Pet Insurance · April 8, 2023 0

Embrace Pet Insurance Review 2023

Embrace Pet Insurance Review 2023

Concerning Embrace Pet Insurance

As pet parents ourselves, the team at Embrace created the pet insurance we wanted: best-in-show policies, a simple claims process, and extra support at every step of the pet parent journey. But we didn’t stop there. We also built a company where people like us would want to work – one with a fun and vibrant culture, exemplary benefits, and the flexibility to succeed both at work AND at home. Embrace has been recognized numerous times as a top workplace, including Great Place to Work certification, seven Top Workplace Awards from The Plain Dealer, and ten NorthCoast 99 Awards. Interested in joining our team?

Visit to learn more.

What’s covered: Embrace, unlike the other providers in our ranking, only offers an accident/illness coverage for cats and dogs. Embrace offers one of the smallest accident waiting periods of any company in our assessment, at two days. It has a 14-day waiting time for diseases, which is comparable to the other firms in the rating, as well as a six-month waiting period for orthopedic difficulties. Embrace will reduce a customer’s deductible by $50 for each year that a pet owner does not submit a claim. Furthermore, the organization provides a 10% discount for insuring more than one pet.

What’s not covered: Embrace does not cover preventative care, but the insurer does provide a non-insurance-based Wellness Rewards plan that includes routine checkups, spaying/neutering, teeth cleaning, and other services. Embrace, like all insurers, does not cover previous conditions.

Accident-only policies offer a $100 deductible, a 90% reimbursement if the deductible is reached, and $5,000 in coverage. The accident/illness plan provides up to 90% coverage, with coverage limits ranging from $5,000 to limitless.

Plans Available from Embrace Pet Insurance

Embrace Pet Insurance provides two types of insurance plans: accident-only and accident-and-illness. The accident-only plan is for pets with pre-existing illnesses or who are beyond the age of 14.

The accident-only plan pays for veterinarian care in the event of an accident, such as being struck by a car, fracturing a bone, eating a foreign item, or being diagnosed with bloat, cruciate ligament illness, or foreign body ingestion. It covers 90% of veterinarian expenditures for covered illnesses up to $5,000 per year after a $100 yearly deductible. If your dog or cat is 15 years old or older, Embrace’s accident-only plan is the sole option.

The more comprehensive accident-illness plan includes coverage for both accidents and medical ailments, including as congenital problems, dental illnesses, cancer, and chronic disorders such as diabetes or arthritis. Specific diseases may have a maximum coverage amount that exceeds the yearly limit of the insurance. For example, dental disease coverage is limited to $1,000 per year.

It’s worth mentioning that if your pet enrolls in the accident/illness plan before the age of 15, coverage is applicable for life. You will not be required to convert to an accident-only policy.

Preexisting conditions are not covered unless two conditions are met:

The illness is treatable.
For at least 12 months, the pet has been symptom- and treatment-free.
Embrace examines your pet’s medical history over the previous year to identify what is a prior condition and what may be excluded from coverage.
Pregnancy, DNA testing, cosmetic treatments, normal veterinarian visits, and deliberate injury are all excluded.

Every Embrace coverage includes a Healthy Pet Deductible. This implies that your yearly deductible decreases by $50 for each year you go without filing a claim.

What is the cost of Embrace Pet Insurance?

Embrace  $29.71 $12.22
Spot » $36.54 $16.51
Lemonade » $19.44 $11.00
Trupanion » $70.12* $30.88*
Healthy Paws » $26.89 $11.93
Pets Best » $44.37** $16.54**
Nationwide » $56.74*** $28.15***
ASPCA Pet Health Insurance » $36.54 $20.17
Figo » $31.34 $18.18
Fetch by The Dodo  $35.25 $20.16



Families with insurance can see any licensed veterinarian.

Accidents have a two-day waiting period.

lowering deductibles in exchange for zero claim reimbursements


Exotic pets such as rabbits and reptiles are not covered.

In certain circumstances, there is a six-month waiting time for orthopedic coverage.