Embrace | Pet Insurance Review


out of 5

Number of reviews 14,316

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: Val G.

I wasnt sure about Pet Insurance…

I wasnt sure about Pet Insurance companies because I had read some very bad reviews of what is out there. My car insurance company GEICO had them as their insurance provider for Pets and I thought Id give them a call. I had a great salesperson who took the time to answer all my questions. I decided to enroll my boy. I have had zero issues with Embrace. Claims are settled on time and My dog got quite ill on 6/1/24 with a sudden onset of vomiting and although we are extremely careful with what he eats, we had to rule out every possibility of why this was happening. Thank God for Embrace. They gave us peace of mind!!!!! I highly recommend them to anyone seeking an insurance company for their Pet.

out of 5

POSTED: | BY: Soo Yeon Pak

Prompt follow up

Overall, the refund process is prompt and satisfactory. Additionally, it wad great to share the status sending email notifications. I definitely recommend Embrace and already did to my friend.

out of 5

POSTED: | BY: Carrie

Pointless scam

Pointless scam. Took so much time just for Embrace to tell me that my dog has a pre-existing condition based on the fact he has had Kennel Cough 2 times in 12 months. That's like saying a person can't get 2 different strains of the flu or 2 separate instances of a respiratory infection in a year.

out of 5

POSTED: | BY: Alisa

Great company to work with

Great company to work with. Fair, clear and efficient.

out of 5

POSTED: | BY: Darryll Whaley

Timely in responding to requests

Timely in responding to requests for claims submitted.

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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