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. That's shorter than most competitors.
Embrace Pet Insurance Review
Updated: April 28, 2026
Advertising & Editorial Disclosure
Embrace Pet Insurance Review: Key Takeaways
Embrace ranks 14th for cat insurance affordability and 12th for dog insurance. Monthly premiums average $46 for cats and $73 for dogs.
Embrace ranks sixth for customer experience. It has an A+ BBB rating and scores 4.3 out of 5 on Trustpilot. Customers are satisfied.
Embrace ranks 10th for coverage quality. It sells comprehensive accident and illness insurance plus an optional wellness rewards program for preventive care.
Embrace Pet Insurance Ratings
Data filtered by:
Dog
| Coverage | 1.89 | 10 |
| Affordability | 2.22 | 12 |
| Overall Score | 2.55 | 13 |
| Customer Experience | 3.54 | 6 |
WHO IS EMBRACE PET INSURANCE BEST FOR?
Embrace works for owners wanting immediate accident coverage. It includes hereditary conditions and behavioral therapy in standard coverage at no extra charge. Customize deductibles starting at $100. Annual limits go up to unlimited coverage.
Learn more about the best pet insurance options for your pet:
Embrace Pet Insurance Ratings by State
Embrace sells pet insurance in all 50 states. It ranks 11th in six states for dogs and one state for cats. Embrace doesn't rank as the best pet insurance overall. It ranks sixth nationally for customer experience.
Data filtered by:
Overall Score
Dog
| Ohio | 2.3 | 14 |
| Oregon | 2.3 | 14 |
| Utah | 2.3 | 14 |
| Hawaii | 2.35 | 14 |
| Colorado | 2.4 | 14 |
| California | 2.45 | 14 |
| New Hampshire | 2.45 | 14 |
| Georgia | 2.5 | 14 |
| Massachusetts | 2.5 | 14 |
| North Carolina | 2.5 | 14 |
| Connecticut | 2.55 | 13 |
| Iowa | 2.55 | 13 |
| Minnesota | 2.55 | 14 |
| South Dakota | 2.55 | 13 |
| South Carolina | 2.55 | 12 |
| Virginia | 2.55 | 14 |
| Wisconsin | 2.55 | 13 |
| Delaware | 2.6 | 13 |
| Indiana | 2.6 | 13 |
| Louisiana | 2.6 | 13 |
| Maryland | 2.6 | 13 |
| Maine | 2.6 | 13 |
| Vermont | 2.6 | 13 |
| Alaska | 2.65 | 12 |
| Florida | 2.65 | 12 |
| Michigan | 2.65 | 12 |
| Mississippi | 2.65 | 12 |
| New Jersey | 2.65 | 13 |
| New York | 2.65 | 13 |
| Rhode Island | 2.65 | 13 |
| Alabama | 2.7 | 12 |
| Arizona | 2.7 | 12 |
| Missouri | 2.7 | 13 |
| Montana | 2.7 | 12 |
| Pennsylvania | 2.7 | 12 |
| Texas | 2.7 | 12 |
| West Virginia | 2.7 | 12 |
| Idaho | 2.75 | 11 |
| Kansas | 2.75 | 12 |
| Kentucky | 2.75 | 12 |
| Oklahoma | 2.75 | 12 |
| New Mexico | 2.8 | 12 |
| Wyoming | 2.8 | 12 |
| Nevada | 2.85 | 11 |
| North Dakota | 2.85 | 12 |
| Tennessee | 2.85 | 11 |
| Nebraska | 2.9 | 11 |
| Washington | 2.9 | 13 |
| Illinois | 2.95 | 11 |
| Arkansas | 3 | 11 |
Embrace Pet Insurance Comparison
Embrace compares to other national pet insurers in these ways:
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 average $73 monthly ($874 yearly) for dog coverage and $46 monthly ($547 yearly) for cats. Your premium changes based on your location and pet breed.
| Cat | $46 | $32 | $547 | $379 | 44% |
| Dog | $73 | $60 | $874 | $723 | 21% |
Embrace Pet Insurance Rates by State
Embrace premiums differ by state based on local veterinary costs and claim patterns. The cheapest pet insurance for cats starts at $29 monthly in Arkansas. Maine costs $61. Dog coverage ranges from $46 in Arkansas to $97 in Maine.
Data filtered by:
Dog
| Arkansas | $46 | $551 |
| North Dakota | $53 | $641 |
| Alabama | $55 | $665 |
| Missouri | $59 | $709 |
| Oklahoma | $60 | $717 |
| Louisiana | $60 | $718 |
| Nebraska | $60 | $724 |
| Montana | $61 | $729 |
| Kentucky | $61 | $737 |
| West Virginia | $62 | $747 |
| Mississippi | $63 | $752 |
| Tennessee | $63 | $752 |
| New Mexico | $64 | $763 |
| Kansas | $64 | $769 |
| Rhode Island | $65 | $778 |
| Iowa | $65 | $779 |
| Indiana | $66 | $787 |
| Wyoming | $66 | $797 |
| Georgia | $66 | $798 |
| South Dakota | $67 | $807 |
| Vermont | $68 | $815 |
| Nevada | $69 | $825 |
| Idaho | $69 | $825 |
| North Carolina | $69 | $828 |
| Alaska | $69 | $831 |
| South Carolina | $70 | $844 |
| Michigan | $71 | $852 |
| Ohio | $72 | $861 |
| Delaware | $72 | $865 |
| Texas | $74 | $882 |
| Utah | $75 | $895 |
| Minnesota | $75 | $900 |
| New York | $77 | $921 |
| Hawaii | $77 | $929 |
| Wisconsin | $78 | $939 |
| Illinois | $79 | $943 |
| Florida | $80 | $955 |
| New Jersey | $80 | $956 |
| Pennsylvania | $82 | $980 |
| Connecticut | $83 | $991 |
| Maryland | $84 | $1,003 |
| Arizona | $84 | $1,008 |
| New Hampshire | $86 | $1,031 |
| Virginia | $86 | $1,036 |
| Washington | $88 | $1,053 |
| California | $94 | $1,133 |
| Massachusetts | $95 | $1,138 |
| Colorado | $95 | $1,143 |
| Oregon | $96 | $1,154 |
| Maine | $97 | $1,167 |
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
| Small Mix (Under 20 pounds) | $30 | $362 |
| Small Mix (11-25) | $35 | $415 |
| Small Mix (10 and less pounds) | $35 | $423 |
| Small Mix (0-20) | $36 | $424 |
| Small Mix (1-10 pounds) | $36 | $434 |
| Mixed breed Small (up to 20lbs when full grown) | $36 | $431 |
| Mixed Breed Small (>10 lbs) | $38 | $445 |
| Mixed Breed Small (11-30 lbs) | $39 | $466 |
| Domestic Shorthair | $40 | $475 |
| Chihuahua | $40 | $477 |
| Small Mix (11-30) | $41 | $491 |
| British Longhair | $41 | $490 |
| Ragdoll | $42 | $499 |
| Bombay | $42 | $499 |
| Small Mix (25 and less pounds) | $42 | $497 |
| Morkie | $42 | $507 |
| Siamese | $42 | $507 |
| Maltipoo | $42 | $511 |
| Russian Blue | $43 | $513 |
| Small Mix (22 pounds or less) | $43 | $520 |
| Shih Tzu | $44 | $533 |
| Toy Mix (10 and less pounds) | $45 | $535 |
| Norwegian Forest cat | $45 | $535 |
| Mixed Breed Medium (31-50 lbs) | $45 | $534 |
| Birman | $45 | $541 |
| Tonkinese | $45 | $541 |
| Jack Russell Terrier | $46 | $547 |
| Chinchilla | $46 | $549 |
| Devon Rex | $46 | $549 |
| Serengeti | $46 | $550 |
| Munchkin | $46 | $551 |
| Burmese | $46 | $552 |
| Cockapoo | $46 | $555 |
| Himalayan | $47 | $561 |
| Scottish Fold | $47 | $563 |
| Medium Mix (20-55 pounds) | $47 | $573 |
| Bengal | $47 | $566 |
| Snowshoe | $48 | $569 |
| Havanese | $48 | $574 |
| Yorkshire terrier | $48 | $576 |
| Cornish Rex | $49 | $583 |
| British Shorthair | $49 | $582 |
| Miniature Poodle | $49 | $587 |
| Persian | $49 | $586 |
| Puggle | $49 | $588 |
| Toy Poodle | $49 | $588 |
| Medium Mix (31-59 pounds) | $49 | $592 |
| Siberian | $49 | $589 |
| Savannah | $49 | $591 |
| Cavapoo | $50 | $599 |
| Balinese | $50 | $594 |
| Medium Mix (26-50 pounds) | $50 | $599 |
| Maltese | $50 | $599 |
| Medium Mix (20-70 pounds) | $50 | $601 |
| Shiba Inu | $50 | $602 |
| Medium Mix (31-50 pounds) | $50 | $602 |
| Papillon | $50 | $602 |
| Pomeranian | $50 | $603 |
| Coton De Tulear | $51 | $609 |
| Australian Mist | $51 | $613 |
| Miniature Pinscher | $51 | $613 |
| Groodle | $52 | $616 |
| Sphynx | $52 | $617 |
| Cavachon | $52 | $622 |
| Schnoodle | $52 | $624 |
| Maine Coon | $52 | $623 |
| Australian Silky Terrier | $53 | $631 |
| Lhasa Apso | $53 | $633 |
| Mixed Dog (21-50 pounds) | $53 | $636 |
| Australian Shepherd | $53 | $633 |
| Dachshund | $53 | $640 |
| Abyssinian | $53 | $638 |
| Japanese Chin | $54 | $642 |
| Dingo | $54 | $645 |
| American Hairless Terrier | $54 | $643 |
| Japanese Spitz | $54 | $648 |
| Border Collie | $54 | $648 |
| Basenji | $54 | $651 |
| Large Mix (51-110 pounds) | $55 | $657 |
| English Toy Terrier | $55 | $655 |
| American Eskimo | $55 | $662 |
| Miniature Dachshund | $55 | $661 |
| Shetland Sheepdog | $56 | $664 |
| Fox Terrier | $56 | $668 |
| Australian Terrier | $56 | $670 |
| Goldendoodle | $56 | $672 |
| Exotic Shorthair | $56 | $671 |
| Labradoodle | $56 | $674 |
| Pekingese | $56 | $674 |
| Peruvian Hairless Dog | $56 | $674 |
| Border Terrier | $56 | $677 |
| Miniature Schnauzer | $57 | $677 |
| West Highland White Terrier | $57 | $677 |
| Husky | $57 | $680 |
| Bichon Frise | $57 | $683 |
| Norwich Terrier | $58 | $690 |
| Brussels Griffon | $58 | $692 |
| Siberian Husky | $58 | $697 |
| Miniature Fox Terrier | $59 | $703 |
| Norfolk Terrier | $59 | $706 |
| Italian Greyhound | $59 | $706 |
| Cairn Terrier | $59 | $708 |
| Large Mix (Over 70 pounds) | $59 | $714 |
| Welsh Springer Spaniel | $59 | $713 |
| Bearded Collie | $59 | $711 |
| Giant Mix (111 pounds+) | $59 | $713 |
| Large Mix (51-100 pounds) | $60 | $717 |
| Irish Terrier | $60 | $717 |
| Boston Terrier | $60 | $716 |
| Large Mix (61+ pounds) | $60 | $718 |
| Medium Mix (23-70 pounds) | $60 | $720 |
| Mixed Breed Large (51-90 lbs) | $60 | $717 |
| Affenpinscher | $60 | $720 |
| Icelandic Sheepdog | $60 | $720 |
| Wire Fox Terrier | $60 | $722 |
| German Pinscher | $60 | $723 |
| Whippet | $61 | $727 |
| Large Mix (55-90 pounds) | $61 | $732 |
| Australian Cattle Dog | $62 | $740 |
| Finnish Lapphund | $62 | $747 |
| Alaskan Husky | $62 | $746 |
| Australian Kelpie | $63 | $752 |
| Norwegian Elkhound | $63 | $756 |
| Petit Basset Griffon Vendeens | $63 | $758 |
| Cavalier King Charles Spaniel | $63 | $755 |
| German Spitz | $63 | $756 |
| Welsh Terrier | $63 | $759 |
| Standard Schnauzer | $63 | $763 |
| Welsh Corgi Cardigan | $64 | $763 |
| Mixed Breed | $64 | $772 |
| Collie | $64 | $769 |
| Mixed Dog (51-90 pounds) | $64 | $764 |
| Beagle | $65 | $776 |
| Pug | $65 | $774 |
| Soft Coated Wheaten Terrier | $65 | $776 |
| English Springer Spaniel | $65 | $780 |
| Giant Mix (110 pounds+) | $65 | $780 |
| Large Mix (60-109 pounds) | $65 | $780 |
| Medium Mix (26-59 pounds) | $65 | $780 |
| Small Mix (0-25) | $65 | $780 |
| Pembroke Welsh Corgi | $65 | $780 |
| Welsh Corgi Pembroke | $65 | $780 |
| Tibetan Terrier | $65 | $783 |
| Puli | $66 | $791 |
| Cocker spaniel | $66 | $792 |
| Pointer | $66 | $795 |
| German Shorthaired Pointer | $66 | $797 |
| Basset Fauve de Bretagne | $67 | $802 |
| Mixed Dog (91 pounds+) | $67 | $805 |
| Keeshond | $67 | $808 |
| Samoyed | $68 | $813 |
| Smooth Collie | $68 | $813 |
| Scottish Terrier | $68 | $815 |
| Italian Spinone | $69 | $823 |
| English Foxhound | $69 | $827 |
| Giant Mix (100 pounds+) | $69 | $827 |
| English Pointer | $70 | $840 |
| Vizsla | $71 | $847 |
| American Foxhound | $71 | $844 |
| Saluki | $71 | $848 |
| Field Spaniel | $71 | $856 |
| Rough Collie | $71 | $855 |
| Foxhound | $71 | $855 |
| Staffordshire Bull Terrier | $72 | $861 |
| Portuguese Water Dog | $72 | $862 |
| Corgi | $73 | $873 |
| Irish Setter | $73 | $874 |
| Labrador Retriever | $73 | $874 |
| Alaskan Malamute | $73 | $876 |
| Harrier | $74 | $882 |
| German Shepherd | $74 | $888 |
| Standard Poodle | $75 | $894 |
| Bracco Italiano | $75 | $901 |
| Belgian Shepherd Malinois | $76 | $911 |
| Golden Retriever | $76 | $914 |
| English Setter | $76 | $912 |
| Afghan Hound | $77 | $919 |
| Hungarian Vizsla | $79 | $948 |
| Pitbull | $80 | $956 |
| Lurcher | $80 | $958 |
| Alsation | $80 | $963 |
| Chow Chow | $81 | $967 |
| Airedale Terrier | $81 | $971 |
| Miniature Bull Terrier | $82 | $980 |
| Briard | $82 | $976 |
| Petit Basset Griffon Vendeen | $82 | $981 |
| Estrela Mountain Dog | $84 | $1,003 |
| Clumber Spaniel | $84 | $1,003 |
| Alsatian | $84 | $1,008 |
| Old English Sheepdog | $84 | $1,007 |
| Akita | $85 | $1,016 |
| Komondor | $85 | $1,018 |
| Greyhound | $86 | $1,028 |
| Dalmatian | $86 | $1,033 |
| Bull Terrier | $87 | $1,041 |
| American Staffordshire Terrier | $87 | $1,043 |
| Small Mix (20 and under pounds) | $87 | $1,045 |
| Giant Mix (90 pounds+) | $88 | $1,046 |
| Rhodesian Ridgeback | $89 | $1,064 |
| Gordon Setter | $89 | $1,068 |
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.
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) |
Multiple pets | 10% | Must insure two or more pets with Embrace |
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.
Accident & illness plan | Includes injuries, illnesses, diagnostics, surgery, prescriptions, hereditary and congenital conditions, behavioral treatments and alternative therapies |
Bilateral conditions | If one side is pre-existing, the opposite side may be excluded |
Enrollment restrictions | Full coverage available for pets 6 weeks to 14 years old; 15 years old and above limited to accident-only plans |
Pre-existing conditions | Not covered; curable conditions may be considered after a 12-month waiting period if symptom-free |
No waiting period for accidents, 14 days for illnesses, 6 months for orthopedic conditions (with option for reduction via vet exam) | |
70%, 80%, 90% | |
$100 to $1,000 | |
Accident-only plan | Fixed $100 deductible, 90% reimbursement, $5,000 maximum annual limit |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | |
*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 stays 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 gives a 10% multiple pet discount when you insure two or more pets on the same account. Get additional savings through AAA membership, workplace benefit programs and other qualifying discounts to cut your premium costs more.
Is Embrace pet insurance available in my state?
Yes, Embrace operates in all 50 states. Premium costs depend on your location. States have different rates. Cat coverage starts at $29 monthly in Arkansas and hits $61 in Maine. Dog insurance ranges from $46 monthly 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Better Business Bureau. "Embrace Pet Insurance." Accessed May 8, 2026.
- Trustpilot. "Embrace Pet Insurance." Accessed May 8, 2026.