Embrace
4.9

out of 5

Embrace Pet Insurance for Dog & Cat

Embrace Pet Insurance offers accident and illness coverage for dogs and cats in the United States and Canada. Founded in 2015, Embrace has quickly gained a reputation for being one of the most affordable and easy-to-use pet insurance companies.
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Embrace Pet Insurance Details

    • More: Embrace Pet Insurance Reviews

      Why Our Users Picked It:

      Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.

      Pros & Cons:

      • Easy to submit claims
      • Fast payments
      • Great customer service
      • Diminishing deductible of $50 for every year a claim is not filed
      • Limited range of options for annual coverage and deductibles
      • Limited coverage for alternative treatments

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury $10,000 limit
      • Hospitalization $10,000 limit
      • Rehabilitation $10,000 limit
      • Continual Care $10,000 limit
      • Emergency Visits $10,000 limit
      • Surgery $10,000 limit
      • Dental Trauma $10,000 limit
      • Foreign Object Ingestion $10,000 limit
      • Congenital or Hereditary Conditions $10,000 limit
      • Cancer Treatments $10,000 limit
      • Dietary Supplements As part of our wellness plan - $250 limit
      • End of Life: Burial and Cremation $250 limit
      • Illness $10,000 limit
      • Specialists $10,000 limit
      • Prosthetics $10,000 limit
      • End of Life: Euthanasia $10,000 limit
      • Prescription Drugs $10,000 limit
      • Outpatient Care $10,000 limit
      • Bilateral Conditions $10,000 limit - There is a bilateral exclusion on pre-existings. If one side is pre-existing, then so is the other side.
      • Travel Coverage $10,000 limit - Accidents and Illnesses while travelling abroad would be covered. Travel related expenses and travel interruption are not.
      • Vet Exam Fees $10,000 limit
      • Medical Imaging $10,000 limit
      • Organ Transplants $10,000 limit
      • Wellness Cover $250, $450, and $650
      • Lab Tests $10,000 limit
      • Behavioral Treatments $10,000 limit - Must be performed by a licensed vet

      Plan Summary

      Embrace Pet Insurance 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 and every policy comes standard with the industry’s only diminishing deductible feature, the Healthy Pet Deductible. Embrace also offers Wellness Rewards, an optional preventative care product that is unique to the market. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more with no itemized limitations. Embrace continues to innovate and improve the pet insurance experience for pet parents across the country with personalized plans, dependable claims payments, and the MyEmbrace online customer portal.

    Most popular dog breeds insured by Embrace Pet Insurance

    Here are the top 8 dog breeds covered by Embrace insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $76.81
    Pomeranian $66.88
    German Shepherd $114.70
    Chihuahua $48.23
    Golden Retriever $138.69
    American Bully $180.42
    Miniature Schnauzer $122.12
    Goldendoodle $118.71
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Embrace Pet Insurance

    Here are the top 6 cat breeds covered by Embrace insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Domestic Short Hair $28.67
    Tabby $47.12
    RagaMuffin $63.33
    American Shorthair $44.78
    Domestic Medium Hair $39.19
    British Shorthair $61.24
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers 2025

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      Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
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      Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • ASPCA Pet Health Insurance
      Users appreciate that the ASPCA Pet Health Insurance program offers up to 90% reimbursement of covered conditions for services relating to emergency visits, chronic conditions, alternative therapies and even things you may not think about like prescription medications. For an additional price per month, one of two optional Preventive Care plans can be selected to reimburse on things that help keep your pet healthy. Many users have also highlighted the positive experience of working with the helpful and responsive customer services representatives.
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    • Figo Pet Insurance
      Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
    • MetLife Pet Insurance
      Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.

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    Embrace Pet Insurance FAQ?

    • Does Embrace pet insurance have age limits for eligibility?

      Yes, you may enroll dogs and cats up to the age of 14 for their full Accident & Illness policy. Pets 15 years and older are eligible for an Accident-Only plan. Having said that, once your fur baby is enrolled, their coverage is for life, no matter how old they get.

    • Does Embrace cover behavioral treatments?

      As long as this therapy is recommended by your vet, Embrace does cover part of the cost for behavioral therapy.

    • Am I able to purchase the Embrace Wellness Rewards without an insurance policy?

      No, currently Wellness Rewards are not available as a standalone purchase. If you are looking for preventative and wellness coverage, you can easily add this on.

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