Embrace Pet Insurance Review 2023

Embrace’s pet insurance covers cats and dogs in 49 US states and the District of Columbia. It stands out for its accident and illness and accident-only policies, which can have maximum annual reimbursement limits ranging from $5,000 to an unlimited amount. Embrace also offers an additional wellness rewards plan that can cover routine care costs including vaccinations, microchipping and grooming.  

Embrace has been insuring pets since 2006. Policies are backed by American Modern Insurance Group, which has an A+ financial strength rating from AMBest, a credit rating agency that grades insurance companies on their ability to meet their financial commitments. Embrace also received an A+ rating from the Better Business Bureau, and has an average customer review rating of 3.36 out of five stars based on 217 reviews, one of the higher scores we’ve seen in the pet insurance companies CNBC Select has reviewed.  

Embrace offers two of the three main types of pet insurance: accident and illness and accident-only pet insurance.  

While Embrace does offer a wellness program, it’s not an insurance policy. Instead, it’s a pool of money set aside to cover routine expenses, either $250, $450 or $650 per year. However, any balance remaining won’t roll from year to year.  

That said, Embrace offers a lot of value with its accident and illness and accident-only policies. Embrace’s policies cover exam fees, so you won’t be on the hook for the full price of the vet visit. Here’s what you need to know about what these policies cover.  

Accident-only policy  

Embrace’s accident-only policy can help cover expenses related to accidents, including mishaps like poisoning, ingesting an object, or cuts. The accident-only policy can also help pay for medications prescribed as a result of the accident.  

While this policy won’t cover as many circumstances as the accident and illness policy, it’s also easier to qualify for, making the accident-only policy a good option for pets that are age 15 or older or have incurable pre-existing conditions.

Accident and illness policy 

The accident and illness policy includes all the coverage from the accident policy, plus coverage for new illnesses your pet may develop. Some of the conditions this policy can cover include:  

• Breed-specific conditions 
• Cancer  
• Chronic conditions 
• Orthopedic conditions 
• Dental illnesses (up to $1,000 per year)  

One exceptional feature of Embrace’s accident and illness policy is prescription drug coverage — as long as the condition is covered by the policy, any related prescription medications are covered as well.  

Additionally, included coverage for complementary treatments can help pay for alternative treatments for your pet, including acupuncture, chiropractic visits, hydrotherapy, physiotherapy and laser treatments.  

Like all other pet insurance companies, Embrace doesn’t cover pre-existing conditions, or any illnesses or injuries that your pet had before signing up for the policy and completing the waiting period. However, Embrace does distinguish between incurable pre-existing conditions and those considered curable, such as respiratory or urinary tract infections.

If your pet goes 12 months without showing any symptoms or receiving any treatment for a curable pre-existing condition, then Embrace may still cover them under its accident and illness policy. Not all companies make this distinction between curable and incurable pre-existing conditions, which could make Embrace a good choice for owners with a pet suffering from a temporary affliction.  

While we’ve reviewed other pet insurance companies that offer more discounts than Embrace does, the company does have two valuable offers for policyholders:

• 10% multi-pet discount. If you have multiple pets, you can insure them all and save 10% automatically.  
• 5% military discount. Active and former military members can save 5% on insuring their pets. However, this discount isn’t available in New York or Tennessee.