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.
1

out of 5

POSTED: | BY: Mary Cobb

Was NOT told there are 2 different…

Was NOT told there are 2 different policies, and went to turn in claim and was then informed, I didn't have that policy after paying on it for a year !!! Make sure you know exactly what you're getting
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5

out of 5

POSTED: | BY: Karen Wasserman

Extremely positive Embrace experience

Embrace is consistently professional, helpful, and responsive. I absolutely believe their customer service beyond what I expect.
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5

out of 5

POSTED: | BY: Connie Frederick Garcia

Our poor chihuahua was mauled

Our poor chihuahua was mauled by 4 big dogs. But because of Embrace insurance he is doing well. Thank you Embrace.
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5

out of 5

POSTED: | BY: Nancy S

I’m so Happy I found EMBRACE

I’m so Happy I found EMBRACE The staff is so helpful and accommodating!’ I received my first refund Super easy in do the contact with our veterinarian was painless!! I am already sharing information to all my Dog loving friends at Embrace!!!
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1

out of 5

POSTED: | BY: John Hickey

Embrace used to be a great company…No Longer a great company

Embrace used to be a great company providing good value. Now Embrace is a greedy corporation putting profits ahead of services. I have been a loyal customer for over 15 years. No longer I of my dogs was insured by embrace for 11 years. My current dog has been insured by embrace for 3 years. Every year the premiums go up. I understand that. However, the most recent increase is ridiculous. No current health issues with my dog. Accident and health premiums has changed from $234.00/month to $376.00/month. The numbers no longer make any sense. I will bank $376.00/month versus paying ridiculous premiums. Please think seriously about using Embrace. March 23 2026 I just read the response from Embrace. I will say this very clearly. But beware I am seeing very similar post to mine regarding embrace making ridiculous increases to pet insurance premiums. I did some research and there are clearly better alternatives at this time than embrace. A was very happy customer if Embrace who now feels their corporate greed !!! Don’t get surprised by their bait and switch sales pitch. Sorry for Being so negative but embrace needs to called out for their ridiculous AI generated policy increases. Smells a lot like a doge audit :)
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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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