Embrace Review

Founded in 2003, Embrace brings nearly two decades of experience to the world of pet insurance. They offer three plans for cats and dogs: accident and illness, accident-only, and preventative care plans. So, if you’re worried about vet expenses in your pet’s future, an Embrace policy can help protect against the cost of a future diagnosis. Additionally, Embrace has a generous diminishing deductible program and multiple discounts.

In order to learn more about Embrace and the coverage they offer, be sure to continue reading below.

Pros and Cons of Embrace



What Does Embrace Offer?

Embrace offers two primary options for dogs and cats: accident & illness and accident-only. Embrace also offers an optional preventative care add-on. This optional coverage helps with costs associated with keeping your pet healthy and free from illness and injury in the first place. See below for a breakdown of each plan.

Accident & Illness


Preventative Care (add-on)

Dogs and cats of all breeds from six weeks old to 15 years old can enroll in Embrace’s accident and illness plan. However, those older than 15 years old can still enroll in their accident-only plan.

What To Expect on the Site

Start the easy process of getting a quote on the Embrace website by clicking on the “Get Quote” button. You’ll then be asked a few questions about your pet:

Embrace will also ask for your contact information and zip code of residence. After that, Embrace will contact you with your custom quote. Simple as that!


Your premium is calculated based on several different factors, including your pet’s breed, age, location, and deductible. So, we can’t can’t get specific about pricing. However, you can quickly go through the free quote process to get a good idea of pricing. Notably, all plans come with a diminishing deductible feature called the Healthy Pet Deductible. If you don’t receive a claim payment in a single year, then your deductible will decrease by $50. Embrace also offers military (both active duty and former members of the armed forces) and multi-pet discounts.

What People Are Saying About Embrace

Based on reviews from customers, Embrace has a Trustpilot score of 4.4 out of 5 stars. As of November 2021, its excellent Trustpilot score breaks down as follows:

In addition, Embrace is accredited by the Better Business Bureau and has an A+ rating.

The Bottom Line

Embrace offers pet insurance policies suiting virtually any scenario and budget. As a result, Embrace can help in times of injury and illness. And if you’re looking to prevent those injuries and illnesses from happening in the first place, then Embrace’s preventative care add-on also has you covered. Throw in a generous diminishing deductible as well as great discounts, and Embrace emerges as a strong option. Give it a look as you compare the best pet insurance providers.

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC 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. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc. + Wellness Rewards not available in Rhode Island.