1,000 annual limit for dental treatments that is separate from a pet’s yearly limit on general coverage. Dental disease is extremely common in pets, and this separate limit can ensure your pet receives the dental care they need.

Cons Explained

Embrace does not cover pre-existing conditions unless they are curable, and your pet is symptom-free and has not received treatment for the condition for at least a year. Pets 14 years or older that are not already covered by an Embrace policy can only enroll in the accident-only plan, which would cover accidents such as bloat, toxicity, lacerations, and car injuries.

Some conditions that are known to occur bilaterally (i.e., affecting the right and left sides, such as both rear limbs) are not covered if your pet has a pre-existing disease on one side. For example, if your pet has pre-existing cranial cruciate ligament disease, which is known to occur bilaterally, in one rear leg, occurrence in the opposite leg will not be covered.

Embrace does have annual limits on plans, which means that there is a cap to the amount they will pay out each year. You can choose the maximum amount paid out per year as part of your customized plan.

Final Thoughts

All in all, Embrace is one of the top US pet insurance companies that allows you to select your plan’s annual deductible, annual maximum, and percentage reimbursement. You will also be rewarded with a diminishing deductible for keeping your pet in good health and avoiding claims.

Embrace’s optional Wellness Plan, which is not an insurance policy but can be added to accident and illness coverage, can help you pay for pregnancy-related costs, spay or neuter surgery, vaccinations, and grooming.

Overall, Embrace offers essential coverage for pets with many extras that are not provided by other pet insurance carriers, such as prosthetics and behavioral therapy.

If you're trying to decide which pet health insurance is best for you and your pet, Embrace may be a good fit for you.