Embrace Pet Insurance Reviews

Embrace Pet Insurance Reviews

Find the Cheapest Pet Insurance Quotes in Your Area


We like Embrace here at ValuePenguin for their dedication and empathic approach to pet insurance and pet owners.

Consider this if you want pet insurance that covers wellness and veterinary care, and don't mind an annual limit.
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  • We like that Embrace will cover any treatment plan your veterinarian suggests. So long as your veterinarian deems that it is needed for your pet's health, Embrace will likely reimburse you for it. This can include diagnostics, lab tests, surgery doctor, nursing, hospital fees, follow-up care, or rehabilitation
  • Embrace’s customer service gets rave reviews from other pet parents, and our calls have always been handled very knowledgeably
  • Healthy Pet Deductible: this seems to be a relatively new and unique feature to Embrace. The deductible on your pet insurance policy drops by $50 every year that you don’t have any claims reimbursed


  • While the coverage can be generous and the peace of mind great, the premiums you pay each month reflect that
  • In New York, prescription medicine care is a separate addition on top of your monthly premium

Embrace Pet Insurance Policy & Discounts

Embrace has one standard plan of core veterinary benefit benefits, with different coverage levels that you can choose based on your pet’s needs and budget considerations. No matter your location, there are multiple levels of annual deductibles ($200, $300, $500, $750 and $1,000) and reimbursement (70%, 80%, and 90%) to choose from. Availability of annual maximums varies by region and your method of purchase:

Annual Maximum
$5,000All purchasers
$8,000All purchasers
$10,000All purchasers
$15,000All purchasers
$30,000All states except New York
UnlimitedAvailable in most states through enrollment over-the-phone

Here are some examples of the veterinary benefits that Embrace will cover as part of your pet insurance plan: Doctor and Nurse Exam Fees, Laboratory Tests and Biopsies, Hospitalization and Surgery, MRI and CT scans, X-rays, Ultrasound, General, Specialist, and Emergency Care, Allergy Testing, and Alternative Treatments, including Acupuncture, Chiropractic, Physical Therapy incl. Hydrotherapy, Laparoscopies, and Laser Surgery.

In addition to the usual pre-existing conditions, Embrace’s standard pet insurance plans do not cover cosmetic or elective operations, deliberate injury, cremation or burial, DNA testing or cloning, organ transplants, avian flu, and breeding or pregnancy. If you participate in Wellness Rewards, DNA testing, as well as cremation or burial, would be covered.

Embrace Discounts & Promotions

Discount Type

Discount Amount
Spay & Neuter5% (only available in NY): Embrace gives pet parents discounts when a covered pet has been spayed or neutered
Multiple Pets Insured10% in most states (5% in NY): Applied to each pet when multiple pets are covered on a policy
Active Military5%: Active military and their spouses or partners
Annual Payment5% (only available in NY): for lump sum payments


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Embrace Pet Insurance was started in 2003 by Laura Bennett and Alex Krooglik, with its first policy sold in 2006. Embrace’s pet health insurance plans are underwritten by American Modern Home Insurance Company (AM Best rating of A+ as of November 2012) and American Southern Home Insurance Company in Florida (AM Best rating of A+ as of November 2012).

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.