The Pet Insurance Guide

Overall Personalized Rating: 4.6/5 (Excellent)

Overall Personalized Rating: 4.6/5 (Excellent)


Founded in 2003, Embrace has been in the pet insurance industry for over a decade. Throughout the company's history, their goal of keeping the pets they insure as healthy and happy as possible has always been at the center.

Key Benefits

  • Covers a wide variety of illnesses, injuries, and procedures
  • Has a pet advice phone line available to all customers
  • Offers a variety of discounts to keep prices low

Ratings Summary

Ratings Highlights

Overall Rating
As their policies cover a wide variety of treatments and procedures, Embrace is a good choice for those prioritizing care options for their pet. Their prices are generally average, but there are discounts for having multiple pets on the policy and for military service.
Embrace's prices range from average to slightly expensive for pet insurance. Less expensive rates are available depending on the reimbursement and deductible options chosen.
Coverage Offered
Embrace provides coverage for a variety of treatments and procedures, making it a good choice for those who want to make sure their vet visits are covered.
Pets Covered
Embrace currently covers dogs and cats.
Reimbursement Percent and Deductibles
Embrace offers reimbursement percentages of 70, 80, or 90%, and allows deductibles ranging from $100 to $1000.
Online Experience
Embrace makes things easy and convenient on both their site and their app. Users can find information easily and can file claims within minutes.
Other Services
Embrace has a multiple pet discount that ranges from 5%-10% off. They also offer a 5% discount to customers who have served in the military. For quick questions on your pet's health, Embrace has a 24/7 pet advice phoneline available. They donate $2 per policy to pet-related charities.

Company Background

Embrace was founded in 2003 and is based in Ohio. They offer pet insurance to dogs and cats across the U.S. and aim to be accessible and affordable for all pet owners. Through their Wellness Rewards program, Embrace hopes to promote preventative care that keeps your pet healthy from the start.

The Pet Insurance Guide's Reviews Methodology

The Pet Insurance Guide uses a proprietary algorithm to evaluate the pet insurance options presented. The factors we review and rate include pricing, deductible and reimbursement options, breadth of coverage, user experience, discounts, and additional services offered. These factors are evaluated and scored to provide an accurate overall rating for the carrier. We also provide comprehensive reviews of each carrier so our users can find the perfect match for their individual needs. Through hours of research, our team has gathered this invaluable data and perspective to ensure that our ratings and reviews are in-depth, honest, and most of all, helpful to pet owners. Use of The Pet Insurance Guide’s 2022 reviews by third parties without the express written consent of The Pet Insurance Guide is strictly prohibited.