Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
5

out of 5

POSTED: | BY: Hinez Carvalho

This Company insurance is great

This Company insurance is great! I’m using since April 2025 and everything my dogs are using at hospital, they are paying 100% covered!!!thank you I always recommend
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5

out of 5

POSTED: | BY: Emma Codd

First time ‘using’ Embrace after paying…

First time ‘using’ Embrace after paying dues for several years. Embrace paid out for all claims without any issues - it was such a relief to not having to worry about the cost of surgery. I’ve had different insurance providers for my dogs over the years and Embrace is the best, by far!! Highly, highly recommend!
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5

out of 5

POSTED: | BY: George Cox

Customer service is great

Customer service is great. Covers exactly what’s on the policy. Claim paid almost immediately.
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5

out of 5

POSTED: | BY: Samantha Giuliano

The claim process is so easy

The claim process is so easy. It takes 1-2 minutes and is stress-free. It can take a bit to be reimbursed, but at least it doesn’t require a ton of effort from you to process it!
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5

out of 5

POSTED: | BY: Robert

Got a fast response

Got a fast response, well informed rep. Good experience.
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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 detail
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.
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