Our Thoughts on Embrace Pet Insurance
How Embrace Scored in Our Methodology
Embrace Pet Insurance Review: Our Ratings
The table below provides extra details on how Embrace Pet Insurance performed in our 2024 pet insurance study. We’ve also included the average scores from all pet insurance providers in our study to help you compare.
What Does Embrace Pet Insurance Cover?
Embrace provides an accident and illness policy that covers veterinary exams, diagnostics and treatments related to pet accidents, injuries, chronic diseases, genetic conditions and acute illnesses. The company also offers accident-only coverage for pet-related accidents but not illnesses. Additionally, the wellness rewards program provides set benefits for preventive and routine care services.
All Embrace plans exclude pre-existing conditions from coverage unless curable, in which case the company may extend coverage after 12 months without symptoms. The company also considers any conditions that occur during a policy’s waiting periods as pre-existing. Other exclusions include costs related to the following:
- Pregnancy
- Breeding
- Organ transplants
- Guarding duties
- Racing
- Fighting
- Neglect
- Genetic testing
- Supplements
- Several alternative and holistic therapies
Read a sample policy to see all of the fine print and learn more.
Embrace Accident and Illness Plan
The Embrace accident and illness plan covers costs relating to new accidents, injuries or illnesses. Covered conditions include:
- Acute illnesses
- Chronic diseases
- Congenital, hereditary and genetic disorders
- Dental trauma
- Behavioral conditions
Covered treatments include:
- Lab tests
- X-rays
- Advanced imaging
- Cancer
- Non-elective surgery
- Physical therapy
- Specialist visits
- Hospitalization
- Emergency room care
- Prescription medications
Wellness Rewards for Routine Care Plan
Wellness Rewards is a unique program offered by Embrace that resembles a flexible spending account (FSA) for humans. Policyholders pay a fixed monthly cost but have access to a total coverage amount at the beginning of each policy term, plus an additional $50 for opting into the program. Pet owners can choose to spend the full amount — from $250 to $650 — on any approved preventive care services annually. Covered services include the following:
- Vaccines
- Annual exams
- Routine screening tests
- Parasite preventives
- Dental cleanings
- Spay or neuter surgery
- Grooming services
However, note that unused benefit amounts do not roll over at the end of the year.
Optional Add-on Coverages
Exam fees and prescription drug coverage are the only optional coverages available with Embrace, although this varies from state to state. When available, you’ll receive an initial quote with these coverages included but you can de-select either option to save $5 to $10 per month each.
