Embrace Pet Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Embrace Pet Insurance suits US pet owners who want monthly cover with the excess set themselves, so premiums start at $10. The trade-off is what a claim leaves behind: an excess of $100 to $1,000 and cover that tops out at $5,000 annual policy limit in the stated price examples in the published price examples.
Key facts
- Best for
- US pet owners paying monthly from $10 who want control over the excess.
- Premium from
- $10↗
- Insurance types
- Pet↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- $100 to $1,000↗
- Cover limit
- $5,000 annual policy limit in the stated price examples↗
- Claims channels
- Website, Mobile-app↗
- Legal entity
- Embrace Pet Insurance Agency, LLC↗
- Headquarters
- United States↗
- Founded
- 2003↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- embracepetinsurance.com
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- An insurer with named underwriters, so the balance sheet standing behind a payout is visible.
- Claims and policy admin run on website and mobile app, covering both the app and the site.
- Monthly payments are available, so the premium never lands as a single bill.
Cons
- The excess is yours on every claim, and it runs $100 to $1,000.
- The published price examples cap payouts at $5,000 annual policy limit in the stated price examples.
- Claims run on website and mobile app only, and policy help on phone and help centre.
Who it suits
- US pet owners paying monthly from $10.
- Owners who want to set the excess themselves across $100 to $1,000.
- Pet owners who manage the policy in an app, since claims run on website and mobile app.
Who should look elsewhere
- bunq and bunq Spain readers after euro banking features, with a starting figure of €0, rather than pet cover.
- Linxea readers building savings from €25 rather than insuring a pet.
Who runs it
Embrace Pet Insurance is run by Embrace Pet Insurance Agency, LLC, founded in 2003 and based in the United States. The agency licence is listed as 0G89328. Underwriters carry the risk: American Modern Home Insurance Company, NAIC #0361-23469, and American Southern Home Insurance Company, 2222-8. Policy help comes through phone and help centre.
How Embrace Pet Insurance compares
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8.9 vs 8.7Linxea starts at €25, a savings product for readers who want money put away rather than a pet insured.
8.9 vs 9.0
8.9 vs 8.8bunq carries a starting figure of €0, so it reads as a euro banking account rather than an alternative to pet cover.
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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
How much does pet cover from Embrace Pet Insurance cost?+
Monthly policies start at $10 and the model is monthly, so the cost is spread across the year rather than paid upfront. Monthly payments are available, which suits owners who prefer a smaller regular charge. The final premium depends on the pet, the cover level and the excess chosen.
What excess do I pay on a claim?+
The excess is yours to choose and runs $100 to $1,000. A lower excess means less to pay at the point of claim, but it usually costs more in premium. Whichever level you pick, that amount is what the insurer keeps, so a large veterinary bill still leaves a gap for you to fund.
How much will a claim pay out?+
Cover depends on the limit you select, and the published price examples use $5,000 annual policy limit in the stated price examples. Anything above that limit stays with you, so a serious accident or illness can outrun the payout. Check the limit against the treatment you would expect, not just the routine visits you can plan for.
Who stands behind Embrace Pet Insurance?+
The agency is Embrace Pet Insurance Agency, LLC, licensed as an insurance agency under 0G89328. Underwriters American Modern Home Insurance Company, NAIC #0361-23469, and American Southern Home Insurance Company, 2222-8 carry the risk, so you can see whose balance sheet pays when a claim lands.
How do I make a claim?+
Claims are handled on website and mobile app only, so you submit and track from the app or the site rather than a branch. Keep the invoice and the clinical notes, since the underwriter decides on the evidence you provide. Worth setting up the app before you need it rather than during an emergency.
What does Embrace Pet Insurance actually insure?+
The book is pet insurance only, and the provider is an insurer rather than a broker, so cover sits with the named underwriters. If you also want home, car or life cover, this is a single purpose policy and the rest has to come from another provider.
How do I reach Embrace Pet Insurance?+
Support runs on phone and help centre, so a phone call or a help centre article covers most questions. Claims go through a different route, on website and mobile app, which is worth knowing before a pet needs care rather than at the moment it does.
Can I get cover outside the US?+
The agency is based in the United States and its licence, 0G89328, is a US insurance agency licence with state numbers. A US resident sits inside that perimeter, while anyone else needs cover from a provider in their own market.
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
US pet owners paying monthly from $10 who want control over the excess.