Embrace Pet Insurance Coverage | One Of The Best Plans 2022

Embrace Pet Insurance Coverage is the best insurance for pets. It makes owners trust them to take care of their pets. Read about coverage, pricing, and plans.

Company Overview:

Embrace Pet Insurance Coverage began as an idea in 2003 and it won the 2003 Wharton Business Plan Competition. Embrace Pet Insurance Coverage became official in 2006 by solid its first pet insurance policy.

Embrace Pet Insurance Coverage is a Cleveland-based company underwritten by Cincinnati's American Modern Insurance. After several years, the company was developed by its work and partners to be written by the American in 2012. In 2015 the company made many digital initiatives.

Nowadays in 2022, The embrace of Pet Insurance Coverage rates is No.3 among other pet insurance companies.

embrace pet insurance coverage

Some information about embrace pet insurance coverage include:

  • Has mobile apps for Android and iOS.

  • Has 24/7 veterinarian health line website chat for its customer service.

  • Donates $2 to charity for every policy solid.

  • Launched charitable project in 2020 more than $200,000.

  • It started in 2006.

  • Its waiting period is two to 14 days.

  • Deductible: $200 to $1,000.

  • It's customer service Forms: fill it now.

  • Customer Service Telephone: (800) 511-9172.

  • Company website.

Pros of embrace pet insurance coverage:

  1. Multiple discounts:

Embrace Pet Insurance Coverage offers discounts to pet owners that have multiple pets and are in the military.

    2. Medical review:

After you record in the embrace Pet Insurance Coverage, automatically the embrace will review your pet’s veterinary records free of charge. You should notice that the pre-existing conditions won’t be covered. If you don't like any work in the embrace program, cancel your record within 30 days from the embrace.

    3. Care:

Examine pets from fees to special care, specific veterinarian care, and additional coverage.

      4. Offers Wellness Rewards:

Embrace offers coverage for your pets in an accident as if your pets have an accident by car or eat something they should not.

      5. Deductible:

If your pets grow with good health without any accidents or illness, then embrace reducing your annual deductible by $50.

Cons of embrace pet insurance coverage:

  1. unlimited or zero-deductible options:

When you receive a policy from embrace company, you will have a restricted option from a minimum deductible of $200 to a maximum annual limit of $30,000.

     2. Limited wellness benefits:

That offer in emergency cases for wellness claims, it's an expensive non-insurance offer that is a useful action for saving your account in the embrace of $650 in benefits per year.

      3. Hidden fees:

new full insurance coverage plans for your pets 14 years or younger. If you don't pay for them, it will charge a monthly installment fee.

       4. Embrace doesn't include:

  • Doesn't include routine treatments such as wellness exams and grooming.

  • Doesn't cover pre-existing conditions and your pets have been free of symptoms and not treated for any conditions for at least a year.

embrace pet insurance coverage

Embrace pet insurance coverage plans: 

Embrace offers two kinds of coverage plans:

  1. An accident-only plan:

This plan covers veterinary care for some things as

  • Bloat.

  • Poisoning.

  • Cuts.

  • When your pets get in an accident hit by a car.

Then you pay a $100 annual deductible and embrace 90% of veterinary bills up to $5,000 per year. This plan is a general plan for accidents.

     2. Medical illnesses:

  • Include congenital conditions.

  • Dental illnesses.

  • Cancer.

  • Chronic conditions like allergies and arthritis.                                       

3. Embrace Plans included Some Wellness Rewards for Routine Care for your pets are:

  •  Flea.

  • Tick.

  • Heartworm medication.

  • Blood Tests.

  • Microchipping.

  • Medicated shampoos.

  • Routine veterinarian visits.

  • Spay and neuter surgery.

  • Teeth cleaning.

  • Prescription diet food.

embrace pet insurance coverage

Coverage Exclusions:

Embrace pet insurance coverage plans exclusion is pre-existing conditions as:

  •  Any injury.

  •  Illness.

  • Irregular status for your pets by you or your veterinarian. 

To know if your pets have pre-existing conditions, your pet must receive an examination from its vet 12 months prior or 14 days after the enrollment.

Then the start date of the policy is within two days.

You can request a free medical history review after your record in Embrace and if you disagree with the embrace pet insurance coverage offered, you can cancel it.

plan exclusive that as:

  • Cosmetic.

  • Aesthetic.

  • Elective surgeries like ear cropping and declawing.

Plans of Embrace

Embrace Pet Insurance coverage

Accident-only plan and illness plan

Wellness Rewards

Examination of fees


Blood Tests


Medical coverage




Continued treatment


Genetic conditions    


Preventive care    




Spay and neuter surgery




Dental treatment


Behavioral treatment




Alternative and holistic care


Medical boarding


Cremation and burial


Plan Pricing:

Embrace Pet Insurance coverage makes the price for accident and illness coverage in many policies start at under $7 per month for cats and $14 for dogs, But the wellness rewards coverage isn’t inside the program of price, it's as budget-friendly.

To benefit from this budget you can double or triple your monthly premium, after that you can pay by year's premiums, by that you save about $25 before you hit your annual limit.

If you choose the wellness rewards coverage, you save your money and benefits by year from the routine insurance coverage care.

embrace pet insurance coverage

Here are some of the pricing of Embrace:

For Dogs:

Breed Name

Under 1 YO

3 YO

5 YO

8 YO

10 YO

Labrador Retriever






German Shepherd Dog






Golden Retriever






French Bulldog






For Cats:

Breed Name

Under 1 YO

3 YO

5 YO

8 YO

10 YO







Exotic Shorthair






Domestic Shorthair






British Shorthair






Waiting Periods:

You should wait for 14 days to embrace pet insurance coverage to begin its coverage for your pets, but other competitors as orthopedic conditions make you wait for six months.   

embrace pet insurance coverage       

Embrace pet insurance coverage  vs. the Competition:

  1. Embrace Pet Insurance vs. Trupanion:

Trupanion coverage prices are more expensive than Embrace coverage prices. You can pay twice as much in Trupanion than Embrace.

If your pets have chronic conditions such as allergies, You should use the Trupanion because Embrace plans do not include the chronic conditions, in that case, the Trupanion is cheaper.

Embrace Pet Insurance coverage is cheaper for whole treatment and illness.

Trupanion doesn't raise the budget of money over the pet's lifetime, while Embrace may raise the budget over time.

Trupanion plans pay 90%, you choose to embrace pet insurance coverage and payout percentage. Embrace has cheaper, more flexible insurance coverage payout percentages, but Trupanion is good for fixed-rate lifetime coverage and fewer deductibles in chronic conditions.

   2. Embrace Pet Insurance vs. Healthy Paws:

Healthy Paws plans are more expensive than Embrace plans for your pets. However Healthy Paws doesn't have an annual limit, Embrace plans have an annual limit for the lifetime of animals.

Healthy Paws starts its program within two days, but Embrace takes 10 and 15 business days. Embrace pet insurance coverage covers dental health by $1,000 per year, but the Healthy Paws doesn't cover dental health except for accidental injuries.

Healthy Paws doesn't cover behavioral treatments, while Embrace covers it.

If you want all pets coverage and cheaper you choose the embrace pet insurance coverage. But Healthy Paws is good when you want a cheap cost in annual limit.

Some of your questions about embrace:

  • Does Embrace pet insurance coverage contain birds and exotic animals?

No, Embrace doesn’t cover birds or exotic animals.  

But, Nationwide offers pet insurance coverage policies for those species.

  • Does Embrace pet insurance coverage contain hip dysplasia?

Yes, Embrace offers coverage for hip dysplasia and other hereditary and chronic conditions. But it doesn’t cover pre-existing conditions.

embrace pet insurance coverage


If you want cheaper and full insurance coverage plans you choose to embrace pet insurance coverage, but remember that Embrace doesn’t cover pre-existing conditions before your policy starts.

Dear reader Read more about:

Your Ultimate Guide To Embrace Pet Insurance.

Nationwide Pet Insurance Organization.


Trupanion Pet Insurance Coverage.

USAA Pet Health Insurance.

By: Nermeen Hassan.

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