Embrace | Pet Insurance Review


out of 5

Number of reviews 12,976

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.7
  • 3.0
  • 4.9
  • Count
  • 6
  • 23
  • 12,976
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: Doug Pittsnogle

Awesome Insurance

I sent several email messages to which I never got a response, so that was frustrating. However, it really only took about two weeks for the fair reimbursement from this insurance. I will NEVER drop this insurance, and I totally recommend it to EVERYONE!

out of 5

POSTED: | BY: Nelida Rios

Elmo my dog has cancer typically no…

Elmo my dog has cancer typically no treatment for this type of cancer however elmo was treated up. Most care concern thru his insurance however elmo I have him on supplement he seems to have no.pain I so happy h

out of 5

POSTED: | BY: Barbara Powell

First Time to Make A Claim

This was my first time to make a claim, and I was very pleased that all worked as expected. Submitting the claim was easy and response time was fast. Once I reached my deductible I immediately received a check for the amount over that. I am so glad I purchased Embrace!

out of 5

POSTED: | BY: Steven

Embrace representatives care about your pet

Embrace representatives care about your pet as they listen and understand. Claims are easy to submit online and Embrace keeps you informed with an expeditious review and reimbursement. Having this multi-pet policy is reassuring for the health of my pet family.

out of 5

POSTED: | BY: Ceres

Embrace processed my claim quickly and…

Embrace processed my claim quickly and efficiently!

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

Coverage begins after 48 hours for accidents. A policy waiting period of 14 days applies for illness claims.


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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