Embrace | Pet Insurance Review


out of 5

Number of reviews 12,049

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.6
  • 2.6
  • 4.7
  • Count
  • 5
  • 21
  • 12,049
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: Terrance Relles

Daisey's surgery

it was a simple process.

out of 5

POSTED: | BY: Nike


Easy, effective and fair.

out of 5

POSTED: | BY: John Palsma

Fantastic easy to use

Fantastic easy to use

out of 5

POSTED: | BY: Julia Arnett Saulmon

I absolutely love this company

I absolutely love this company. They are always prompt with reimbursement, the site is user friendly and only takes a few minutes to submit a claim. They have been fair with their determinations.

out of 5


Love Embrace!

I am so happy with Embrace! This is our first dog in 30 years, and we are more than a little shocked at all the attendant costs. Embrace insurance is definitely worth the money, as just about everything has been covered for our 7 month old puppy. Another plus- it's SO easy & quick to file a claim!

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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