Based in Cleveland, Embrace offers popular and comprehensive pet insurance for cats and dogs. In fact, big-name insurers Allstate, Geico and USAA use Embrace as their go-to pet insurance provider. So if you're a Geico customer trying to buy a policy for your dog, for instance, Geico will provide you with a quote from Embrace.

The standard Embrace plan reimburses up to 90% of your vet expenses for a wide variety of conditions and treatments. You can easily customize the plan to include a deductible, reimbursement amount and annual limit you feel comfortable with.

Embrace also donates $2 per policy sold to charitable causes.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

Embrace pet insurance
5.0NerdWallet rating 
Embrace earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

Based on this rating, Embrace is on NerdWallet's list of the Best Pet Insurance Companies.

State availability
Embrace pet insurance is available in Washington, D.C., and all states except Maine.

Embrace pet insurance plans
Embrace offers several types of coverage to choose from.

Coverage for accidents and illnesses
For most pets, Embrace offers a single policy covering accidents and illnesses. It will reimburse you a certain percentage of your vet bill, up to your annual limit and minus your deductible. As long as you enroll your pet by the age of 14, the pet can have accident and illness coverage for life.

Pets who start their policies at age 15 or older are eligible for accident-only coverage.

Wellness Rewards
In most states, you can add Wellness Rewards, which helps pay for flea and tick prevention, vaccinations and other routine expenses. There’s no copayment for Wellness Rewards, and your spending under this plan doesn’t count toward the deductible on your accident and injury policy.

The Wellness Rewards plan is designed to save you about $25 on care per year, as long as you use your entire reimbursement allowance. For example, the plan with a $250 annual allowance costs $18.75 a month in premiums, or $225 for the year. But if you don’t spend the full $250 allowance at the vet that year, you could end up paying more for the coverage than you get out of it.

Wellness Rewards isn’t available in Rhode Island.

What Embrace pet insurance covers
The standard Embrace policy includes: 

Exams, treatment, hospitalization and surgery for injuries and illnesses, including cancer.

Diagnostic tests.

Prescription medication.

Hereditary conditions.

Congenital conditions.

Dental illnesses, including gingivitis, up to $1,000 a year.

Complementary treatments such as acupuncture and laser therapy.

Treatments prescribed by veterinary specialists, such as behavioralists and oncologists.

The accident-only plan for senior pets doesn’t pay for treatment of any illnesses. However, it will cover scenarios like your cat swallowing a toy or your dog getting hit by a car. This policy also covers bloat, an emergency condition in which the stomach twists upon itself. The plan also pays for prescription medication to help treat these accidents in every state except New York.

The Wellness Rewards plan covers routine care, such as:

Vaccinations.

Spaying and neutering.

Flea, tick and heartworm preventives.

Microchipping.

Wellness exams.

Grooming and nail clipping.

Cremation or burial.

Nutritional supplements and prescription diet food.

Training.

Preventive teeth cleaning.

What’s not covered
Embrace accident and illness insurance doesn’t cover:

Preexisting conditions, except for curable conditions that haven’t recurred in at least a year.

Expenses associated with breeding or pregnancy.

Illness or injury due to fighting, racing or mistreatment.

Cosmetic procedures.

Wellness care.

Prescription supplements or diets (unless you’ve added Wellness Rewards).

The accident-only plan won’t cover the above or treatment for any illness.

» MORE: Complete guide to pet insurance coverage

Embrace coverage options
Deductibles: Annual deductibles for the accident and illness policy range from $100 to $1,000 per year. For the accident-only policy, an annual deductible of $100 applies.

Reimbursement amounts: For the accident and illness policy, you can choose to be reimbursed for 70%, 80% or 90% of your vet expenses. The accident-only policy reimburses you for 90% of your expenses.

Coverage limits: For the accident and illness policy, annual coverage limits range from $5,000 to unlimited. For the accident-only policy, the annual limit is $5,000.

Restrictions and waiting periods
Age restrictions: Pets must be at least 6 weeks old to get a policy. There’s no maximum age, but pets 15 and up at the time of enrollment can’t get accident and illness insurance, only coverage for accidents.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. Embrace waiting periods are 48 hours for accidents, 14 days for illnesses and six months for orthopedic conditions for dogs. You may be able to reduce the latter period to 14 days by taking your dog for an orthopedic exam. There’s no waiting period for routine care with Wellness Rewards.

Discounts
Embrace offers the following ways to save on pet insurance:

10% multiple pet discount.

5% military discount (not available in New York or Tennessee).

You can avoid a monthly billing fee by paying your annual premium in full, upfront.

The company is also in the process of rolling out a premium discount for healthy pets who don’t file claims.

» MORE: Is pet insurance worth it?

Consumer experience
Website: The Embrace website is easy to navigate, offers quick online quotes and has plenty of coverage information. You can log in to the MyEmbrace portal to file and track claims, update your billing or policy information, add a new pet or contact customer support.

App: The highly rated Embrace mobile app lets you file claims, check remaining coverage limits, update your policy or add a new pet.

Claims: You can submit a claim online, through the app or by email, fax or physical mail. It generally takes 10 to 15 business days for Embrace to process a claim. For faster payment, sign up for direct deposit rather than receiving a check in the mail.

Customer service: You can call Embrace’s customer service representatives at 800-511-9172, Monday through Saturday. You can also send an email to hello@embracepetinsurance.com or use the online chatbot. The PawSupport telemedicine service offers 24/7 support if you have questions about your pet’s care. You can access PawSupport by logging into your online portal.