Embrace | Pet Insurance Review


out of 5

Number of reviews 13,795

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.3
  • 4.9
  • Count
  • 0
  • 20
  • 13,795

Updated: January 02, 2024

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.

out of 5

POSTED: | BY: Darlene Farnham

App was easy to use

App was easy to use, the claim was simple, very responsive with questions. Love it!

out of 5

POSTED: | BY: Julia

I insured two dogs

I insured two dogs - a five year old and a puppy at a monthly cost of ~$115. I also have a $500 deductible and a 20% co-pay. After a year, Embrace raised my monthly premium to ~$140 with no explanation. I’m currently doing the math, but at a certain point, just putting aside $140/month into a savings account will likely be more cost effective than this “best in class pet insurance”. Buyer beware!

out of 5

POSTED: | BY: Judy

Very easy to make a claim

Very easy to make a claim. Also excellent communication from Embrace about its status throughout the process. Spoke with very personable and informative Customer Service member about the refund options. So nice not to have to fight with an insurance company!

out of 5

POSTED: | BY: Kuldip Kaur

Prompt payment and awesome service

Prompt payment and awesome service. They covered $6 k in bills when my dog got cancer . Thank you

out of 5

POSTED: | BY: Jared Behunin

Responsive at difficult time

Your team as very responsive and helpful as we were working through a very challenging and heartbreaking loss of our pup. Thank you.

Monthly Cost

$13 – $100, depending on your chosen plan.


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.


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.


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 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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