Embrace Review

Embrace Review

Visitor Rating2 Votes
Our Rating

What Stands Out About Embrace

✅ Listed first as best pet insurance by Forbes.

✅ Embrace members can visit any vet. There are no networks.

✅ Up to 90% reimbursement for veterinary expenses.

✅ Offers a special, add-on wellness program to supplement plan.

✅ Once on a member, Embrace will never drop or reduce your total plan.

Plan Options

  • Annual reimbursable limit is adjustable ($5,000 and up).
  • Annual deductible is adjustable ($200 to $1,000)).
  • Reimbursement percentage is adjustable (70%, 80%, 90%).
  • Add-on “Wellness Rewards for Routine Care” ($250 to $650 per year).

What’s Covered on Embrace

  • Physical exams
  • Surgeries
  • X-rays
  • Ultrasounds
  • Laboratory tests
  • Hospital visits for services
  • Post-procedure in-hospital care
  • Most prescription medications
  • Humane euthanasia
  • Medical waste disposal
  • Emergency care
  • Oncology care
  • Behavioral therapy
  • Acupuncture
  • Laser therapy
  • Biopsies

What’s Not Covered on Embrace (Exclusions)

  • Pre-existing conditions
  • Preventative care
  • Treatments for accidents/illnesses from pre-existing conditions
  • Alternative treatments
  • Medical boarding
  • Treatment for deliberate injuries or illness
  • Cosmetic, aesthetic or elective surgeries
  • Natural supplements, vitamins, and foods

Claims Process

  • Claims can be submitted on MyEmbrace application.
  • Claims can also be submitted via email, fax, or postal mail. 
  • Claim forms for each pet can be found on the MyEmbrace app
  • Claims are processed in 10-15 business days.
  • Reimbursements are paid by direct deposit or by check.
  • Direct deposit payments arrive within 3 business days.
  • Payments by check take 10 business days.
  • All payment methods can be changed on the app.
  • Wellness Rewards are usually processed in 5 business days.
Our Rating
Our Conclusion for Embrace

Embrace is as comprehensive as any plan. It covers the normal illness, accident, and hospital costs. On top of that, Embrace is one of the most customizable pet health plans where you can adjust annual max limits, annual deductibles, and reimbursement percentages. The ultimate goal of this plan is to get the right and most affordable monthly price.

Wellness Rewards for routine care is Embrace’s special supplemental plan that reimburses for routine care. These rewards are also adjustable at $250, $450 or $650 a year. Last, there is also an option to pay for your pet plan annually or monthly. As for discounts, Embrace offers a military discount and a small discount for members who select the annual payout option.

Ease of Use
Visitor Rating2 Votes
No Networks. Visit any vet you want
Adjustable annual max and deductible
Adjustable reimbursement percentage
Preventative care not covered
No reimbursement for some supplements
Limited payout options
Our Rating