Embrace Pet Insurance Review 2025—Honest Truth, Hidden Costs & Best Alternatives
Pet owners in 2025 are smarter than they were ever—they want transparent coverage, fair pricing, and no surprise bills at all. Embrace Pet Insurance claims to offer all that and much more. But is it really worth your money? Don’t worry in this detailed review, we’ll uncover the truth behind Embrace’s policies, highlight any hidden costs, and suggest you with better alternatives (if any exist).
📌 Quick Summary
- Company: Embrace Pet Insurance
- Founded: 2003 (Cleveland, USA)
- Coverage: Dogs & Cats (accidents, illnesses, optional wellness)
- Unique Feature: Diminishing deductible
- Best For: Pet owners who want flexible, customized coverage
✅ What Embrace Pet Insurance Covers
Embrace provides comprehensive coverage, including:
- ✔️ Accidents & Illnesses
- ✔️ Hereditary and congenital conditions
- ✔️ Chronic conditions (diabetes, allergies, etc.)
- ✔️ Cancer treatment
- ✔️ Diagnostic testing, MRIs, CT scans
- ✔️ Surgery & hospitalization
- ✔️ Prescription medications
- ✔️ Behavioral therapy
- ➕ Optional: Wellness Rewards (preventive care like vaccines, grooming, etc.)
👉 Coverage Limit Options: From $5,000 to unlimited
👉 Deductible Options: $200 – $1,000 (annual)
💡 Unique Benefits That Make Embrace Stand Out
🧾 Diminishing Deductible
Every year you don’t make a claim, your deductible goes down by $50. It’s a great incentive for responsible pet owners.
🐶 Alternative Therapies Covered
Embrace covers acupuncture, hydrotherapy, and chiropractic care — rare in most pet insurance policies.
🕒 Fast Reimbursement
Average reimbursement time is 10–15 days, and direct deposit is available.
🛡️ Optional Wellness Plan
Their Wellness Rewards plan is not technically insurance, but it reimburses for routine care, dental cleaning, and even spaying/neutering.
⚠️ Hidden Costs & Downsides (What No One Tells You)
Despite all the good, let’s get honest:
❌ 1. Wellness Plan = Prepaid, Not Insurance
Embrace Insurance markets their Wellness Rewards as a supplement, but it’s just a prepaid reimbursement, not true insurance. If you don’t use all the benefits, you may lose your money.
❌ 2. Waiting Periods Are Longer Than Average
- Illness coverage starts after 14 days
- Orthopedic conditions for dogs? 6-month waiting period (unless you get a vet waiver)
This delay can hurt if your pet falls ill early.
❌ 3. Premium Increases as Pet Ages
Many users report that monthly premiums increase significantly once the pet turns 5+. It’s common in the industry, but not clearly stated upfront.
❌ 4. No Coverage for Pre-Existing Conditions
Even if a condition was cured a year ago, it may still be flagged as pre-existing. Always check the fine print.
💵 How Much Does Embrace Cost in 2025?
Embrace offers customizable pricing, but on average:
| Pet Type | Monthly Cost |
|---|---|
| Dog | $35 – $65 |
| Cat | $20 – $35 |
✅ You can lower your premium by:
- Increasing your deductible
- Choosing a lower reimbursement rate (70% instead of 90%)
- Setting an annual limit ($5,000 instead of unlimited)
💡 Tip: Get quotes from multiple providers before choosing. Prices may vary based on the breed of your pet, age, and location.
🔁 Claim Process & Customer Support
- 🖥️ Claims submitted online or via app
- 📸 Upload invoices with photos
- 💰 Reimbursement in 10–15 days (Direct Deposit or Check)
- 📞 Support available by phone, email, and live chat
👉 Users rate Embrace’s customer service at 4.2/5 across TrustPilot and Reddit.
🆚 Embrace vs Lemonade vs Spot Insurance– Quick Comparison
| Feature | Embrace | Lemonade | Spot |
|---|---|---|---|
| Wellness Plan | Yes (Optional) | No | Yes |
| Claim Speed | 10–15 days | 2–5 days | 7–10 days |
| Behavioral Care | ✅ | ❌ | ✅ |
| Age Limit | 14 years | 14 years | No limit |
| Best For | Flexibility & therapy | Fast claims | Multi-pet families |
Want a full Lemonade review? 👉 Read here
⭐ Is Embrace Pet Insurance Worth It?
Yes, if:
- You want holistic coverage (including therapy & dental)
- You don’t mind paying a bit more for personalized plans
- You value customer support & long-term reliability
No, if:
- You want instant coverage with no waiting
- You’re looking for cheap, basic accident-only plans
🔁 Best Alternatives to Embrace in 2025
If you think Embrace doesn’t feel right, you can consider these:
🔹 1. Lemonade Pet Insurance
- Fastest claim approval (within minutes)
- Modern and latest app experience
- Lower premiums for your young pets
🔹 2. Spot Pet Insurance
- No upper age limit for pets
- Good for senior or older pets
- Affordable and flexible
🔹 3. Healthy Paws
- Unlimited and lifetime coverage
- No cap on claims
- Fast claiming process
🙋 Frequently Asked Questions (FAQs)
Is Embrace pet insurance a good choice for 2025?
Yes, Embrace pet insurance is known for its flexible plans, wellness rewards, and high customer satisfaction in 2025. It’s especially great for comprehensive coverage.
How much does Embrace pet insurance cost per month?
The monthly cost of Embrace pet insurance usually ranges from $15 to $60 depending on your pet’s age, breed, and coverage preferences.
Does Embrace pet insurance cover pre-existing conditions?
No, Embrace pet insurance does not cover pre-existing conditions, but it may reconsider curable issues if your pet stays symptom-free for 12 months.
What is the waiting period for Embrace pet insurance?
Embrace pet insurance has a 2-day waiting period for accidents and 14 days for illnesses. Orthopedic conditions for dogs have a 6-month waiting period unless waived.
Is Embrace pet insurance better than Lemonade?
Embrace pet insurance offers more customization and wellness rewards, while Lemonade is faster and more tech-driven. The better option depends on your needs.
What does Embrace pet insurance cover?
Embrace pet insurance covers accidents, illnesses, diagnostic tests, surgeries, prescriptions, and more. You can also add wellness coverage for routine care.
Does Embrace pet insurance offer dental coverage?
Yes, Embrace pet insurance includes dental illness and injury coverage, up to a certain annual limit, making it a strong option for pet dental care.
Can I use Embrace pet insurance at any vet?
Yes, Embrace pet insurance allows you to visit any licensed vet in the U.S. You pay the bill upfront and submit a claim for reimbursement.
Is there a deductible with Embrace pet insurance?
Yes, Embrace pet insurance lets you choose an annual deductible between $100 and $1,000. The higher your deductible, the lower your monthly premium.
How do I file a claim with Embrace pet insurance?
You can file a claim with Embrace pet insurance via their mobile app, online portal, or by email. Claims are usually processed within 5–10 business days.
🧠 Final Verdict: Should You Choose Embrace?
Embrace is ideal for pet parents who want comprehensive, customizable insurance with some nice-to-have features like alternative therapies and behavioral care. While the cost may be higher than some newer options, the coverage depth and reliability make it a top contender in 2025.
🎯 If you’re serious about long-term pet health and don’t want to compromise on quality, Embrace is worth every dollar.
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Last Updated: July 2025