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: Michelle De Leonibus

A relief while going through the worst...

I have had them since my old man was 6 months old and they are excellent! I recommend them all the time! Finally having to use it now, sadly, but they have been super kind during my guy's treatment, and they review and pay quickly, which is so helpful when you are paying large amounts for cancer treatment! Thanks Embrace!
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5

out of 5

POSTED: | BY: Alan higbee

This company is great

This company is great. It doesn’t take long to get reimbursed. They check all your documents and make sure everything is right. I already recommended them to several people
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1

out of 5

POSTED: | BY: Tamra Daniels

If I could give 0 stars I would

If I could, I would give 0 stars. This company is unethical. They will oversell you on more policy than you need, and not tell you how strict they are on claims. They tried to charge me more after i paod the policy in full, based on their reviews of vet records, because of dog breed (my dogs are mixes), and the list goes on... Very poor customer service when you call. You can't change payment method online. When I called to cancel my policies (yes, 2 - one for each dog), I told the agent that I needed to update my credit card, due to the number changing. They said, sure customer support can help you. Then customer support told me I could not change the card when the policy was already canceled (2 minutes before via phone with their agent), They refused to give me my refund. DO NOT DO BUSINESS WITH THEM! BUYER BEWARE!!!
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5

out of 5

POSTED: | BY: Melissa Dzado-Swanson

Happy with my experience so far.

This is my first pet insured with Embrace. I had coverage since February 2025 and everything has been great. Fast and easy to submit a claim and prompt customer service. Happy with my experience so far.
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5

out of 5

POSTED: | BY: Lou Ann Walker

Super easy to submit the claim

Super easy to submit the claim - will see how it goes from here.
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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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