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: Lynda

The best pet insurance company!

Always easy to file a claim for furry best friend(s). That's a huge relief and benefit. Treated fairly and almost every time get a quick decision/approval/reply and therefore a refund. Great company so glad I went with them!!
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4

out of 5

POSTED: | BY: Paul and Leiza Johnson

straight forward

straight forward
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3

out of 5

POSTED: | BY: Patty Haines

I'm disappointed that my pet insurance…

I'm disappointed that my pet insurance keeps going up. I thought that once I had a policy, I was locked in. Because we've had some claims, my insurance has increased to the point where it's not worth it. I'm disappointed I wasted the last 4 years paying for it. I feel it's a scam.
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4

out of 5

POSTED: | BY: Constance Zeller

Overall wonderful, needs to review their pre-existing conditions

Overall, I believe Embrace Pet Insurance is wonderful. There does seem to be some inconsistencies: the first time I submitted for grooming where my service dog needed to be anesthetized for anxiety, by claim was covered completely. The second time I submitted for grooming with anesthesia for anxiety, only a portion of the bill was covered with an explanation that the anxiety was not covered. This is the third claim for grooming with anesthesia so we will hope for the best.
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1

out of 5

POSTED: | BY: Kerry Heemann

Max seen in pet ER 3/7/2025

Max seen in pet ER 3/7/2025. It is 4/19/2025, and I don’t have my reimbursement check yet. Embrace blames Pet ER and Max’s vet office. When I called Pet ER and Max’s vet, they blamed Embrace. On 3/7/2025 we paid a $951 bill. We still don’t have our $373 reimbursement. Shame on you. Kerry Heemann 410-218-6987
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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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