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Embrace Pet Insurance Review 2025
July 1, 2025
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Embrace Pet Insurance is a top-rated provider offering comprehensive, customizable coverage for dogs and cats. Founded in 2003 and partnered with big names like Allstate and USAA, Embrace has earned a strong reputation (about 4.6 out of 5 stars) for its robust plans and customer service.
This review covers Embrace's pros and cons, coverage options, pricing, and whether it's the right choice for protecting your furry family members.
Embrace Pet Insurance Pros and Cons
Pros
- Broad, customizable coverage: Covers illnesses, injuries, hereditary conditions, dental treatment (up to $1,000/year), and alternative therapies like acupuncture.
- Curable pre-existing conditions covered: After 12+ months symptom-free.
- Wellness and preventative care option: Wellness Rewards add-on reimburses routine care without per-item limits.
- Discounts and perks: 10% multi-pet discount, Healthy Pet program (premium discounts), and free 24/7 PawSupport helpline.
- High customer satisfaction: Consistently rated highly and recognized by Forbes and BBB.
Cons
- Limited senior coverage: Pets 15+ only eligible for accident-only plans.
- Higher premiums: Especially with unlimited coverage or cats.
- Extra cost for exam & Rx: Base policy excludes exam fees and prescriptions unless riders are added.
- Orthopedic waiting period for dogs: 6 months unless waived with a vet exam.
- No direct-pay option: Owners must pay upfront and wait for reimbursement.
Coverage and Plans
Accident & Illness Plan: Broad coverage for new illnesses and injuries (pets under 15). Includes hereditary, chronic, cancer, and dental illness coverage (up to $1,000/year). Covers alternative therapies and behavioral care. Customizable with limits from $5k to unlimited, deductibles from $100–$1,000, and 70–90% reimbursement rates.
Accident-Only Plan: For pets 15+ years. Covers injuries with a $100 deductible, 90% reimbursement, and $5,000 annual cap.
Wellness Rewards Add-On: Annual allowance of $250–$650 reimburses 100% of routine care (vaccines, exams, grooming, dental, training, etc.). No deductible or waiting period. Works like a prepaid preventive budget.
Exclusions: Incurable pre-existing conditions, elective procedures, breeding, pregnancy, abuse-related issues. Preventive care excluded unless you add Wellness Rewards. Prescription diets/supplements covered only with wellness add-on.
Pricing and Claims
Embrace averages $39/month for dogs and $27/month for cats, below the U.S. average. Pricing depends on breed, age, location, and coverage level. $25 one-time enrollment fee applies, plus ~$1 per month if you pay monthly. Premiums rise with age, but discounts can help offset increases.
Discounts: 10% multi-pet discount, 5% military discount in some states, and Healthy Pet premium reductions after claim-free years.
Claims process: Claims can be filed via app, web, email, or fax. Typical turnaround is 10–15 days, faster for wellness. Reimbursements by direct deposit or check. No direct vet pay. 30-day money-back guarantee if you cancel with no claims filed.
FAQ about Embrace Pet Insurance
Is Embrace Pet Insurance worth it?
Yes. Embrace is worth it if you want broad, flexible coverage. It covers dental illness, alternative therapies, and offers customizable limits.
Does Embrace Pet Insurance cover pre-existing conditions?
No, incurable conditions are excluded. Yes, curable conditions may be covered after 12 months symptom-free.
Does Embrace Pet Insurance have waiting periods?
Yes. 14 days for illness, 48 hours for accidents, and 6 months for dog orthopedic issues (waivable with exam).
Does Embrace cover dental care?
Yes. Dental illnesses and injuries up to $1,000/year. Routine cleanings only via Wellness Rewards.
Will Embrace pay my vet directly?
No. You pay upfront and get reimbursed 70–90% after your deductible.
Conclusion
Embrace Pet Insurance offers one of the most flexible, comprehensive policies on the market. Its high ratings, quick claims process, and unique features like dental illness coverage, alternative therapies, and 24/7 vet support make it a top pick in 2025. While it's slightly pricier and has age limits for illness plans, many pet parents find the peace of mind worth it.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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