Adopt Pet Insurance Review 2023

You love your pet like a member of the family, and it’s heartbreaking when your fur baby suffers an injury or illness. And often the vet bill you receive for your pet’s treatment can be just as devastating. Perhaps that is why many pet owners are turning to pet insurance to offset the high costs of veterinary care.

If you can pay the monthly premium, you may want to buy pet insurance which may cover some or all of the necessary treatment for your pet. One insurer worth considering is Embrace Pet Insurance, a pioneer in the pet insurance industry. Embrace offers a solid policy that covers numerous conditions and treatments.

If you think you could benefit from pet insurance, start by getting a free quote to find out exactly how much it will cost.

Embrace Pet Insurance Overview

Embrace is an original player in the pet insurance game. The company was founded in 2003 and won the Wharton Business Plan Competition when pet insurance was in its infancy. Since then, Embrace has won the NorthCoast 99 Award 10 times for Best Workplace in Northeast Ohio while donating more than $400,000 to Cleveland charities.

Embrace offers pet insurance for dogs and cats in 50 states. Unlike many providers that offer multiple plans, Embrace offers one policy that covers accident and sickness.

Applicants may appreciate not having to sort through accident-only, comprehensive, and other coverage levels to find a suitable policy.

The company also offers an optional Wellness Rewards uninsured plan that reimburses you for routine care treatments like spay/neuter surgery, dental cleanings and grooming.

what is covered

  • Breed-specific conditions and congenital and genetic conditions, including hip dysplasia, allergies, and intervertebral disc disease.
  • Cancer tests and treatments
  • Chronic conditions such as arthritis and diabetes with no limits depending on the conditions.
  • Dental coverage up to $1,000 per year for conditions and procedures like extractions, gum disease, and root canals
  • Diagnostic tests, such as X-rays and MRIs for covered diseases and conditions
  • Orthopedic conditions when your furry friend suffers a torn ligament, broken bone, or other issues (conditions apply)
  • Parvo, Lyme disease, parasites and other preventable conditions
  • Emergency Vet Clinic Pet Care
  • Prescription drugs for covered conditions
  • Scheduled or emergency surgeries

Embrace also offers an optional precertification that sets out what your policy covers before your pet has surgery. If you think you could benefit from the protections Embrace offers, start by getting a free quote now.

What is not covered

Like most pet insurance companies, Embrace does not cover pre-existing conditions. Embrace defines a pre-existing condition as “any injury, illness or irregularity noted by you or your veterinarian before the end of your pet’s waiting period, even if your pet never saw the vet for it.” Before your policy goes into effect, Embrace will review your pet’s medical history for the past 12 months to identify any pre-existing conditions. In addition, the following conditions are not covered by an Embrace pet insurance policy:

  • Breeding, childbirth or pregnancy
  • Cosmetic procedures such as tail docking and ear cropping, unless determined to be medically necessary
  • DNA tests
  • Injuries resulting from various forms of animal cruelty.
  • Routine veterinary care, including regular checkups

Cost of Embrace Pet Insurance

If you choose to enroll in Embrace pet insurance, you’ll pay a one-time enrollment fee of $25 and a monthly processing fee of $1 if you make monthly payments.

Average cost for an Embrace dog insurance policy is around $30 to $40 per month for dogs and about $15 to $20 per month for cats. In general, dogs cost more to insure than cats because pet insurers typically receive more claims for dogs than cats, and vet bills for dogs are often more expensive than for their feline counterparts.

The amount of your monthly premium depends on several factors, including your pet. race, age and place where you live. Your premium amount may vary depending on the parameters you set for your policy, including:

  • Deductible: Deductible amounts range from $100 to $1,000 per year.
  • Refund Amount: With pet insurance, you pay your veterinarian and pet insurance company up front reimburses you for a specific amount. An Embrace pet insurance policy can reimburse you for 70%, 80% or 90% of your covered veterinary expenses.
  • Coverage limit: You can choose between a coverage limit of $5,000 to $15,000 or unlimited.

cost comparison

Here’s a side-by-side price comparison to see how Embrace stacks up against the competition:





$93 per month

$39 per month

$26.00 per month

deductible options

$100, $250, $500, $750, $1,000

$100, $250, $500

$50 to $1,000

refund percentage

70%, 80%, 90%

70%, 80%, 90%

70%, 80%, 90%

Annual Coverage Amounts

$5,000 to Unlimited

$5,000 to $100,000

$5,000, $10,000, $40,000

*Quotations are for a 5 year old, medium weight, mixed breed dog in good health in Boulder, Colorado. Coverage options include a $500 deductible, 80% reimbursement percentage, and the maximum amount of coverage for each provider.

In our example, the Embrace policy is more expensive than Lemonade and Odie. You may receive a higher or lower quote than this amount depending on the age and breed of your pet, as some breeds are more expensive to insure than others.

Also, keep in mind that Embrace’s quote is likely to be higher because all three quotes are for the maximum amount of coverage. With Embrace, the maximum coverage is unlimited, but neither Lemonade nor Odie offer that option: their coverages top out at $100,000 and $40,000, respectively. In this case, if we lower our annual coverage limit to $5,000, the premium is reduced to $52 per month. The best way to get an accurate premium quote for your pet is to use Embrace’s online quoting process.

Pros and cons of Embrace pet insurance

Embrace offers many benefits for pet owners to manage veterinary costs and ensure your furry family member receives the care they deserve. It is always wise to consider the drawbacks of any pet insurer before signing up for a policy. Here are some pros and cons of Embrace Pet Insurance:


  • Simplicity: Embrace offers one accident and sickness plan, so you don’t have to search through different levels of plans to get the right care.
  • Comprehensive: Embrace covers a broad spectrum of conditions and treatments, including cancer, genetic conditions, chronic diseases, and dental problems.
  • Convenience: You may take your pet to any licensed veterinarian for care.
  • Compatible with mobile devices: You can easily file claims on the mobile app.


  • Limited: Embrace only offers pet insurance for dogs and cats.
  • Long waiting period: The waiting period for orthopedic conditions is six months. Embrace will waive the fee if your pet has an orthopedic exam after enrollment.

Unique Advantages and Disadvantages of Embrace Pet Insurance

Embrace offers a decreasing deductible, a unique feature for its policyholders. Your deductible will be reduced by $50 each year that you are not reimbursed for a claim. The pet insurer also offers a 10% discount for multiple pets and a 5% military discount.

Unfortunately, the pet insurance company imposes a fee that is rarely enforced, in this case, $25. Remember, there is also a $1 per month charge if you pay your premiums monthly instead of annually.

The bottom line

If you’re looking for pet insurance with preventative and wellness coverage, Embrace may not be the right fit for you. But, if you’re more concerned with protecting your finances from unexpected and expensive vet bills, an Embrace pet insurance policy makes sense.

Embrace Pet Insurance offers a comprehensive plan that covers a wide variety of expenses, from veterinary exam fees and dental problems to cancer treatments and surgeries. The accident and injury plan is relatively affordable, and you can customize your price by adjusting your deductible, reimbursement percentage, and coverage limit to suit your needs. Get started by getting a free quote now.

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