In-Depth Review
Embrace Pet Insurance Review
Our Verdict
Best for pet owners who want comprehensive coverage with wellness options and a unique diminishing deductible feature. Embrace rewards healthy years by reducing your deductible by $50 each claim-free year — a genuinely innovative approach.
Coverage Limit
$5,000–$30,000 annual (with diminishing deductible)
Monthly Premium
$20–$80
Deductible Options
$200, $300, $500, $750, $1,000
Reimbursement
70%, 80%, 90%
Quick Facts
Pros
- Unique diminishing deductible ($50 reduction per claim-free year)
- Optional Wellness Rewards program for routine care
- 2-day accident waiting period
- 10% multi-pet discount
- Backed by Munich Re, a global reinsurance leader
Cons
- —Annual coverage caps ($5K–$30K) limit catastrophic protection
- —Wellness Rewards is a reimbursement program, not true insurance
- —Claims processing can be slower (5–15 business days)
- —Premiums increase with age
- —Orthopedic conditions have 6-month waiting period
Overview
Embrace has been in the pet insurance business since 2003, making it one of the more established carriers in the market. Underwritten by American Modern Insurance Group (a subsidiary of Munich Re), Embrace offers solid financial backing and a track record of consistent claims payment.
The standout feature is the diminishing deductible: for each policy year you don't file a claim, your annual deductible decreases by $50. Over time, this can reduce your out-of-pocket costs significantly — a reward for maintaining your pet's health through preventive care.
Coverage Details
Embrace covers accidents, illnesses, cancer, orthopedic conditions (after a 6-month waiting period for cruciate ligament issues), diagnostic testing, hospitalization, surgery, prescription drugs, and prosthetic devices. The optional Wellness Rewards program covers routine care including exams, vaccinations, dental cleaning, and flea/tick prevention.
Note that the Wellness Rewards program operates as a fixed annual allowance ($250 or $450) rather than traditional insurance — you submit receipts for reimbursement up to your chosen limit.
Pricing & Premiums
Embrace premiums are competitive, typically ranging from $20 to $80/month depending on species, breed, age, and location. The wide range of deductible options ($200–$1,000) gives you flexibility to balance premium costs against out-of-pocket exposure.
The diminishing deductible provides genuine long-term value: if you maintain a $500 deductible and go 5 claim-free years, your effective deductible drops to $250.
Claims Experience
Claims can be submitted via the Embrace app, website, email, or even fax. Processing typically takes 5–15 business days, which is slower than some competitors but within industry norms. Embrace provides detailed explanation of benefits (EOB) documents with each claim decision.
The company has a reputation for thorough claims review, which can mean longer processing times but also more consistent and fair outcomes.
Expert Take
From Mike Donaldson, AAI, PRC, SBCS, CCIC
Embrace is the carrier I recommend for pet owners who want the most well-rounded policy. The diminishing deductible is genuinely innovative — if your pet stays healthy for a year, your deductible drops by $50. Over 3–4 claim-free years, you can reduce a $500 deductible to $300 or less. No other carrier offers anything like this.
The wellness add-on (Embrace Wellness Rewards) is also one of the better implementations in the industry. Unlike Lemonade's wellness plans which have strict category limits, Embrace gives you a flexible allowance you can apply to any routine care. For pet owners who want one policy that covers everything — accidents, illness, and routine care — Embrace is the most complete package.
The downside is claims speed. At 5–15 business days, Embrace is noticeably slower than Lemonade or Trupanion. The trade-off is that their claims review is thorough and consistent — I see fewer surprise denials from Embrace than from carriers with faster turnarounds. If you can wait a couple weeks for reimbursement, the coverage quality is worth it.
Ready to Get Covered?
Compare Embrace with our top-rated carrier, Healthy Paws.
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