April 23, 2024

If you own a pet, you’ve probably already realized just how quickly the costs can add up. Pet insurance is one way to help bring down unexpected expenses, and Embrace’s pet insurance is a strong option for those who are looking for coverage.  

Here’s what you need to know about Embrace before enrolling your pet, and how to decide which pet insurance is right for you.  

Embrace pet insurance

Embrace Pet Insurance

  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    A variety of maximum annual limits, reimbursement choices and deductibles allow you to tailor coverage to your needs and budget. A two-day waiting period for accident policies can also help get your pet covered sooner, though illnesses have a 14-day waiting period.

  • App available

  • Standout features

    Embrace offers the option of unlimited annual coverage limits. It also offers coverage for non-invasive treatments, like chiropractic care, hydrotherapy and acupuncture.


  • Unlimited annual coverage is available
  • Shorter two-day waiting periods for accident coverage
  • Available in all 50 states and Washington D.C.


  • Accident and illness coverage is limited to pets under age 15
  • No option for wellness insurance coverage

What we’ll cover


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.  

Policies offered  

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.

How it compares  

ASPCA Pet Insurance

  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    ASPCA’s pet insurance has been operating since 1997, making it one of the oldest providers in the space. Coverage is available at eight weeks old, and there’s no maximum age limit. A 30-day money-back guarantee is available for all policies if no covered claims are filed.

  • App available

  • Standout features

    An app makes for a simple claims filing experience, and reimbursements are available by direct deposit. ASPCA pet insurance also offers coverage for horses.

Embrace might also fall short for those wanting a true wellness insurance policy that can pay for routine care expenses and exams. Embrace’s wellness rewards program functions more as a budgeting technique for your pet’s expenses than a true insurance policy. We chose Pets Best as our top choice for pet insurance with wellness coverage.

Pets Best Pet Insurance

  • Cost

    The best way to estimate your costs is to request a quote

  • Policy highlights

    Available in all 50 states, Pets Best is a standout for its affordable rates. While wellness policies are available, Pet’s Best focuses on accident-only policies and accident and illness policies.

  • App available

  • Standout features

    Pet’s Best offers coverage to cats and dogs as young as 7 weeks old, and has no maximum age limit. An option to pay your vet directly is available.

It’s worth noting that Embrace has annual deductibles on its policies. With this type of deductible, you must meet the deductible for covered conditions once each year before reimbursement begins. Some other pet insurance companies function differently and have deductibles applied each time your pet visits the vet for a covered condition. Annual deductibles can be simpler to keep track of but could be less advantageous if your pet faces recurring illnesses or chronic conditions that force you to pay the deductible amount every year.

Embrace offers a competitive variety of coverage and features to help you keep your pet healthy. However, it’s always worth getting quotes from several different insurers since each considers you and your pet’s information differently.  

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Bottom line

Embrace can be a strong option for pet parents wanting to get accident-only or accident and illness insurance. With strong ratings for financial strength and customer satisfaction, this pet insurance can help you take care of your pet and your wallet. To get the best deal on pet insurance, make sure to shop around and be sure pet insurance is the right move for you and your cat or dog.  

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every pet insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of pet insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best pet insurance.

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Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.