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: Vincent Abruzzese

Claim for sick dog visit to our vet

Claim was submitted for visit to our vet due to vomiting and diarrhea. The claim process was simple and easy. Claim was completed within a few days with detailed explanation of coverages provided. We are 100% satisfied with Embrace pet insurance.
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5

out of 5

POSTED: | BY: Jacqueline Kimmey

Really like this insurance

Really like this insurance - policies are clear and easy to submit claims (unlike my experience with home insurance!). I do not recommend the wellness rewards - thats really just a pre-pay savings plan, not insurance. But the remaining coverage is great, claims are easy to file, and have never had unfair claim denials.
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5

out of 5

POSTED: | BY: suzan syron

Such an easy process

Such an easy process! it took less than 5 minutes to fill out, attach the invoice, and submit.Thank you for making it such an excellent experience
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5

out of 5

POSTED: | BY: Christian Barnes

Good pet insurance company

Good pet insurance company. They are very helpful and great customer service support team.
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5

out of 5

POSTED: | BY: Leonor Fernandez

"Peace of Mind After the Shake-Up – Thank You, Embrace!"

When Nationwide Pet Insurance unexpectedly pulled out of Florida, I was left scrambling to find a reliable replacement. After doing a lot of comparison shopping, I chose Embrace, and I’m so glad I did. With my anniversary coming up in October 2025, I can confidently say Embrace has been a solid choice. Insuring an older pet can be challenging, especially with pre-existing conditions not being covered, but Embrace was upfront about everything from the beginning. Their transparency, honesty, and patience really stood out. They answered all my questions thoroughly and even helped me compare options to make the best decision for my pet’s needs. It’s rare to find this level of support and customer care. I highly recommend Embrace to anyone navigating the complex world of pet insurance, especially if you're doing so under time pressure or with an older pet.
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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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