Embrace Pet Insurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Embrace Pet Insurance suits US pet owners who want an insurer-run policy, with monthly payments at $10. Claims run through website and mobile app, and cover is issued by a licensed agency with named underwriters in the US, with an excess of $100 to $1,000.
Key facts
- Best for
- Monthly pet cover from a US insurer with a choosable excess.
- Premium from
- $10 (Source, checked September 26, 2026)
- Insurance types
- Pet (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- $100 to $1,000 (Source, checked September 26, 2026)
- Cover limit
- $5,000 annual policy limit in the stated price examples (Source, checked September 26, 2026)
- Claims channels
- Website, Mobile-app (Source, checked September 26, 2026)
- Legal entity
- Embrace Pet Insurance Agency, LLC (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2003 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- embracepetinsurance.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Monthly payments are available, so premiums from $10 can be spread across the year.
- Support runs on phone and help centre, giving a phone line and a help centre.
- Claims can be filed through website and mobile app, so a claim starts and tracks on the mobile app.
- The excess runs from $100 to $1,000, letting you set how much a claim costs you.
Cons
- Cover limits sit at $5,000 annual policy limit in the stated price examples in the stated price examples, which caps the payout on costly treatment.
- Support runs on phone and help centre only, so no chat or community channel is listed.
- The listed insurance types are pet, so a pet policy cannot be bundled with other cover.
Who it suits
- US pet owners who prefer paying monthly from an insurer rather than through a broker.
- Owners comfortable picking an excess of $100 to $1,000 to set the balance between premium and claim cost.
- Pet owners who want named underwriters, including American Southern Home Insurance Company (2222-8).
Who should look elsewhere
- Readers wanting more than pet cover should look at Good Sam Insurance Agency, which lists auto, home and renters lines in one place.
- Readers after a no-cost starting quote in another currency can use bonus.ch at CHF 0 or ComparaJa at €0 instead of a US pet policy.
How Embrace Pet Insurance compares
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Where Embrace Pet Insurance is available
- Available
- United States
- Licence in United States
- Embrace Pet Insurance Agency, LLC (licensed insurance agency; per-state licence numbers listed for all 50 states and DC) (0G89328), checked September 26, 2026
- Licence in United States
- American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (underwriter) (NAIC #0361-23469), checked September 26, 2026
- Licence in United States
- American Southern Home Insurance Company (underwriter) (2222-8), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does an Embrace Pet Insurance premium cost?+
Monthly premiums start at $10 a month and monthly payments are available on the policy. The stated price examples are built on $5,000 annual policy limit in the stated price examples, so the figure moves with the cover you choose.
Can I change how much a claim costs me?+
The excess runs from $100 to $1,000, so you can set the part kept back at claim time. Moving it shifts the balance between the monthly premium and the amount you hold per claim.
Who underwrites the cover?+
Cover is handled by Embrace Pet Insurance Agency, LLC, a licensed insurance agency in the US, with American Southern Home Insurance Company (2222-8) named as an underwriter. American Modern Home Insurance Company is also named on the licences.
How do I make a claim?+
Claims are filed through website and mobile app, so you can start and track a claim online or in the mobile app. Everything in that list is digital, so a claim does not need a branch visit.
How do I get help with my policy?+
Support runs on phone and help centre, so you can call or work through the help centre. Chat and community channels are not part of that list, which matters if you prefer typing.
Is Embrace an insurer or a broker?+
Embrace is set up as insurer rather than an intermediary, and the policies sit with underwriters named on its US licences. The legal entity behind the agency is Embrace Pet Insurance Agency, LLC.
How long has Embrace been trading?+
The brand dates back to 2003 and is based in the United States. Its insurance types list is pet, so pet policies are the focus rather than a general book of business.
Does Embrace sell anything other than pet insurance?+
No. The listed insurance types are pet alone, so an Embrace policy is for a pet and nothing else. Anyone who also needs home or motor cover would need a second provider.
Sources
- embracepetinsurance.com checked September 26, 2026
Backs: Claims channels, Provider type, Insurance types, Legal entity, Support channels
“Take a picture of your invoice and submit using the Embrace website or app. No claim form or paperwork needed.”
- embracepetinsurance.com/about-us/history-of-embrace checked September 26, 2026
Backs: Founded, Headquarters
“The 2003 Wharton Business Plan Competition winner was a pet insurance concept later named Embrace Pet Insurance.”
- embracepetinsurance.com/licensing checked September 26, 2026
Backs: Licences
- embracepetinsurance.com/research/pet-insurance-cost checked September 26, 2026
Backs: Cover limit, Excess from, Pricing model, Monthly payments, Premium from
“Costs are examples from May 2025 and based on a $5000 annual coverage, $1000 deductible and 70% coverage.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Embrace Pet Insurance
Monthly pet cover from a US insurer with a choosable excess.