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.
3

out of 5

POSTED: | BY: Leslie Hafter

I filed three claims at the same time

I filed three claims at the same time. One claim is still pending info from the vet, so I won't review that one. One claim was reimbursed as expected - 5 stars for that. The other claim was reimbursed at about 20% of the total - much lower than expected. I sent a follow up asking why the amount was so low and still have not received a response. 1 star for that.
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5

out of 5

POSTED: | BY: Sergio Rivera

Once I submitted the requested…

Once I submitted the requested documents everything was good and quick
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5

out of 5

POSTED: | BY: Tom Taylor

Our 5 yr Aussiedoodle01

Our 5 yr. old Aussiedoodle has had his share of claims and Embrace has been a lifesaver to us. We weren't sure if pet insurance was affordable or necessary, but it has proven to be both.
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2

out of 5

POSTED: | BY: Jim Galvin

I attempted to stop autopay on thier…

I attempted to stop autopay on thier website because they raised my upcoming premium $2,442.48 in Feb 2026. I've been with them for over 5 years with 2 pets. The website would not allow me to do that. I called and was placed on hold for 20 minutes before deciding to hang up. I sent an email requesting a response with action taken to stop auto pay and remove my credit card information. No response so far.
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2

out of 5

POSTED: | BY: Brandon Abbinante

Overly General Review of Medical History

Reviews of medical history are overly general and appear to be designed to exclude coverage for possible future claims in a broad fashion. The user should ensure that specificity is requested of the claims adjuster completing the review to ensure accuracy. Claims are paid quickly though, so I'll give a second star.
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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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