5
out of 5
POSTED: | BY: Wayne
Great service
Quick and easy from submitting a claim to payment received.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,007
Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard.
Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1
out of 5
POSTED: | BY: David Bussell
USAA RECOMMENDED
USAA RECOMMENDED, BUT
AFTER A YEAR OF PREMIUMS, SUBMITTED FIRST CLAIM AND DISCOVERED EMBRACE PET INSURANCE SUCKS, SUCKS, SUCKS, SUCKS, SUCKS, SUCKS.
REDUNANT EMAILS, REDUNANTS SUBMISSIONS OF CLAIMS, REDUNANT DENIALS. BEST ADVISE. DO NOT USE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
EMBRANCE HAS NO PROBLEMS COLLECTING AUTOMATIC PAYMENTS, BUT FAIL TO PROVIDE COVERAGE. USE NATION WIDE!
5
out of 5
POSTED: | BY: JodyK
Extremely Satisfied with Embrace
We have had Embrace Pet Insurance for many years and have been pleased with the continuous improvements made to the app that simplify the claims process and keep information at our fingertips. We are also very impressed with the people we have interacted with as they provide clear explanations and guidance. The care and expediency in the claims process is much appreciated. We are so glad we chose Embrace for our pets!
5
out of 5
POSTED: | BY: Andy Wolcott
The claims process was very…
The claims process was very straightforward and easy to complete.
5
out of 5
POSTED: | BY: Guy
Lana Claim 08-19-25
Claim was very easy to submit. Will up once claim is processed.
Monthly Cost
$13 – $100, depending on your chosen plan.
Coverage
You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan.
The pay-out amount is based on your actual vet bill.
Payout Limits
Annual limit of $2000, $5000, $10,000 or $15,000.
Deductible
Annual deductible options from $100 – $1,000.
Age Limits
Pet must be at least 6 weeks old to enroll.
New pets over 14 are eligible for accident-only coverage.
Once enrolled, pets can stay insured regardless of age.
Waiting Period
There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.
Exclusions
Pre-existing conditions are not covered.
Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active.
Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian.
Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection.
In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard.
For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.