Key takeaways
Embrace ranks #4 for affordability among major pet insurance carriers, with average rates of $19 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #5 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #5 — see the coverage section below for which add-ons set Embrace apart.
Embrace ratings
How much does Embrace cost?
Embrace pet insurance costs pet owners $19 monthly on average, or $228 annually — Mid-range pricing compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how Embrace typically prices different pet owner profiles.
Avg monthly
$19
Avg annual
$228
vs. national avg
Mid-range pricing
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Low-risk pet owners | $16 | $19 | #4 |
| Average pet owners | $19 | $22 | #4 |
| Higher-risk pet owners | $27 | $30 | #5 |
Embrace earns #5 overall in our pet rankings — the kind of performance that rewards a closer look, not a coin flip.
Embrace reputation
Embrace ranks #5 in QuoteYeti's customer experience study for pet insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.42 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customer feedback is mixed; some praise specific service areas while others report frustration with claims complexity.
Step 01
Buying process
Buying coverage from Embrace has been generally adequate, though not without friction for most pet owners. The quoting process is primarily online with phone support available for complex situations.
Step 02
Policy management
Day-to-day policy management at Embrace varies in quality — the mobile experience is reasonable, but complex changes often require phone or agent support. Members typically rate the digital experience as competent if not standout.
Step 03
Claims experience
Claims handling at Embrace is consistently strong, with NAIC complaint data well below the industry average and J.D. Power scores reflecting member satisfaction. For straightforward claims (windshield repairs, minor incidents), most pet owners report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A (via American Modern) | Excellent ability to meet financial obligations |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | A (via partner) | Strong capacity to meet financial commitments |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | Not surveyed | Not included in J.D. Power's claims study |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.42 | Substantially fewer complaints than expected for company size |
Embrace discounts
Embrace offers 3 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Multi-Pet | Up to 10% | Insure 2+ pets on one policy |
| Healthy Pet Deductible | $50/year | $50 reduction in deductible each claim-free year |
| Annual Payment | Up to 5% | Pay annual premium upfront |
Embrace coverage options
Embrace offers a comprehensive coverage menu typical of major pet insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Wellness Rewards | Routine care reimbursement (not insurance) | Annual cap; reimburses preventive care expenses |
| Accident-Only Plan | Accident coverage at a lower premium | For owners who only want accident protection |
| Specialty Care | Specialty veterinary care like oncology and cardiology | Included in comprehensive plans |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Diminishing Deductible® reduces $50 per claim-free year
- 10% multi-pet discount for additional pets
- Strong coverage for hereditary conditions
- Healthy Pet Deductible® rewards healthy pets
- Established carrier with 20+ year track record
What's not
- Top con Higher base rates than budget competitors
- Wellness Rewards is reimbursement, not insurance
- Pre-existing conditions excluded (industry standard)
- Customer satisfaction varies by region
Our verdict
The bottom line
Embrace earns an overall score of 4.32/5 in QuoteYeti's pet insurance provider rankings. The carrier ranks #5 nationally, with particular strength in specific specialty areas.
Embrace is best suited for pet owners who want a balance of price and service from an established carrier. Higher base rates than budget competitors is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is Embrace a good pet insurance company?
Embrace is a legitimate pet insurance carrier with a financial-strength rating of A (via American Modern). It ranks #5 overall and #4 in affordability in QuoteYeti's editorial comparison of major pet insurance providers.
How much does Embrace pet insurance cost?
Embrace averages $19 monthly ($228 annually) — Mid-range pricing versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how Embrace typically prices different pet owners.
What discounts does Embrace offer?
Embrace offers 3 primary discounts, including Multi-Pet, Healthy Pet Deductible, Annual Payment. See the full discount table above for eligibility and average savings.
Does Embrace have good claims handling?
Embrace's NAIC complaint ratio is 0.42 (1.00 is the industry average, so lower is better). This is well below the average — meaning fewer customer complaints relative to volume. J.D. Power claims scores rate Not surveyed.
Should I choose Embrace or a competitor?
Embrace is strongest for pet owners who want established carrier reliability. Compare quotes from at least three carriers — Embrace's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for pet owners in different situations.
How we rated Embrace
QuoteYeti's pet insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple pet owners profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.