Embrace's pet insurance scores 2.30 out of 5 for cats and 2.55 for dogs in MoneyGeek's analysis. The company excels in customer experience but charges higher premiums than many competitors. Embrace requires only a two-day waiting period for accident coverage, shorter than most competitors.
Embrace Pet Insurance Review
Updated: November 27, 2025
Advertising & Editorial Disclosure
Embrace Pet Insurance Review: Key Takeaways
Embrace ranks 14th for cat insurance affordability and 12th for dog insurance, with monthly premiums averaging $46 for cats and $73 for dogs.
Ranking sixth for customer experience, Embrace maintains an A+ BBB rating and scores 4.3 out of 5 on Trustpilot, showing strong customer satisfaction.
Embrace ranks 10th for coverage quality, offering comprehensive accident and illness insurance plus an optional wellness rewards program for preventive care.
Embrace Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 2.22 | 12 |
| Coverage | 1.90 | 10 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 2.55 | 13 |
WHO IS EMBRACE PET INSURANCE BEST FOR?
Embrace ranks among the best pet insurance companies for owners who want immediate accident coverage. The provider includes hereditary conditions and behavioral therapy in its standard coverage at no extra charge. You can customize deductibles starting at $100 and annual limits up to unlimited coverage.
Learn more about the best pet insurance options for your pet:
Embrace Pet Insurance Ratings by State
Embrace offers pet insurance coverage in all 50 states. The company ranks 11th in six states for dogs and one state for cats. While Embrace doesn't provide the best pet insurance overall, it ranks sixth nationally for customer experience.
Data filtered by:
Overall Score
Dog
| Alabama | 2.70 | 12 |
| Alaska | 2.65 | 12 |
| Arizona | 2.70 | 12 |
| Arkansas | 3.00 | 11 |
| California | 2.45 | 14 |
| Colorado | 2.40 | 14 |
| Connecticut | 2.55 | 13 |
| Delaware | 2.60 | 13 |
| Florida | 2.65 | 12 |
| Georgia | 2.50 | 14 |
| Hawaii | 2.35 | 14 |
| Idaho | 2.75 | 11 |
| Illinois | 2.95 | 11 |
| Indiana | 2.60 | 13 |
| Iowa | 2.55 | 13 |
| Kansas | 2.75 | 12 |
| Kentucky | 2.75 | 12 |
| Louisiana | 2.60 | 13 |
| Maryland | 2.60 | 13 |
| Maine | 2.60 | 13 |
| Massachusetts | 2.50 | 14 |
| Minnesota | 2.55 | 14 |
| Michigan | 2.65 | 12 |
| Mississippi | 2.65 | 12 |
| Missouri | 2.70 | 13 |
| New Hampshire | 2.45 | 14 |
| Montana | 2.70 | 12 |
| Nebraska | 2.90 | 11 |
| Nevada | 2.85 | 11 |
| New Mexico | 2.80 | 12 |
| New Jersey | 2.65 | 13 |
| New York | 2.65 | 13 |
| North Carolina | 2.50 | 14 |
| North Dakota | 2.85 | 12 |
| Ohio | 2.30 | 14 |
| Oklahoma | 2.75 | 12 |
| Oregon | 2.30 | 14 |
| Pennsylvania | 2.70 | 12 |
| Rhode Island | 2.65 | 13 |
| South Dakota | 2.55 | 13 |
| South Carolina | 2.55 | 12 |
| Tennessee | 2.85 | 11 |
| Texas | 2.70 | 12 |
| Utah | 2.30 | 14 |
| Vermont | 2.60 | 13 |
| Virginia | 2.55 | 14 |
| Washington | 2.90 | 13 |
| West Virginia | 2.70 | 12 |
| Wyoming | 2.80 | 12 |
| Wisconsin | 2.55 | 13 |
Embrace Pet Insurance Comparison
Here's how Embrace stacks up against other national pet insurers.
Embrace vs. AKC | • Dogs: 2.55 vs. 4.30 • Cats: 2.30 vs. 3.85 | AKC scores higher in all categories, especially coverage and affordability. |
• Dogs: 2.55 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA offers better affordability and overall scores across all categories. | |
• Dogs: 2.55 vs. 2.70 • Cats: 2.30 vs. 2.95 | Fetch scores higher on coverage, but Embrace costs less. Both rank low on customer experience. | |
• Dogs: 2.55 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo leads in affordability, coverage and overall scores. | |
Embrace vs. Hartville | • Dogs: 2.55 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville offers better affordability and coverage across nearly all categories. |
• Dogs: 2.55 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less and scores higher in both coverage and affordability. | |
Embrace vs. Liberty Mutual | • Dogs: 2.55 vs. 2.65 • Cats: 2.30 vs. 2.30 | Both have low scores. Liberty Mutual has a slight affordability edge, but Embrace performs better on customer service. |
• Dogs: 2.55 vs. 3.05 • Cats: 2.30 vs. 2.40 | Met Life leads in affordability, but Embrace performs better in customer experience. Both have weak coverage scores. | |
• Dogs: 2.55 vs. 2.50 • Cats: 2.30 vs. 2.65 | Nationwide costs more but gives better coverage. Embrace scores slightly higher for dogs. | |
• Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.80 | Pets Best delivers stronger affordability and coverage across nearly all categories. | |
• Dogs: 2.55 vs. 3.70 • Cats: 2.30 vs. 4.15 | Pumpkin scores higher on affordability and overall performance across all areas. | |
Embrace vs. Rainwalk | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk excels in customer service and affordability across most categories. |
Embrace vs. Spot | • Dogs: 2.55 vs. 3.75 • Cats: 2.30 vs. 4.15 | Spot is stronger in affordability, coverage and customer service overall. |
How Much Does Embrace Pet Insurance Cost?
Embrace's pet insurance costs an average of $73 monthly ($874 yearly) for dog coverage and $46 monthly ($547 yearly) for cats. Your premium changes based on your location and pet breed.
| Dog | $73 | $60 | $874 | $723 | 21% |
| Cat | $46 | $32 | $547 | $379 | 44% |
Embrace Pet Insurance Rates by State
Embrace premiums differ by state based on local veterinary costs and claim patterns. For cats, the cheapest pet insurance rates start at $29 monthly in Arkansas, while Maine costs $61. Dog coverage ranges from $46 in Arkansas to $97 in Maine.
Data filtered by:
Dog
| Alabama | $55 | $665 |
| Alaska | $69 | $831 |
| Arizona | $84 | $1,008 |
| Arkansas | $46 | $551 |
| California | $94 | $1,133 |
| Colorado | $95 | $1,143 |
| Connecticut | $83 | $991 |
| Delaware | $72 | $865 |
| Florida | $80 | $955 |
| Georgia | $66 | $798 |
| Hawaii | $77 | $929 |
| Idaho | $69 | $825 |
| Illinois | $79 | $943 |
| Indiana | $66 | $787 |
| Iowa | $65 | $779 |
| Kansas | $64 | $769 |
| Kentucky | $61 | $737 |
| Louisiana | $60 | $718 |
| Maine | $97 | $1,167 |
| Maryland | $84 | $1,003 |
| Massachusetts | $95 | $1,138 |
| Michigan | $71 | $852 |
| Minnesota | $75 | $900 |
| Mississippi | $63 | $752 |
| Missouri | $59 | $709 |
| Montana | $61 | $729 |
| Nebraska | $60 | $724 |
| Nevada | $69 | $825 |
| New Hampshire | $86 | $1,031 |
| New Jersey | $80 | $956 |
| New Mexico | $64 | $763 |
| New York | $77 | $921 |
| North Carolina | $69 | $828 |
| North Dakota | $53 | $641 |
| Ohio | $72 | $861 |
| Oklahoma | $60 | $717 |
| Oregon | $96 | $1,154 |
| Pennsylvania | $82 | $980 |
| Rhode Island | $65 | $778 |
| South Carolina | $70 | $844 |
| South Dakota | $67 | $807 |
| Tennessee | $63 | $752 |
| Texas | $74 | $882 |
| Utah | $75 | $895 |
| Vermont | $68 | $815 |
| Virginia | $86 | $1,036 |
| Washington | $88 | $1,053 |
| West Virginia | $62 | $747 |
| Wisconsin | $78 | $939 |
| Wyoming | $66 | $797 |
Embrace Pet Insurance Rates by Breed
Embrace pet insurance premiums differ by breed. Dog owners pay around $30 monthly for small mix breeds under 20 pounds, compared to $141 per month for Bullmastiffs. Cat premiums range from $40 for Domestic Shorthairs to $56 for Exotic Shorthairs.
Data filtered by:
Select
Select
| Abyssinian | $53 | $638 |
| Affenpinscher | $60 | $720 |
| Afghan Hound | $77 | $919 |
| Airedale Terrier | $81 | $971 |
| Akita | $85 | $1,016 |
| Alaskan Husky | $62 | $746 |
| Alaskan Malamute | $73 | $876 |
| Alsatian | $84 | $1,008 |
| Alsation | $80 | $963 |
| American Bulldog | $102 | $1,226 |
| American Bully | $96 | $1,148 |
| American Eskimo | $55 | $662 |
| American Foxhound | $71 | $844 |
| American Hairless Terrier | $54 | $643 |
| American Staffordshire Terrier | $87 | $1,043 |
| Australian Cattle Dog | $62 | $740 |
| Australian Kelpie | $63 | $752 |
| Australian Mist | $51 | $613 |
| Australian Shepherd | $53 | $633 |
| Australian Silky Terrier | $53 | $631 |
| Australian Terrier | $56 | $670 |
| Balinese | $50 | $594 |
| Basenji | $54 | $651 |
| Basset Fauve de Bretagne | $67 | $802 |
| Basset Hound | $92 | $1,098 |
| Beagle | $65 | $776 |
| Bearded Collie | $59 | $711 |
| Belgian Shepherd Malinois | $76 | $911 |
| Bengal | $47 | $566 |
| Bernese Mountain Dog | $137 | $1,646 |
| Bichon Frise | $57 | $683 |
| Birman | $45 | $541 |
| Bloodhound | $102 | $1,218 |
| Bombay | $42 | $499 |
| Border Collie | $54 | $648 |
| Border Terrier | $56 | $677 |
| Borzoi | $95 | $1,131 |
| Boston Terrier | $60 | $716 |
| Boxer | $99 | $1,186 |
| Bracco Italiano | $75 | $901 |
| Briard | $82 | $976 |
| British Bulldog | $120 | $1,444 |
| British Longhair | $41 | $490 |
| British Shorthair | $49 | $582 |
| Brussels Griffon | $58 | $692 |
| Bullmastiff | $138 | $1,653 |
| Bull Mastiff | $141 | $1,691 |
| Bull Terrier | $87 | $1,041 |
| Burmese | $46 | $552 |
| Cairn Terrier | $59 | $708 |
| Cane Corso | $114 | $1,371 |
| Caucasian Shepherd Dog | $109 | $1,311 |
| Cavachon | $52 | $622 |
| Cavalier King Charles Spaniel | $63 | $755 |
| Cavapoo | $50 | $599 |
| Central Asian Shepherd Dog | $98 | $1,169 |
| Chihuahua | $40 | $477 |
| Chinchilla | $46 | $549 |
| Chow Chow | $81 | $967 |
| Clumber Spaniel | $84 | $1,003 |
| Cockapoo | $46 | $555 |
| Cocker spaniel | $66 | $792 |
| Collie | $64 | $769 |
| Corgi | $73 | $873 |
| Cornish Rex | $49 | $583 |
| Coton De Tulear | $51 | $609 |
| Dachshund | $53 | $640 |
| Dalmatian | $86 | $1,033 |
| Devon Rex | $46 | $549 |
| Dingo | $54 | $645 |
| Doberman Pincher | $98 | $1,176 |
| Doberman Pinscher | $138 | $1,658 |
| Dogue de Bordeaux | $137 | $1,640 |
| Domestic Shorthair | $40 | $475 |
| English Bulldog | $124 | $1,484 |
| English Foxhound | $69 | $827 |
| English Mastiff | $126 | $1,505 |
| English Pointer | $70 | $840 |
| English Setter | $76 | $912 |
| English Springer Spaniel | $65 | $780 |
| English Toy Terrier | $55 | $655 |
| Estrela Mountain Dog | $84 | $1,003 |
| Exotic Shorthair | $56 | $671 |
| Field Spaniel | $71 | $856 |
| Finnish Lapphund | $62 | $747 |
| Foxhound | $71 | $855 |
| Fox Terrier | $56 | $668 |
| French Bulldog | $113 | $1,355 |
| German Pinscher | $60 | $723 |
| German Shepherd | $74 | $888 |
| German Shorthaired Pointer | $66 | $797 |
| German Spitz | $63 | $756 |
| Giant Mix (100 pounds+) | $69 | $827 |
| Giant Mix (110 pounds+) | $65 | $780 |
| Giant Mix (111 pounds+) | $59 | $713 |
| Giant Mix (90 pounds+) | $88 | $1,046 |
| Goldendoodle | $56 | $672 |
| Golden Retriever | $76 | $914 |
| Gordon Setter | $89 | $1,068 |
| Great Dane | $128 | $1,528 |
| Great Pyrenees | $90 | $1,080 |
| Greyhound | $86 | $1,028 |
| Groodle | $52 | $616 |
| Harrier | $74 | $882 |
| Havanese | $48 | $574 |
| Himalayan | $47 | $561 |
| Hungarian Vizsla | $79 | $948 |
| Husky | $57 | $680 |
| Icelandic Sheepdog | $60 | $720 |
| Irish Setter | $73 | $874 |
| Irish Terrier | $60 | $717 |
| Italian Greyhound | $59 | $706 |
| Italian Spinone | $69 | $823 |
| Jack Russell Terrier | $46 | $547 |
| Japanese Chin | $54 | $642 |
| Japanese Spitz | $54 | $648 |
| Kangal Shepherd Dog | $118 | $1,411 |
| Keeshond | $67 | $808 |
| Komondor | $85 | $1,018 |
| Labradoodle | $56 | $674 |
| Labrador Retriever | $73 | $874 |
| Large Mix (51-100 pounds) | $60 | $717 |
| Large Mix (51-110 pounds) | $55 | $657 |
| Large Mix (55-90 pounds) | $61 | $732 |
| Large Mix (60-109 pounds) | $65 | $780 |
| Large Mix (61+ pounds) | $60 | $718 |
| Large Mix (71+ pounds) | $109 | $1,308 |
| Large Mix (Over 70 pounds) | $59 | $714 |
| Lhasa Apso | $53 | $633 |
| Lurcher | $80 | $958 |
| Maine Coon | $52 | $623 |
| Maltese | $50 | $599 |
| Maltipoo | $42 | $511 |
| Medium Mix (20-55 pounds) | $47 | $573 |
| Medium Mix (20-70 pounds) | $50 | $601 |
| Medium Mix (21-70 pounds) | $113 | $1,355 |
| Medium Mix (23-70 pounds) | $60 | $720 |
| Medium Mix (26-50 pounds) | $50 | $599 |
| Medium Mix (26-59 pounds) | $65 | $780 |
| Medium Mix (31-50 pounds) | $50 | $602 |
| Medium Mix (31-59 pounds) | $49 | $592 |
| Miniature Bull Terrier | $82 | $980 |
| Miniature Dachshund | $55 | $661 |
| Miniature Fox Terrier | $59 | $703 |
| Miniature Pinscher | $51 | $613 |
| Miniature Poodle | $49 | $587 |
| Miniature Schnauzer | $57 | $677 |
| Mixed Breed | $64 | $772 |
| Mixed Breed Giant (>90 lbs) | $91 | $1,095 |
| Mixed Breed Large (51-90 lbs) | $60 | $717 |
| Mixed Breed Medium (31-50 lbs) | $45 | $534 |
| Mixed Breed Small (>10 lbs) | $38 | $445 |
| Mixed Breed Small (11-30 lbs) | $39 | $466 |
| Mixed breed Small (up to 20lbs when full grown) | $36 | $431 |
| Mixed Dog (21-50 pounds) | $53 | $636 |
| Mixed Dog (51-90 pounds) | $64 | $764 |
| Mixed Dog (91 pounds+) | $67 | $805 |
| Morkie | $42 | $507 |
| Munchkin | $46 | $551 |
| Newfoundland | $123 | $1,473 |
| Norfolk Terrier | $59 | $706 |
| Norwegian Elkhound | $63 | $756 |
| Norwegian Forest cat | $45 | $535 |
| Norwich Terrier | $58 | $690 |
| Olde English Bulldogge | $135 | $1,616 |
| Old English Buldogge | $108 | $1,289 |
| Old English Sheepdog | $84 | $1,007 |
| Papillon | $50 | $602 |
| Pekingese | $56 | $674 |
| Pembroke Welsh Corgi | $65 | $780 |
| Persian | $49 | $586 |
| Peruvian Hairless Dog | $56 | $674 |
| Petit Basset Griffon Vendeen | $82 | $981 |
| Petit Basset Griffon Vendeens | $63 | $758 |
| Pitbull | $80 | $956 |
| Pointer | $66 | $795 |
| Pomeranian | $50 | $603 |
| Portuguese Water Dog | $72 | $862 |
| Pug | $65 | $774 |
| Puggle | $49 | $588 |
| Puli | $66 | $791 |
| Ragdoll | $42 | $499 |
| Rhodesian Ridgeback | $89 | $1,064 |
| Rottweiler | $127 | $1,521 |
| Rough Collie | $71 | $855 |
| Russian Blue | $43 | $513 |
| Saint Bernard | $134 | $1,605 |
| Saluki | $71 | $848 |
| Samoyed | $68 | $813 |
| Savannah | $49 | $591 |
| Schnoodle | $52 | $624 |
| Scottish Deerhound | $105 | $1,256 |
| Scottish Fold | $47 | $563 |
| Scottish Terrier | $68 | $815 |
| Serengeti | $46 | $550 |
| Shar Pei | $108 | $1,300 |
| Shetland Sheepdog | $56 | $664 |
| Shiba Inu | $50 | $602 |
| Shih Tzu | $44 | $533 |
| Siamese | $42 | $507 |
Is Embrace Pet Insurance Expensive?
Embrace ranks 14th for cat insurance affordability and 12th for dogs, so it's not the cheapest option. The filterable table below shows costs by your pet's age, deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $88 | $1,056 | 23% |
Embrace Pet Insurance Discounts
Embrace offers pet insurance discounts for military members and a multi-pet discount when you insure multiple animals under one policy.
Multiple pets | 10% | Must insure two or more pets with Embrace |
Military | 5% | Must be an active or former member of the U.S. Air Force, Army, Marines, Navy or Coast Guard (not available in NY or TN) |
Embrace Pet Insurance Customer Service Reviews and Ratings
Embrace ranks sixth nationally for customer service with both cats and dogs. It maintains a high Better Business Bureau rating and receives moderate scores on Trustpilot. Reddit users share mixed experiences, with some praising Embrace's helpful representatives and quick responses, though others report frustrations with claim denials and lengthy processing times.
Embrace Trustpilot Reviews
Embrace earns a 4.1 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Embrace's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Embrace Better Business Bureau Rating
Embrace holds an A+ rating from the Better Business Bureau and maintains accredited business status. The A+ grade is BBB's top rating, showing Embrace meets its standards for trust and resolves customer complaints. BBB accreditation requires companies to address customer issues and follow ethical business practices.
Embrace Pet Insurance Reddit Sentiment
Embrace receives mostly negative feedback on Reddit, with only 29% positive responses in our analysis of 21 comments. Six users praised the company's customer service and clear policy language, but 15 criticized claim denials and coverage gaps. The feedback shows mixed views of Embrace's claims process.
Embrace Pet Insurance Coverage
Embrace offers pet insurance coverage for dogs and cats. Pet owners can customize policies through various coverage levels and optional add-ons, allowing them to create plans that fit their budget and their pet's health requirements.
$100 to $1,000 | |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | |
70%, 80%, 90% | |
Accident-only plan | Fixed $100 deductible, 90% reimbursement, $5,000 maximum annual limit |
Accident & illness plan | Includes injuries, illnesses, diagnostics, surgery, prescriptions, hereditary and congenital conditions, behavioral treatments and alternative therapies |
Pre-existing conditions | Not covered; curable conditions may be considered after a 12-month waiting period if symptom-free |
Bilateral conditions | If one side is pre-existing, the opposite side may be excluded |
No waiting period for accidents, 14 days for illnesses, 6 months for orthopedic conditions (with option for reduction via vet exam) | |
Enrollment restrictions | Full coverage available for pets 6 weeks to 14 years old; 15 years old and above limited to accident-only plans |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
MONEYGEEK EXPERT TIP
Embrace reimburses based on actual veterinary costs rather than restrictive benefit schedules or UCR limits (usual, customary and reasonable fees). Claims are handled through direct reimbursement after you pay your vet, and premiums may rise over time due to age, inflation or location. The company offers flexible policy adjustments, but raising coverage levels may restart certain waiting periods, so plan changes strategically.
Embrace Pet Insurance Coverage Add-Ons
Embrace provides wellness add-ons that cover routine preventive care for pet owners seeking comprehensive coverage. These plans include services like vaccinations, dental cleanings and wellness exams. The wellness plans start immediately upon enrollment with no deductibles or waiting periods.
Wellness Rewards | Reimburses preventive and routine care such as exams, vaccinations, dental cleanings, grooming, behavior training, prescription diets and microchipping |
Exam Fee Add-On | Reimburses vet exam fees of covered accidents and illnesses |
Is Embrace Pet Insurance Good: Bottom Line
Embrace charges $73 monthly for dog insurance and $46 for cat coverage on average. The company ranks sixth nationally for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available as an add-on.
Browse through our review guides for the top pet insurance companies for your pet:
Embrace Pet Insurance Review: FAQ
Find answers to common questions about Embrace pet insurance coverage and policies.
Is Embrace pet insurance worth it in 2025?
Embrace pet insurance is worth it in 2025, ranking sixth nationally for customer experience and 10th for coverage quality. With average premiums of $73 monthly for dogs and $46 for cats, the pricing is competitive for the coverage you get.
What do Reddit users really think about Embrace pet insurance?
Reddit users aren't very enthusiastic about Embrace pet insurance. Our analysis shows only 29% positive sentiment, with six favorable comments versus 15 negative ones. Users praise Embrace's responsive customer service and knowledgeable representatives but criticize lengthy claim processing times and strict coverage exclusions.
Does Embrace cover pre-existing conditions for pets?
Embrace excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and orthopedic issues like ligament or knee problems are permanently excluded.
Can I get a discount for insuring multiple pets with Embrace?
Yes, Embrace provides a 10% multiple pet discount when you insure two or more pets on the same account. You can access additional savings through AAA membership, workplace benefit programs and other qualifying discounts to reduce your premium costs further.
Is Embrace pet insurance available in my state?
Yes, Embrace operates in all 50 states. Premium costs depend on your location, with differences across states. Cat coverage starts at $29 monthly in Arkansas and reaches $61 in Maine. Dog insurance ranges from $46 per month in Arkansas to $97 in Maine.
How We Rated Embrace Pet Insurance
Pet owners need insurance that balances premiums with comprehensive coverage and responsive customer service. We designed our research to evaluate Embrace across the factors that matter most when choosing pet insurance: affordability, customer experience and coverage breadth.
Our research approach: We assessed Embrace across three key areas using standardized quotes for a 6-year-old Labrador Retriever (for dogs) and a 7-year-old Ragdoll (for cats) with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Why these factors matter for pet owners: We weighted affordability at 50% because premiums are the biggest factor when choosing pet insurance. We analyzed premium pricing by gathering quotes across various pet breeds, ages and plan options, incorporating available discounts to reflect actual costs pet owners pay.
Customer experience counted for 30% because pet owners need responsive service when filing claims for illnesses or injuries. This component draws from customer reviews and ratings on platforms like Trustpilot and Reddit to gauge real user satisfaction levels.
Coverage options made up 20% to reward insurers offering flexibility for different pet needs. We examined the breadth of policy benefits, available add-ons and overall protection scope to assess value for pet owners.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Embrace Pet Insurance." Accessed December 6, 2025.
- Trustpilot. "Embrace Pet Insurance." Accessed December 6, 2025.