Embrace Review

Embrace Pet Insurance takes the guesswork out of protecting your pet. Your pet is family and no matter what happens you want to be there for them. In an emergency, the last thing you should worry about is finances, so Embrace Pet Insurance works hard to cover costs while you focus on what's important. Rated A+ by the Better Business Bureau, Embrace is an insurance plan designed with your pet in mind. With its personalized policies, you can decide what's right for you and your family while your pet receives some of the best coverage on the market. 

Ready to see what Embrace has to offer? Get started with a free, online quote that gets your pet covered in a few business days. 

Thoughtful Coverage

While some pet insurance companies refuse to cover breed-specific conditions, chronic ailments, and other common illnesses, Embrace offers extensive protection for your dog or cat. Not all conditions are covered, but rather than indiscriminately dispute all pre-existing conditions, Embrace fairly evaluates pre-existing conditions to determine what they can and cannot help with. 

Wellness Rewards

Embrace’s Wellness Rewards is a pet wellness membership program that reimburses pet owners for routine screenings and preventive care services, such as vaccinations, grooming, and training. While it’s not an insurance policy, it can be added to accident and illness plans as an optional feature. Designed as a budgeting tool, it encourages proactive pet care by offering rewards for staying on top of your pet’s health needs.

The Claims Process

When you think of insurance, you imagine a long, drawn-out process involving insurance agents, networks, and complicated policies. Embrace takes the complexities out of insurance policies, breaking down the claims process into three easy steps: 

1. Take your pet to any licensed vet, specialist, or emergency room. 

2. Provide an itemized invoice. We no longer require a claim form when submitting a claim online through our customer portal or in our app.

3. Get reimbursed for money spent on medical bills. 

While you're in the middle of a critical situation, you shouldn't spend time checking to see which office is in your insurance network. Because of Embrace's easy set-up, you don't have to think about insurance and policies after an accident. 

Compare Coverage

Embrace is designed with pets and pet owners in mind, even setting up their website in a way that allows you to compare their coverage with competitors. You can easily review the coverage details of your Embrace plan, and from there, you can decide whether or not Embrace is right for you. Embrace personalizes your plan based on your pet's history and the type of coverage you're looking for.

If you're ready to stop worrying about what you'd do financially in an emergency situation with your dog or cat, you can start looking into Embrace's full-coverage policies with a free online quote. To receive an initial quote from Embrace, you will first answer their simple questionnaire requesting breed, age, and location of your pet. From there, you can fully customize each of your pet’s individual policy parameters (deductible, annual maximum, and reimbursement percentage). This will allow you to personalize your pet’s insurance to fit both your budget and your pets needs.

Get started today in no time with a quick, easy online quote to see how pet insurance fits into your monthly budget.  

Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. CareCredit is a credit product offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace. For full terms and conditions, visit Terms & Conditions. Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address. *Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI. (c) 2025 American Modern Insurance Group, Inc.