Embrace's pet insurance scores 2.30 out of 5 for cats and 2.55 for dogs in MoneyGeek's analysis. The company excels in customer experience, though its premiums are more expensive than competitors, for cats and dogs. The insurer requires a 2-day waiting period for accident coverage, shorter than many competitors offer.
Embrace Pet Insurance Review
Updated: October 16, 2025
Advertising & Editorial Disclosure
Embrace Pet Insurance Review: Key Takeaways
Embrace ranks 14th for cat insurance affordability and 12th for dog insurance, with monthly premiums averaging $46 for cats and $73 for dogs.
Ranking sixth nationally for customer experience, Embrace maintains an A+ BBB rating and scores 4.3 out of 5 on Trustpilot, demonstrating strong customer satisfaction.
Embrace ranks 10th nationwide for coverage quality. It offers comprehensive accident and illness insurance plus an optional wellness rewards program for preventive care.
Embrace Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 2.22 | 12 |
| Coverage | 1.90 | 10 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 2.55 | 13 |
WHO IS EMBRACE PET INSURANCE BEST FOR?
Embrace ranks among the best pet insurance companies for owners wanting flexible deductibles and unlimited payout options. The provider includes hereditary conditions, behavioral therapy and exam fees in standard coverage without extra charges. Pet parents can customize deductibles starting at $100 while enjoying comprehensive protection.
Owners needing immediate accident coverage should note the two-day waiting period.
Embrace Pet Insurance Ratings by State
Embrace provides pet insurance coverage nationwide across all 50 states. The company achieves its best overall ranking of 11th place in six states for dogs and one state for cats. While Embrace doesn't secure top-tier rankings, it maintains consistent performance with sixth place nationally for customer experience across all states for both cats and dogs.
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Category:Overall Score
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Pet Type:Dog
| Alabama | 2.70 | 12 |
| Alaska | 2.65 | 12 |
| Arizona | 2.70 | 12 |
| Arkansas | 3.00 | 11 |
| California | 2.45 | 14 |
| Colorado | 2.40 | 14 |
| Connecticut | 2.55 | 13 |
| Delaware | 2.60 | 13 |
| Florida | 2.65 | 12 |
| Georgia | 2.50 | 14 |
| Hawaii | 2.35 | 14 |
| Idaho | 2.75 | 11 |
| Illinois | 2.95 | 11 |
| Indiana | 2.60 | 13 |
| Iowa | 2.55 | 13 |
| Kansas | 2.75 | 12 |
| Kentucky | 2.75 | 12 |
| Louisiana | 2.60 | 13 |
| Maryland | 2.60 | 13 |
| Maine | 2.60 | 13 |
| Massachusetts | 2.50 | 14 |
| Minnesota | 2.55 | 14 |
| Michigan | 2.65 | 12 |
| Mississippi | 2.65 | 12 |
| Missouri | 2.70 | 13 |
| New Hampshire | 2.45 | 14 |
| Montana | 2.70 | 12 |
| Nebraska | 2.90 | 11 |
| Nevada | 2.85 | 11 |
| New Mexico | 2.80 | 12 |
| New Jersey | 2.65 | 13 |
| New York | 2.65 | 13 |
| North Carolina | 2.50 | 14 |
| North Dakota | 2.85 | 12 |
| Ohio | 2.30 | 14 |
| Oklahoma | 2.75 | 12 |
| Oregon | 2.30 | 14 |
| Pennsylvania | 2.70 | 12 |
| Rhode Island | 2.65 | 13 |
| South Dakota | 2.55 | 13 |
| South Carolina | 2.55 | 12 |
| Tennessee | 2.85 | 11 |
| Texas | 2.70 | 12 |
| Utah | 2.30 | 14 |
| Vermont | 2.60 | 13 |
| Virginia | 2.55 | 14 |
| Washington | 2.90 | 13 |
| West Virginia | 2.70 | 12 |
| Wyoming | 2.80 | 12 |
| Wisconsin | 2.55 | 13 |
Embrace Pet Insurance Comparison
See how Embrace pet insurance fares against national competitors below.
Embrace vs. AKC | • Dogs: 2.55 vs. 4.30 • Cats: 2.30 vs. 3.85 | AKC scores higher across all categories, particularly coverage, with better affordability and overall scores than Embrace. |
Embrace vs. ASPCA | • Dogs: 2.55 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA offers better affordability and overall scores. Embrace ranks lower in every category. |
Embrace vs. Fetch | • Dogs: 2.55 vs. 2.70 • Cats: 2.30 vs. 2.95 | Fetch scores higher on coverage, while Embrace leads slightly on affordability. Both rank low on customer experience. |
Embrace vs. Figo | • Dogs: 2.55 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo leads in affordability, coverage and overall scores, making it the stronger option. |
Embrace vs. Hartville | • Dogs: 2.55 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville offers better affordability and coverage. Embrace ranks lower across nearly all categories. |
Embrace vs. Lemonade | • Dogs: 2.55 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less and scores higher overall, while Embrace ranks lower in coverage and affordability. |
Embrace vs. Liberty Mutual | • Dogs: 2.55 vs. 2.65 • Cats: 2.30 vs. 2.30 | Both have low scores, but Liberty Mutual has a slight affordability advantage while Embrace performs slightly better on customer service. |
Embrace vs. Met Life | • Dogs: 2.55 vs. 3.05 • Cats: 2.30 vs. 2.40 | Met Life leads in affordability, but Embrace performs better in customer experience. Both have weak coverage scores. |
Embrace vs. Nationwide | • Dogs: 2.55 vs. 2.50 • Cats: 2.30 vs. 2.65 | Nationwide ranks lower on affordability but offers better coverage. Embrace scores slightly higher for dogs. |
Embrace vs. Pets Best | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.80 | Pets Best delivers stronger affordability and coverage, with Embrace ranking lower in nearly all categories. |
Embrace vs. Pumpkin | • Dogs: 2.55 vs. 3.70 • Cats: 2.30 vs. 4.15 | Pumpkin scores higher on affordability and overall performance. Embrace ranks lower across all areas. |
Embrace vs. Rainwalk | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk excels in customer service and affordability, while Embrace ranks lower in most categories. |
Embrace vs. Spot | • Dogs: 2.55 vs. 3.75 • Cats: 2.30 vs. 4.15 | Spot is stronger in affordability, coverage and customer service. Embrace ranks lower overall. |
How Much Does Embrace Pet Insurance Cost?
Embrace's pet insurance costs an average of $73 monthly ($874 annually) for dog coverage and $46 monthly ($547 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $73 | $60 | $874 | $723 | 21% |
| Cat | $46 | $32 | $547 | $379 | 44% |
Embrace Pet Insurance Rates by State
Embrace premiums vary by state due to local veterinary costs and claim patterns. For cats, the cheapest pet insurance rates start at $29 monthly in Arkansas, while Maine costs $61. Dog coverage ranges from $46 in Arkansas to $97 in Maine, showing significant geographic price differences across states.
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Pet Type:Dog
| Alabama | $55 | $665 |
| Alaska | $69 | $831 |
| Arizona | $84 | $1,008 |
| Arkansas | $46 | $551 |
| California | $94 | $1,133 |
| Colorado | $95 | $1,143 |
| Connecticut | $83 | $991 |
| Delaware | $72 | $865 |
| Florida | $80 | $955 |
| Georgia | $66 | $798 |
| Hawaii | $77 | $929 |
| Idaho | $69 | $825 |
| Illinois | $79 | $943 |
| Indiana | $66 | $787 |
| Iowa | $65 | $779 |
| Kansas | $64 | $769 |
| Kentucky | $61 | $737 |
| Louisiana | $60 | $718 |
| Maine | $97 | $1,167 |
| Maryland | $84 | $1,003 |
| Massachusetts | $95 | $1,138 |
| Michigan | $71 | $852 |
| Minnesota | $75 | $900 |
| Mississippi | $63 | $752 |
| Missouri | $59 | $709 |
| Montana | $61 | $729 |
| Nebraska | $60 | $724 |
| Nevada | $69 | $825 |
| New Hampshire | $86 | $1,031 |
| New Jersey | $80 | $956 |
| New Mexico | $64 | $763 |
| New York | $77 | $921 |
| North Carolina | $69 | $828 |
| North Dakota | $53 | $641 |
| Ohio | $72 | $861 |
| Oklahoma | $60 | $717 |
| Oregon | $96 | $1,154 |
| Pennsylvania | $82 | $980 |
| Rhode Island | $65 | $778 |
| South Carolina | $70 | $844 |
| South Dakota | $67 | $807 |
| Tennessee | $63 | $752 |
| Texas | $74 | $882 |
| Utah | $75 | $895 |
| Vermont | $68 | $815 |
| Virginia | $86 | $1,036 |
| Washington | $88 | $1,053 |
| West Virginia | $62 | $747 |
| Wisconsin | $78 | $939 |
| Wyoming | $66 | $797 |
Embrace Pet Insurance Rates by Breed
Embrace pet insurance premiums change based on your pet's breed. Dog owners pay around $30 monthly for small mix breeds under 20 pounds, while Bullmastiffs cost $141 per month. Cat premiums range from $40 for Domestic Shorthairs to $56 for Exotic Shorthairs. These price differences reflect each breed's health risks and veterinary care needs.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $53 | $638 |
Is Embrace Pet Insurance Expensive?
Embrace ranks 14th for cat insurance affordability and 12th for dogs, making it far from the cheapest option. The filterable table below shows how costs change based on your pet's age and your selected deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$5,000
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Reimbursement %:80%
| $88 | $1,056 | 23% |
Embrace Pet Insurance Discounts
Embrace provides pet insurance discounts to help reduce premium costs. The company offers savings for military members and a multi-pet discount when you insure multiple animals under one policy. These discounts can provide meaningful savings on your monthly premiums, making coverage more affordable for qualifying pet owners.
Multiple pets | 10% | Automatically applied if you insure two or more pets under the same policy |
Military | 5% | Available to active or former U.S. military service members (not available in NY or TN) |
Embrace Pet Insurance Customer Service Reviews and Ratings
Embrace ranks sixth nationally for customer service with both cats and dogs. The company maintains a high Better Business Bureau rating and receives moderate scores on Trustpilot. Reddit users share mixed experiences. Some praise Embrace's helpful representatives and quick responses, while others report frustrations with claim denials and lengthy processing times. The feedback suggests inconsistent service quality across different customer interactions.
Embrace Trustpilot Reviews
Embrace earns a 4.1 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Embrace's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Embrace Better Business Bureau Rating
Embrace holds an A+ rating from the Better Business Bureau and maintains accredited business status. The A+ grade is BBB's top rating, showing Embrace meets its standards for trust and resolves customer complaints well. BBB accreditation requires companies to address customer issues and follow ethical business practices.
Embrace Pet Insurance Reddit Sentiment
Embrace faces challenges on Reddit, with only 29% positive feedback in our analysis of 21 comments. Six users praised the company's customer service and clear policy language, while 15 criticized claim denials and coverage gaps. These mixed experiences highlight how differently customers view Embrace's claims process, suggesting inconsistent service delivery across their customer base.
Embrace Pet Insurance Coverage
Embrace offers pet insurance coverage for dogs and cats. Pet owners can customize policies through various coverage levels and optional add-ons, allowing them to create plans that fit their budget and their pet's health requirements.
Deductibles | Annual deductible options from $200 to $1,000, depending on state |
Annual limits | Annual maximums available from $5,000 up to $30,000; no lifetime caps |
Reimbursement rates | 70%, 80%, or 90% reimbursement after deductible |
Accident-only plan | Fixed $100 deductible, 90% reimbursement, $5,000 annual max |
Accident & illness plan | Includes injuries, illnesses, diagnostics, surgery, prescriptions, hereditary and congenital conditions, behavioral treatments and alternative therapies |
Pre-existing conditions | Not covered; curable conditions may be considered after a waiting period if symptom-free |
Bilateral conditions | If one side is pre-existing, the opposite side may be excluded |
Waiting periods | 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions (with option for reduction via vet exam) |
Enrollment restrictions | Full coverage available for pets 6 weeks to 14 years old; at 15+, only accident coverage is available; no breed exclusions |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
MONEYGEEK EXPERT TIP
Embrace reimburses based on actual veterinary costs rather than restrictive benefit schedules or UCR limits (usual, customary and reasonable fees). Claims are handled through direct reimbursement after you pay your vet, and premiums may rise over time due to age, inflation or location. The company offers flexible policy adjustments, but raising coverage levels may restart certain waiting periods, so plan changes strategically.
Embrace Pet Insurance Coverage Add-Ons
Embrace provides wellness add-ons that cover routine preventive care for pet owners seeking comprehensive coverage. These plans include services like vaccinations, dental cleanings and wellness exams. The wellness plans start immediately upon enrollment with no deductibles or waiting periods required.
Wellness Rewards | Reimburses preventive and routine care such as exams, vaccinations, dental cleanings, grooming, behavior training, prescription diets and microchipping |
Allowance levels | Choose from $300, $450 or $650 per year, with an extra $25 credit added by Embrace |
Plan changes | Can be added or increased midterm through MyEmbrace, but back payments are required for previous months |
No per-item limits | Annual reimbursement is capped by allowance only, with no per-item restrictions |
Is Embrace Pet Insurance Good: Bottom Line
Embrace charges $73 monthly for dog insurance and $46 for cat coverage on average. The company ranks sixth nationally for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available as an add-on.
Embrace Pet Insurance Review: FAQ
Find answers to common questions about Embrace pet insurance coverage and policies.
Is Embrace pet insurance worth it in 2025?
Embrace provides decent value in 2025, excelling in customer experience, where it ranks sixth nationally. The company also offers solid coverage options, ranking 10th for coverage quality. With average premiums of $73 monthly for dogs and $46 for cats, Embrace delivers reasonable pricing for comprehensive pet protection.
What do Reddit users really think about Embrace pet insurance?
Reddit users show limited enthusiasm for Embrace pet insurance. Data reveals only 29% positive sentiment, with six favorable comments versus 15 negative ones. Reddit discussions commonly praise Embrace's customer service responsiveness and knowledgeable representatives. Users criticize lengthy claim processing times and strict coverage exclusions that can leave pet owners with unexpected bills.
Does Embrace cover pre-existing conditions for pets?
Embrace excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and orthopedic issues like ligament or knee problems are permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Embrace?
Yes, Embrace provides a 10% multiple pet discount when you insure two or more pets on the same account. You can also access additional savings through AAA membership, workplace benefit programs and other qualifying discounts to reduce your premium costs further.
Is Embrace pet insurance available in my state?
Yes, Embrace operates in all 50 states. Premium costs depend on your location, with differences across states. Cat coverage starts at $29 monthly in Arkansas and reaches $61 in Maine. Dog insurance ranges from $46 per month in Arkansas to $97 in Maine.
How We Rated Embrace Pet Insurance
Navigating pet insurance options can be overwhelming, which is why we assessed Embrace across three key areas:
Affordability (50% of score): We analyzed premium pricing by gathering quotes across various pet breeds, ages and plan options, incorporating available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This component draws from customer reviews and ratings on platforms like Trustpilot and Reddit to gauge real user satisfaction levels.
Coverage Options (20% of score): We examined the breadth of policy benefits, available add-ons and overall protection scope to assess value for pet owners.
All pricing data was standardized using quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Embrace Pet Insurance." Accessed October 18, 2025.
- Trustpilot. "Embrace Pet Insurance." Accessed October 18, 2025.