dog at the doctors clinic
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Embrace Pet Insurance Review: Best for Large Breed Dogs

Overall Rating : 3 / 5

  • Name of Insurance Provider Embrace Pet Insurance
  • Year of Establishment2003
  • Key FeaturesFlexible coverage, Hassle-free
    claims, A+ rating from BBB
  • Coverage Limits$30,000
  • Waiting Period 14 Day illness wait
  • Website
  • Phone Number800-511-9172


All You Need to Know

Important :More recently and for the seventh time, they were recognized as a Top Workplace in Northeast Ohio in June 2021.


  • Free medical history assessment and 30-day money-back guarantee
  • Multiple discounts if you have two or more pets covered, are an employee, or someone in your immediate family is or was part of the Air Force, Marines, Army, Coast Guard, or Navy
  • Flexible coverage with yearly reduction in annual deductible


  • No zero-deductible facility or unlimited options
  • Expensive Wellness Rewards product
  • No coverage for pre-existing conditions
  • Hidden charges including enrolment and processing fees

Embrace Pet was born in 2003 as a concept that won the Wharton Business Plan Competition in the same year. They sold their first pet insurance policy three years later and went on to receive multiple awards like the International Service Excellence Award in 2019.

They have multiple key partnerships. For their pet insurance policies, they teamed up with Geico, a long-time auto insurance company that has been around since 1936. They have also partnered with PawSupport, American Modern Insurance Group, Armed Forces Insurance, and the Helen Woodward Animal Center.

Such partnerships have allowed them to grow their business and expand their coverage, offer additional service features, and participate in corporate social responsibility initiatives.

  • Treatments Included in Plan?
  • Exam feesYes
  • Diagnostic FeesYes
  • SurgeriesYes
  • Hospitalization Yes
  • Hereditary and Congenital ConditionsNo
  • VaccinationYes
  • Prescriptive MedicationYes
  • Cremation and burial Yes
  • Dental CareYes
  • Holistic CareYes
  • Preventive CareYes
  • Lab Tests, X-Rays and UltrasoundsYes
  • Prescription Dog FoodYes
  • BreedingNo


What Does Embrace Cover?

Embrace Pet Insurance’s accident and illness plan covers the following:

  • Examination fees
  • Medications
  • Treatments
  • Hospitalization costs
  • Dental health check-ups and treatments
  • Preventive care
  • Vaccination
  • Holistic care
  • Behavioral treatment
  • Cremation and burial

Does Embrace pet insurance cover prescription dog food? Yes, if you get the optional Wellness Reward Plan.

Also Read: How To Give A Dog Medicine?

What’s Included?

Embrace reimburses owners’ medical expenses for a pet that may arise due to an unintentional accident as well as illnesses and health conditions that develop after buying the policy.


What’s Not Included?

Embrace doesn’t cover costs for pre-existing conditions. Newly enrolled pets over 14 years old are limited to accident-only coverage plans. These are the only two notable exclusions with Embrace.

overview of embrace pet insurance

Available Plans

Pet owners can choose between two plans: the cheaper accident-only coverage plan, and a more comprehensive accident and illness coverage plan. 

The accident-only plan covers basic veterinary care, cuts, and bruises, or when a pet gets hit by a car, etc. However, only cats and dogs who are at least 15 years old are eligible for this type of coverage.

The accident and illness coverage plan covers most medical expenses like cancer, chronic conditions, congenital illnesses, and more.

Plan Pricing

Embrace offers highly customizable plans. You can choose between five deductibles, five annual limits, and three reimbursement amounts according to your needs and budget.

The company’s average dog insurance costs $30 to $40 a month while their average cat insurance is around $15 to $20 per month. Your premium will be influenced by the breed, gender, age, and where you and your pet reside.

You may end up losing a large chunk of money if you don’t use your coverage because unused funds are not rolled over

Pre-Existing Conditions

Any illness, health issue or complication that a pet has before being covered by pet insurance is considered a pre-existing condition and won’t be covered.

Coverage Limits

Embrace does not offer unlimited benefits with any of its insurance policies. The highest coverage possible is $30,000 but of course, this will affect the premiums you have to pay considerably.


How fast does Embrace pet insurance reimburse? Embrace has a fairly seamless and hassle-free process for filing claims. A claim form can be downloaded online or through their app. This claim form can be submitted via the app, email, physical mail, and fax. Reimbursements take 12 to 15 business days.


waiting period of Embrace Pet Insurance

Waiting Period

The fastest approval of policy by Embrace is for accident-only plans which have a waiting period of two days. Plans that cover illness take 14 days while pets with orthopedic conditions are the longest at six months.


Embrace Pet is lacking in a few aspects but most of its features can be customized to suit a pet owner’s needs. This allows you to only pay for coverage that’s relevant for your pet.

However, we still recommend that you go through Embrace Pet Insurance review to have as few surprises as possible after signing up.

Most users give the company a high rating but it still wouldn’t hurt if you go through Embrace Pet Insurance review on your own to see if their policies and services match your and your pet’s needs.

Frequently Asked Questions

Does Embrace Pet Insurance Cover Vaccines?

Only the optional Wellness Rewards Plan covers vaccines.

What’s Not Covered by Embrace Pet Insurance?

24PetWatch does not provide coverage for pets with pre-existing medical conditions and dogs and cats above the age of 10 and 12 respectively.

Embrace doesn’t cover the following:

  • Breeding and pregnancy treatments
  • Pre-existing conditions
  • Deliberately caused injuries
  • DNA testing
  • Cosmetic procedures

What Is The Cancellation Policy of Embrace?

For a full refund, you need to cancel within the first 30 days of the policy. Whereas after the first 30 days, you’ll only be eligible for a prorated refund. You can cancel through phone and email.

Is Embrace Pet Insurance Good?

If you are looking for affordable and customizable plans and are getting pet insurance for the first time, Embrace is a good place to start.

Can I Use Embrace Pet Insurance at Every Vet’s Office?

Yes. Any licensed vet, medical specialist, and hospital accepts Embrace Pet Insurance.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.