Embrace Pet Insurance: How To Log In

Embrace Pet Insurance plan received the top score for coverage benefits in our evaluation. This plan includes coverage for veterinary exam fees and offers access to a 24/7 pet health line. If your veterinarian conducts an orthopedic exam after you buy the policy, the 6-month waiting period for orthopedic conditions can be waived.


Embrace offers pet insurance for cats and dogs in 49 states and D.C. They have accident and illness policies with flexible annual reimbursement limits. You can choose from $5,000 to unlimited coverage. Embrace also has an optional wellness rewards plan for routine care expenses.

Embrace Pet Insurance

They’ve been providing pet insurance since 2006 and are backed by American Modern Insurance Group, which has a strong financial rating. Embrace has an A+ rating from the Better Business Bureau and an average customer review rating of 3.36 out of 5 stars, indicating their positive reputation in the industry.

Embrace Pet Insurance: Plans and Coverage

It is one of the top pet insurance companies, provides different plans for pets. They offer an accident and illness plan, which covers a wide range of health issues and is the most popular type of pet insurance. They also have an accident-only plan and an optional wellness plan to choose from.

Pet Accident and Illness insurance

Embrace’s accident and illness plan covers a wide range of pet health issues, including:

  • Alternative therapies like acupuncture and laser therapy.
  • Behavioral therapy for problems like aggression and marking.
  • Conditions specific to certain breeds, genetic issues, and congenital problems like allergies, hip dysplasia, and disc disease.
  • Cancer testing and treatment.
  • Chronic conditions such as arthritis and diabetes.
  • Dental problems like gingivitis, root canals, and tooth extractions.
  • Hospitalizations and emergency care.
  • Diagnostic tests like MRIs and X-rays.
  • Orthopedic issues like ligament tears, fractures, and bone cancer.
  • Prescription medications.
  • Preventable conditions like parasites, parvo, and Lyme disease.
  • Specialist care from experts like oncologists and behaviorists.
  • Surgeries, including anesthesia and rehabilitation services.

This plan offers comprehensive coverage for various pet health needs.

Pet Accident-Only Insurance

Embrace provides an accident-only policy that covers injuries like getting hit by a vehicle, ingesting foreign objects, and torn cruciate ligaments. However, it’s essential to note that if you choose this policy, it won’t cover common illnesses such as ear infections, diarrhea, and vomiting, which are typically included in an accident and illness plan.

Pet Insurance Add-Ons

Embrace also offers an optional Wellness Rewards plan. It’s not insurance, but it helps you save money on preventive care expenses over a year. Here’s how it works: You choose a reimbursement level of $250, $450, or $650 per year, and you pay a monthly fee for the plan. For instance, a $250 reimbursement level costs $18.25 per month, which totals $225 for the year. This means you can save up to $25 on preventive healthcare expenses.

Reimbursable items and services include:

  • Wellness exam fees
  • Vaccinations
  • Microchipping
  • Flea, tick and heartworm preventatives
  • Nutritional supplements
  • Spay/neuter surgery
  • Fecal and routine blood tests
  • Grooming (including toe nail trimming)
  • Medicated shampoos
  • Routine anal gland expression
  • Gastropexy
  • Preventative teeth cleaning
  • Prescription diet food
  • Training
  • Hip dysplasia exams, radiographs or other OFA testing
  • Routine chiropractic care
  • Reiki, massage therapy and acupuncture
  • Wearable pet activity monitors
  • Cremation or burial

Embrace Pet Insurance Doesn’t Cover

Here are some things that Embrace pet insurance doesn’t cover:

  • Pre-existing conditions.
  • Breeding, pregnancy, and giving birth.
  • DNA testing or cloning.
  • Cosmetic procedures like ear cropping or declaw removal (unless it’s medically necessary).
  • Stem therapy that isn’t medically necessary.
  • Injuries caused intentionally by you or anyone in your home.
  • Injuries or illness due to fighting, racing, cruelty, or neglect.
  • Avian flu or nuclear war.

Embrace Waiting Periods for Coverage

Most pet insurance companies have waiting periods, which are specific periods during which your coverage is limited. After this waiting period ends, your coverage becomes active. For example, Embrace has a two-day waiting period for accidents, which is quite short compared to other insurers. However, the 14-day waiting period for illnesses is typical in the industry.

Embrace Waiting Periods for Coverage

Embrace also has a six-month waiting period for orthopedic conditions in dogs. You can reduce this waiting period to 14 days if you complete an orthopedic exam and waiver process within the first 14 days of your pet insurance policy. If you don’t complete the exam within this time frame, the waiting period will be reduced to the day of the orthopedic exam.

Embrace Pet Insurance: Pros & Cons


  • Covers the cost of veterinarian office visits for both illness and accidents.
  • Offers a “diminishing deductible” that lowers your deductible by $50 each year you go without a claim.
  • Short 2-day waiting period for accident coverage.
  • Optional wellness plan for added coverage.
  • Provides a 24/7 pet telehealth line.


  • A 6-month waiting period for orthopedic condition coverage, which can be waived with a post-purchase orthopedic exam for your pet.

How to Register: Embrace Pet Insurance Login

1. Firstly, visit the MyEmbrace homepage and select Register

How to Register: Embrace Pet Insurance Login

2. Complete the information 

  • Create a Username (this can be your email address if you prefer)
  • Usernames are between 3 & 128 characters & contain at least 3 of the following:
  • Lowercase Letter
  • Uppercase Letter
  • Number
  • Any of These Special Characters: @_ . , ! : –

Next, create a Password
Passwords is 8 & 32 characters & contain at least 3 of the following:

  • Lowercase Letter
  • Uppercase Letter
  • Number
  • Any of These Special Characters: @ _ . , ! : –

Select Submit

How to Register: Embrace Pet Insurance Login-1

3. You will receive an email to activate your account at the provided email address. After selecting “Activate” in the email, you can log in to MyEmbrace using the email and password you set up.

How to Register: Embrace Pet Insurance Login-2

Through MyEmbrace, you can effortlessly access policy documents, manage billing preferences and addresses, submit and view claims, and perform various other tasks.

How Much Does Pet Insurance From Embrace Cost?

On average, Embrace pet insurance is around $50 per month. This includes $5,000 of annual coverage, a $250 deductible, and an 80% reimbursement level. If you opt for unlimited coverage, a $500 deductible, and a 90% reimbursement level, the average cost increases to $58 per month.

Examples: Embrace Pet insurance Cost by Dog Breed

Dog breedAverage cost per month
French bulldog$95
German shepherd$62
Golden retriever$62
Mixed breed (large)$48
Mixed breed (medium)$41
Mixed breed (small)$36
Shih Tzu$43
Yorkshire terrier$36
Source: Information provided by Petinsurer.com. The costs are calculated based on $5,000 in annual coverage, with a $250 deductible, and an 80% reimbursement level.

Tips to Save Money on Embrace Pet Insurance

Embrace provides various ways to save on your pet insurance:

  • You can enjoy a 5% to 10% discount if you have multiple pets.
  • There’s a 5% discount for military personnel.
  • Embrace offers a “Healthy Pet Deductible” at no extra cost. For each year without a claim, your deductible decreases by $50. For instance, if you initially have a $300 deductible and don’t make a claim for two years, it will reduce to $200.

How to Cancel Embrace Pet Insurance

To cancel the Embrace pet insurance policy, contact Embrace:


To determine the best pet insurance, we used data from PetInsurer.com and rated each pet insurance company based on the following criteria:

  • Pet Insurance Rates (40% of the score): We calculated average rates for dog plans with unlimited coverage, a $500 deductible, and a 90% reimbursement level, or the closest available options.
  • Special Waiting Period (10% of the score): Some pet insurance companies have waiting periods for specific issues like cruciate ligament problems and hip dysplasia. Plans with no waiting period, a waiting period of less than six months, or the option to waive the waiting period scored higher.
  • Direct Payment to Vet (10% of the score): Companies that offer the option to pay the vet directly earned points.
  • 24/7 Vet Health Line (10% of the score): Insurers providing access to a 24/7 vet health line received points.
  • Routine Wellness Plans (10% of the score): Companies offering optional wellness plans earned points.
  • Pays Veterinary Exam Fees (10% of the score): Not all insurers cover exam fees, even for illness or accident-related visits. Plans that cover these fees received points.
  • Euthanasia or End of Life Expenses (5% of the score): Insurers that cover end-of-life expenses like euthanasia, cremation, or burial fees scored in this category.
  • Multipet Discount (5% of the score): Many pet insurance companies offer discounts if you insure multiple pets. Insurers providing multipet discounts earned points.

Embrace Pet Insurance FAQ

Can I add multiple pets to my Embrace pet insurance policy?

Embrace offers multipet insurance, which means you can get coverage for multiple cats and dogs. While you’ll need to purchase a separate policy for each pet, you can conveniently manage all these policies from a single account. Embrace also provides a 10% multi-pet discount if you choose to insure more than one cat or dog.

Does Embrace pet insurance cover euthanasia?

Yes, Embrace’s accident and illness plan includes coverage for euthanasia if it’s recommended by your vet for a covered condition. Additionally, the Wellness Rewards plan will reimburse you for burial or cremation costs.

Does Embrace pet insurance cover hip dysplasia?

Yes, Embrace pet insurance does cover hip dysplasia, but there is a waiting period for this coverage. Typically, there’s a six-month waiting period before hip dysplasia treatment can be covered. However, you have the option to reduce this waiting period to 14 days if your pet undergoes an orthopedic exam within the first 14 days of your policy’s start date. It’s important to review the specific terms and conditions of the policy for full details on coverage.

Does Embrace pet insurance cover spaying or neutering?

Embrace pet insurance does not typically cover routine procedures like spaying or neutering, as these are considered elective and preventive treatments. Embrace primarily focuses on covering unexpected accidents and illnesses, as well as certain wellness-related expenses if you choose to add a wellness plan to your policy. Routine procedures, such as spaying and neutering, are usually not included in their coverage.

Is Embrace a good insurance company for pets?

Embrace received a top rating of 5 out of 5 stars in our evaluation of the best pet insurance companies. They stand out with a brief two-day waiting period for accidents and offer several appealing coverage benefits. For instance, Embrace includes a “diminishing deductible” feature that lowers your deductible each year you go without making a pet insurance claim. Additionally, policyholders have access to a 24/7 pet telehealth line and the option to include a wellness plan for added coverage.

Final Thoughts

In conclusion, Embrace pet insurance offers a user-friendly login system that allows policyholders to access their accounts conveniently. Through this portal, pet owners can manage their policies, submit claims, track their pet’s health, and explore additional coverage options.

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