Is Embrace Pet Insurance Good?

You go above and beyond for your pet, so we designed our coverage to do the same – in sickness and in health.
dog products

Is Embrace Pet Insurance Good?

Yes, Embrace pet insurance is good. Pet owners can use an Embrace pet policy to help pay for expensive vet bills for care having to do with an accident or illness. Pet insurance policies include up to a 90% reimbursement percentage. The premiums are competitive and the insurance company offers a unique feature for their annual deductible you’ll learn about below.

Is Embrace Pet Insurance Good
Why embrace pet insurance is good

Why Is Embrace Pet Insurance Good?

Pet parents will ensure the following coverage if they decide to purchase pet insurance from this company:

  • Illnesses
  • Injuries
  • Hospitalization
  • Surgery
  • Emergency
  • Specialty Care
  • Hereditary Conditions
  • Breed-Specific Conditions (i.e. Hip Dysplasia)
  • Congenital Conditions
  • Chronic Conditions
  • Cancer Treatment
  • Behavioral Therapy
  • Diagnostic Testing
  • Prescription Drugs
  • Alternative Therapies
  • Rehabilitation
  • Dental Illnesses ($1,000 limit per year)
  • Orthopedic Conditions
  • Prosthetic Limbs
  • Mobility Aids

While the dog insurance provider does offer Wellness Rewards, which can be added to any policy. The Wellness Rewards product offers allowance to pay for routine or preventative care such as wellness exams. The plan makes it easier to budget the costs of exam fees, tests and other services to ensure your pup(s) stay healthy.

Pre-Existing Condition with Embrace Pet Insurance

Embrace does not cover pre-existing conditions – this is typical of pet insurance companies. However, they only consider the past 12 months when identify pre-existing conditions. This can be quite helpful for many pet parents who have a dog that may have recovered from a condition a couple of years ago but may suffer a reoccurrence in the future. As long as there hasn’t been any symptoms or care in the past year, the condition is typically not considered pre-existing.

Chronic conditions are covered by Embrace BUT only those that come about after the waiting period following enrollment. In other words, the chronic condition cannot be pre-existing.

Pre-Existing Condition with Embrace Pet Insurance

Embrace Multi-Pet Discount and Military Discount

Embrace does honor a 10% multi-pet discount for multiple pet households insuring more than one pet. The discount is automatically applied to the policy.

A military discount of 5% is applied for all active and former military members.

Embrace customer service is friendly, fast, and generous. Simply ask about available discounts and they will see what they can do for interested pet parents.

Waiting Periods for Pet Insurance Plan Coverage

Upon enrollment, pet parents have a 14 day waiting period before submitting a claim for illness. The waiting period of an injury is only 48 hours. Orthopedic conditions have a 6 month waiting period. A waiver process is available. It requires a veterinarian visit to complete a report card that Embrace Pet Insurance calls the Embrace Orthopedic Exam Report Card. Once that is completed, the pet insurance company reviews and determines if coverage can be provided earlier.

Waiting Periods for Pet Insurance Plan Coverage

Embrace Pet Insurance Reviews

To determine if Embrace Pet Insurance is good, many people read Embrace pet insurance reviews. The following are some of the ones that have been written recently about the pet insurance company.


Positive: Professionalism, Quality, Responsiveness, Value
Reviewer: Rachel L.

We became Embrace customers in 2016 and it was the best decision we’ve ever made. We’ve never had a single issue with coverage and always felt the monthly premiums were fair. Embrace helped us give our girls the best quality of life possible. From extensive GI panels, ultrasounds, TPLO’s, emergency gastropexys, endoscopes, cancer removal and chemotherapy, we’ve seen it all. When our first fur baby crossed the rainbow bridge, Embrace was so kind and several times extended their sympathies for our loss. We will continue to be loyal Embrace customers for the rest of our lives ♥️????????

Positive: Professionalism, Quality, Responsiveness, Value
Reviewer: Melissa D.

I've been with Embrace since 2014. Since then, they have been responsive, trustworthy, fair, and helpful at every turn. I recommend them to everyone. In 2015, my beloved Boo Bear had lymphoma, and Embrace paid every claim without hesitation, and as a result he got the best care and an extra year of high-quality, happy life. Knowing that Embrace has my back, I feel my pets are cared for, and never hesitate to get them care. Every interaction I've ever had with Embrace has been perfect. They've never hesitated to pay a claim or to respond when I reached out. Honestly one of the best values out there, for anything.

Critical: Professionalism, Quality, Responsiveness
Reviewer: Robby D.

The average claim processing time for me has been 2 months. My vet sent them the records for my dogs, I submitted them twice more. They have thrown them away every time and refuse to process claims without them. They refuse to recognize continuous treatment and treat every new claim like its a new diagnosis on a different animal theyve never paid a claim for before. There is a reason that they cost half of everyone else; they provide less than half the coverage and less than half the service. Like other posters have said, they will make up any reason at all to prevent paying a claim and make you fight to get them to follow their own guidelines.

Since they want to lock responses, I'll do it this way. There is no more history. You've been given her complete history 3 times and now you're just playing games. There are no missing records. There is nothing else to get. Maybe you didn't delete them or throw them out but your claims processors definitely aren't reading them. I have a claim that is more than 3 months old that is part of continuous care that you are simply sitting on.

Positive: Professionalism, Quality, Responsiveness
Reviewer: Kathy G.

Our sweet cat was hit by a car. We thought we were going to lose him. The people at Embrace Pet Insurance were kind and walked me through the process - I hadn't ever had to use the insurance. The claims went through quickly and our checks were sent in a timely manner...before our credit card payment was even due! Not having to worry about the $$$ so I could focus on taking care of our pet was such a relief. I would (and have) highly recommend Embrace to anyone who wants pet insurance.

Critical: Quality, Responsiveness, Value
Reviewer: George G.

I've had Embrace for about 2 years now. I have 3 dogs insured. I've made one claim, went through hell like many other policyholders apparently trying to get it processed. Similar story as others: invoices and documentation repeatedly submitted by my vet's office allegedly never received repeatedly etc etc. Just got news my premium is going up once again which will make an increase of 100 % in just two years with one partial claim covered on one dog. Probably going to cancel this. Paying for a surgery or two is definitely cheaper and a whole lot easier than this charade.

Pros: Claim submission is very quick and simple. Policy is comparable to others I reviewed.
Reviewer: Yia L.

Pros: Claim submission is very quick and simple. Policy is comparable to others I reviewed.

Cons: Slow and/or lack of communication. Takes a while to fix errors on their end. Over a month ago, Embrace deposited $500 into my bank account by mistake and then told me that if I kept the money, I could no longer add the Wellness Plan in the future and that they would reserve the right to collect the money at any time. I told them that the deposit they made was an error on their end and that they could withdraw the money from my bank account. They told me that was not an option. I had to mail in a check, and after they confirmed they received it, I stopped hearing from them. It would be really great to hear from a supervisor or the billing department about what Embrace's plans are for the $500 that has been sitting in my bank account for over a month now...

4/20/21 Update: I didn't receive any communication from Sarah so I'm not sure where it is showing that she's reached out. If someone could please update me about when the money will be removed from my account, that would be very helpful.

5/3/21 Update: I'm giving one star back to Embrace because they finally took their money back. It took about two months, but at least it is resolved now.
embrace pet insurance reviews

Overall Impression of Embrace

After reading many reviews, the same issues arose repeatedly. Most pet owners (mostly dog owners) were on either side of the fence – LOVE THEM or HATED THEM. Those who hated Embrace were upset about one of three situations:

  1. Claims being denied.
  2. Claims taking too long to resolve.
  3. Premium increases.

The good news is that the majority of people who leave a review for the pet insurance company are happy with the coverage they are receiving from them. Considering that people are more likely to leave a negative review vs. positive one, it’s safe to say that Embrace is a good pet insurance.

Request a Quote for Embrace Pet Insurance

Dog Ownership Guide recommends Embrace Pet Insurance and it isn’t only because we are an affiliate and receive a small commission if you sign up. We only support companies that provide a good service for a good price, and that is Embrace. Customer service issues arise no matter what company you work with – patience is a virtue after all – the good news is they have a solid business model and customer service’s priority is to help as many people as possible provide the best care to their pets.

Click below to find out if Embrace Pet Insurance is within your budget for the care you need for your dog(s).

embrace pet insurance

Copyright 2005—2021 Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.

transparent logo

Dog Ownership Guide – D.O.G. – launched in 2021 to meet the needs of dog owners and their dogs worldwide. Our website is a place to not only learn, shop, and entertain, but share as well. Learn all that D.O.G. has to offer below and allow us to extend a warm welcome to you.

D.O.G. is an affiliate marketing website. When you purchase an item after clicking a link on our website, we recieve a small commission at NO COST to you. Thank you for supporting Dog Ownership Guide.

D.O.G. Digest

Monthly eNewsletter with NEWS, STORIES, and INFORMATION for dogs and their owners.