We understand how much you love your pet and know you’d never deny them quality medical care. What if the expense was more than you could handle? Embrace Pet Insurance can cover those unexpected expenses, and you’ll never have to deny your beloved pet the care they need.
Choosing the right pet insurance company can be daunting. There are loads of different options, price points, and exclusions to sift through. That’s why we’ve done the work for you. Our Best Pet Insurance in California and our nationwide overview lists include the best policy options, and this Embrace Pet Insurance review dives deep into Embrace’s specific options.
Pros
Coverage for hip dysplasia
Coverage for other congenital disorders
Up to unlimited maximum coverage
Up to 90% reimbursement
Low deductible options
Plenty of add-on options are available
Cons
16-day illness waiting period
6-month orthopedic coverage waiting period
No option for direct pay to the vet
Embrace Pet Insurance Review: Features and Benefits
Embrace Pet Insurance is a trusted name in the industry. With comprehensive coverage for elder pets and the inclusion of hip dysplasia treatment in standard accident and illness policies, they are a serious contender in the pet insurance space. Furthermore, its accident coverage begins immediately, eliminating a waiting period.
Veterans will love Embrace for their 5% discount on all plans.
- Hip Dysplasia coverage on all accident and illness policies
- Extra office visits for senior pets
- Dental illness coverage
- Wellness plan add-ons
- 5% discount for veterans
- No waiting period for accident coverage
Embrace Pet Insurance Review: Editorial Rating
Trusted Company Reviews Rating Score for Company name: 8.9/10
Embrace landed on our list of the Best Pet Insurance in California with a score of 8.9/10. They scored high points for including hip dysplasia in their accident and illness coverage. Pet insurance policies often exclude this serious illness, leaving breeds such as German Shepherds, Labrador Retrievers, Bulldogs, Saint Bernards, and hip dysplasia-prone pups without coverage. Treatment can be costly, but Embrace even covers dogs whose breed is prone to the illness.
Furthermore, Embrace loves elder dogs and not only covers them but also allows coverage for additional visits to keep them healthy well into advanced age.
The only points lost were due to the lack of a direct pay option and reimbursement percentages that cap out at 90%. This means you’ll always be responsible for at least 10% of your pet’s medical costs.
| EMBRACE | |
| Reimbursement or direct Pay? | Reimbursement |
| Maximum Annual Coverage | $5,000 -Unlimited |
| Reimbursement Options | 70%, 80%, 90% |
| Deductible Options | $100, $250, $500, $750, $1000 |
| Waiting Period | 16 days for illness coverage, 6 months for orthopedic coverage |
| Multi-pet discount | 10% |
| Additional Options | Exam fee add-on, Prescription drug add-on, wellness plan package available, veteran discount |
| Exclusions | Pre-existing conditions, preventative care, breeding, spay/neuter |
About Embrace Pet Insurance
Embrace truly does its best to offer pet parents the best possible coverage for their pets. For instance, while other providers have a hard line against covering pre-existing conditions, Embrace handles things differently. If your pet has a pre-existing condition but has been symptom-free for one year, Embrace will cover treatment if it returns.
Embrace also handles wellness differently. Rather than offering an additional wellness policy, they offer a Wellness Rewards program. When you opt for Wellness Rewards, you’ll automatically receive $25 towards your coverage on day 1. Each month, you’ll pay into your rewards account, but you’ll have full access to the total amount of the plan limit starting on day one. Think of it as a healthcare savings account. You can choose coverage amounts of $250, $450, or $650 annually. There is no waiting period, and Embrace will add the cost directly to your monthly insurance premium.
If charitable giving is important to you, you’ll love Embrace’s dedication to giving back. For starters, the company matches all employee donations. Whether the employee chooses a pet-focused charity or another they are passionate about, Embrace matches them all. They also provide all employees with Volunteer Time Off during which they can spend time supporting the causes which mean the most to them. In addition to employee-focused giving, Embrace gives to pet-focused charities around the country. In 2023, they donated more than $506,000 and over 1600 volunteer hours to 150 nonprofits.
How does Embrace work?
Embrace Pet Insurance is a reimbursement-based policy. This means that when your pet requires medical care, you’ll take them to the licensed veterinarian of your choosing. There’s no need to find one that “accepts” Embrace Pet Insurance.
Once your pet has been cared for by the vet, you’ll pay the bill. Then, you’ll submit a claim through Embrace and receive reimbursement for fees associated with covered services.
Does Embrace Pet Insurance cover neutering?
Embrace’s Wellness Rewards plan covers spaying and neutering. This plan allows you to pay into the program monthly as part of your premium and then utilize the savings to pay for wellness needs such as sterilization, vaccination, fecal testing, and more.
Does Embrace Pet Insurance cover dental?
Embrace Pet Insurance covers dental care when necessary due to illness. For instance, if your pet develops an infection in their gums, their care may be covered. However, only the Wellness Reward plan offers coverage for preventative cleanings. If you’re interested in making sure you receive reimbursement for those services, choose the Wellness Rewards option when purchasing your policy.
What Does Embrace Pet Insurance Cover?
Embrace pet insurance offers comprehensive policies that cover pets of all ages. They even provide coverage for senior pets, something other insurance plans don’t allow.
Embrace’s basic accident and illness policy includes coverage for injuries and sickness, as well as dental illness, cancer, breed-specific conditions, genetic conditions, congenital conditions, preventable conditions, hospital and surgical care, and more. Their coverage of breed-specific, congenital, and genetic conditions sets them apart from other providers, as standard policies typically exclude them.
Embrace also offers a Wellness Rewards add-on that provides coverage designed to keep your pet healthy rather than only cover them in case of illness or injury. With the add-on, you can receive reimbursement for wellness exams, vaccinations and titers, gland expression, prescription pet food, grooming, flea, tick, and heartworm prevention, microchipping, and more.
As is standard with most pet insurance policies, Embrace excludes pre-existing conditions, breeding and pregnancy care, injuries related to neglect or abuse, injuries from fighting or racing, cosmetic procedures, and a few other specific instances. Another feature that sets them apart from other pet insurance providers is that they allow coverage for pre-existing conditions if they return after one year of being symptom-free.
| EMBRACE | ||
| Covered Under Basic Policy | Covered Under Wellness Rewards Only | Excluded |
| Care after an accident | Wellness Exams | Pre-existing conditions of any kind |
| Care for an unexpected illness | Vaccinations & Titers | Breeding, whelping, pregnancy |
| Dental illness care | Routine gland expression | DNA testing or cloning |
| Breed-specific, congenital & genetic conditions | Cremation & burial | Deliberate injury |
| Cancer treatment | Blood & fecal testing | Injury from fighting, neglect, racing, or cruelty |
| Chronic Conditions | Alternative treatments | Cosmetic procedures |
| Preventable conditions | Prescription pet food | Avian flu treatment |
| Orthopedic conditions | Flea, tick, & heartworm prevention | Treatment for injury or illness related to nuclear war |
| Complimentary treatments & rehab | Grooming, medicated shampoos, toenail trimming | |
| Hospitalization | Training | |
| Surgical care | Spay & Neutering | |
| Specialist care | Microchipping | |
| Diagnostic Testing | Preventative dental cleaning | |
| Prescription Drugs | Training | |
Embrace Pet Insurance Review: Cost and Deductibles
Embrace Pet Insurance plans are customizable to fit your needs and budget. Pet parents can design a basic policy that offers coverage for as low as $8/month. However, lower deductible plans with higher coverage options and a wellness add-on will be more expensive.
It’s free to visit Embrace Pet Insurance’s website for a quote. Simply enter your pet’s information and toggle the options to create a policy that fits your needs.
Embrace Pet Insurance Waiting Period Information
Embrace Pet Insurance offers accident coverage starting on your policy’s effective date. Sixteen days later, illness coverage begins. This is standard for most pet health insurance policies.
Embrace Pet Insurance Reviews
Embrace Pet Insurance has a Trustpilot score of 4/5 and over 4,000 reviews. Most consumers were happy with their policy, praising the Embrace app’s ease of use, simple claim submissions, and quick reimbursement turnaround time. Some also stated that Embrace’s customer service was courteous and efficient. Most were thankful for the coverage when emergencies arose and their pet required expensive veterinary care.
Some pet parents were disappointed in Embrace’s coverage, noting that they felt Embrace had unjustly denied their claims. Some were also frustrated after Embrace changed its policy to exclude coverage of some older pets in California.
A representative from Embrace appears to reach out to dissatisfied customers in an attempt to make things right.
Embrace Pet Insurance Vs. ASPCA
Embrace Pet Insurance and ASPCA Pet Insurance were both featured on our list of the best pet insurance companies in California. Embrace received an overall score of 8.9/10 and ASPCA received a score of 8.7/10.
Both companies offer reimbursement-style plans with 70%, 80%, or 90% coverage options. Embrace sets itself apart by offering unlimited maximum annual coverage and immediate accident coverage with no waiting period. The ASPCA policy has an edge over Embrace in providing 24/7 pet telehealth and online pet health triage with every policy.
| EMBRACE vs ASPCA | ||
| EMBRACE | ASPCA | |
| Reimbursement or direct Pay | Reimbursement | Reimbursement |
| Maximum Annual Coverage | $5,000 -Unlimited | $2,500-$10,000 |
| Reimbursement Choices | 70%, 80%, 90% | 70%, 80%, 90% |
| Deductible Choices | $100, $250, $500, $750, $1000 | $100, $250, $500 |
| Waiting Period | 16-days for illness coverage, 6 months for orthopedic coverage | 15-days |
| Multi-pet discount | 10% | 10% |
Embrace Pet Insurance Alternatives
Need other options to help protect your pets? Here are other pet insurance reviews by Tammy at Trusted Company Reviews:
Frequently Asked Questions
How to cancel Embrace Pet Insurance?
Is Embrace Pet Insurance accepted everywhere?
Do all vets take pet insurance?
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health-related topics.
Tammy McKinney
Last Updated: July 7, 2025
Editorial Reviews
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