Compare Embrace Pet Insurance

Comparison Fact Sheet
Updated 03/01/2025

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Embrace
Also Known As / Affiliates / Partners Paw Protect, Allstate, American Family Insurance, USAA, Geico, AMAC, AFI.org, SWBC

Embrace was acquired by JAB Holding (a German private equity firm) in November 2023.
Address 4530 Richmond Road
Cleveland, OH 44128
Phone 1-800-511-9172
Website www.embracepetinsurance.com
Plans That Provide Both Accident and Illness Coverage Embrace Accident and Illness Plan *
States Covered Available in all states except Maine
Underwriter and AM Best Financial Strength Rating Insurance underwritten by American Modern Home Insurance Company or American Southern Home Insurance Company.

American Modern Home Insurance Company has an AM Best Financial Strength of "A+" and an Outlook of "Stable" as of 3/1/2025.

American Southern Home Insurance Company has an AM Best Financial Strength of "A+" and an Outlook of "Stable" as of 3/1/2025.

For the most recent ratings go to: AM Best.
Year Company Started 2006

 

Policy Basics
Policy Term 12 Months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age - 6 weeks.

Maximum age - 14 years. Pets 15 years and older are eligible for an accident-only plan at sign up.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period Illness Waiting Period - 14 days

Accident Waiting Period - Not Clear

Dogs - 6 months for orthopedic conditions.
Cats - 14 days for orthopedic conditions

You may be able to reduce the waiting period for orthopedic conditions by following their Orthopedic Exam and Waiver Process. (Contact Embrace for details)

**Waiting Periods can vary by state. Also, the type of orthopedic conditions that fall under the orthopedic waiting period can vary. See actual policy or contact Embrace to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for cruciate injury for dogs.

14 days for cruciate injury for cats.

(See 'Waiting Period' section above)

You may be able to reduce the waiting period for orthopedic conditions by following their Orthopedic Exam and Waiver Process. (Contact Embrace for details)

**Waiting Periods can vary by state. Also, the type of orthopedic conditions that fall under the orthopedic waiting period can vary. See the actual policy or contact Embrace to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? Embrace states you can visit any vet, but it is unclear if this includes vets outside of the United States.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact the company for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? Not Clear
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? Not Clear
Choice of Vet? Embrace states you can visit any vet, but it is unclear if this includes vets outside of the United States.
Money Back Guarantee? Not Clear
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? Pre-certification is optional and can be done for any procedure.
Additional Requirements **See actual policy or call Embrace for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

Embrace now only provides a cover sheet of a brief outline of what is in their policy. You want a full sample policy, not just points they deem important. You want to be able to decide for yourself what is important. Be aware of this when reading their updated sample policy.

Also, if your state has special a AMENDATORY ENDORSEMENT, you have to scroll down to the section in the sample policy that pertains to your state and replace items above it with what is true for your state. This format makes it harder to read and understand.

Before buying, ask Embrace for a full sample policy for your state. If they do not give you one, you will have to decide if this works for you.

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Base policy covers diagnostics and lab tests, surgery, treatments, hospitalization.

Coverage of exam fees is available as an addon.

Coverage of prescription medications is available as an addon.
Illness -
Baseline Coverage		 Base policy covers diagnostics and lab tests, surgery, treatments, hospitalization.

Coverage of exam fees is available as an addon.

Coverage of prescription medications is available as an addon.
Behavioral Therapy Coverage [INCLUDED]

Behavioral Therapy is covered when administered by a veterinarian for a covered condition.

**See actual policy or contact Embrace for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [INCLUDED]

**See actual policy or contact Embrace for a complete list of requirements and for a description of what types of Alternative Therapy are covered.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy cover sheet, pre-existing conditions include, but are not limited to, the following:
  1. "a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
    b. an Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
    c. Undiagnosed conditions with the same Clinical Signs as those in (a) or (b) above are also considered pre-existing."
  2. Bilateral Conditions - "If your Pet has had Clinical Signs, prior to being insured, of a Bilateral Condition on one side of the body, she/he runs a higher risk of the same condition on the other side of the body and future occurrences of the same condition will not be covered. For example, but not limited to, if a dog has been diagnosed with a cruciate tear in his left leg before the end of the Waiting Period, a subsequent cruciate tear in his right leg shall be considered Pre-existing."
  3. "Any Pet diagnosed, treated or showing Clinical Signs of intervertebral disk disease (IVDD) prior to the end of the Waiting Period runs a higher risk of further episodes of IVDD and will not be covered for any future incidences of this condition."
  4. "If a Pet has had Undiagnosed masses prior to the end of the Waiting Period, any mass, or condition where a mass is a Clinical Sign, is not covered, including those caused by cancer. If the cause of the mass that occurred prior to the end of the Waiting Period can be diagnostically narrowed down via cytology, un-related conditions may be covered."
  5. "Orthopedic Accidents and Illnesses occurring or showing Clinical Signs during the Orthopedic Waiting Period, even if the Accident Waiting Period is complete."
  6. "If a Pet has been diagnosed, treated, or was showing Clinical Signs of renal disease prior to the end of the Waiting Period, any renal Treatments and Medications are not covered, as well as any related conditions that may develop. This includes but is not limited to: vomiting, diarrhea, dehydration, constipation, blood pressure or pH issues, and cardiac complications."
  7. "Osteosarcoma diagnosed or showing Clinical Signs within the Orthopedic Waiting Period."
"For the purposes of these exclusions, Temporary Conditions that started before to the end of the Waiting Period that have not shown any Clinical Signs for a period of twelve (12) consecutive months shall not be considered Pre-existing Conditions." (Contact Embrace for a description of what conditions are deemed temporary)

"If your Pet showed Clinical Signs of any Dermatological Condition prior to the end of the Waiting Period, your Pet must be free of any Dermatological Conditions for twelve (12) consecutive months before any Dermatological Conditions may be covered again.""

"If your Pet has been treated for Undiagnosed vomiting and/or diarrhea prior to the end of your Pet’s Waiting Period, your Pet must be free of conditions with the same Clinical Signs for twelve (12) consecutive months before any conditions with the same Clinical Signs may be covered again."

**See actual policy or contact Embrace for complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered.

These types of conditions are covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

Hereditary and congenital conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout.

(See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Osteosarcoma (bone cancer) falls under the 6 month waiting period for orthopedic conditions. Waiting Periods can vary by state. Also, the type of orthopedic conditions that fall under the orthopedic waiting period can vary. (See 'Waiting Period' section above)

According to their sample policy cover sheet: "If a Pet has had Undiagnosed masses prior to the end of the Waiting Period, any mass, or condition where a mass is a Clinical Sign, is not covered, including those caused by cancer. If the cause of the mass that occurred prior to the end of the Waiting Period can be diagnostically narrowed down via cytology, un-related conditions may be covered."
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)

Hip dysplasia may be considered a bilateral condition. (See 'Bilateral Conditions Policy' section below)

There is a 6 month waiting period after the policy effective date for orthopedic conditions. Waiting Periods can vary by state.
You may be able to reduce the waiting period for orthopedic conditions by following Embrace's Orthopedic Exam and Waiver Process.
Prescription Drug Coverage [OPTIONAL]

**See actual policy or contact Embrace for their full description regarding prescription medications.
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) Dental Injuries:
Dental Accidents are covered as long as they are not pre-existing and have not occurred during the waiting period.

They cover "Endodontic Treatment for dental Injuries, such as root canals and crowns, for all adult canine teeth, upper 4th premolar j. k. l. teeth, and 1st molar teeth"

Dental Illness: They cover dental "illness affecting the teeth and/or gums including but not limited to gingivitis, stomatitis, attrition, and gingival hyperplasia. This does not include FORLs or Illnesses manifesting as oral diseases such as FELV gingivitis, feline bartonella infection, or auto-immune (eosinophilic) stomatitis"

It is not clear if endodontic and orthodontic treatment are covered for dental Illnesses.

Dental Illnesses are covered up to a $1,000 Annual Maximum as long as they are not pre-existing and have not occurred during the waiting period.

**See actual policy or contact Embrace for full list of inclusions and exclusions.
Bilateral Conditions Policy According to their pre-existing conditions policy:
"...If your Pet has had Clinical Signs, prior to being insured, of a Bilateral Condition on one side of the body, she/he runs a higher risk of the same condition on the other side of the body and future occurrences of the same condition will not be covered. For example, but not limited to, if a dog has been diagnosed with a cruciate tear in his left leg before the end of the Waiting Period, a subsequent cruciate tear in his right leg shall be considered Pre-existing."

**See actual policy or contact Embrace for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents.

[Included] Cancer, Behavioral Therapy, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional Add Ons] Exam Fees, Prescription Medications, Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)

**See actual policy or contact Embrace for full list of inclusion, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Pregnancy, Breeding
  • Organ transplants
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $100, $250, $500, $750, or $1,000
Flat Deductible vs % Deductible Flat Deductible
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined It is unclear whether reimbursement is based on Actual Vet Bill or UCR.

Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
Max Payout Annually Choose from $2,000, $5,000, $10,000, $15,000.

Unlimited payout may be available in some states. Call the company for details.

There is a max payout of $1,000 annually for Dental Illness. (See 'Dental Care -Illness/Accident-' section above)
Max Lifetime Payout Embrace does not have a maximum lifetime payout
Max Payout per Incident Embrace does not have a maximum payout per incident
Max Payout Based on Body System Embrace does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $20 - $230 depending on your location, the options you pick, etc.

 

Additional Info
My Review Embrace Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Embrace pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Embrace for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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