Embrace | Pet Insurance Review


out of 5

Number of reviews 10230

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.4
  • 4.7
  • Count
  • 6
  • 44
  • 10230
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: Rebecca Clark

Embrace has saved my life financially~

My ONLY 2 complaints are : They changed their holistic coverage, its covers much less. Really not enough for what is needed. They only cover 12 acupunture OR chiro OR laser, per condition, per year. So my dog who has arthritis, can only have 6 laser & 6 accu in 1 year. Also, the cost goes WAY up when your pets gets older :( I had a 25% increase last year & a 23% increase this year. BUT, i had 27K in claims in a 9 month period, all 80% covered, a couple years back. Then another 17K in 6 months time, also all 80% covered. Thank GOD! The claims process is SUPER easy once your pet is established & each condition is in their system & my refunds come super fast.

out of 5

POSTED: | BY: Seth Coyle

Nothing is covered

I adopted a cat, Toast, through the local shelter and was able to provide a full health history for the Toast. Of the 3 time in a year and a half I took my cat to the vet, once for an ear infection, once for a check up, and once because of sudden and large nosebleed. I have been denied coverage, made to wait hours for answers, and told that these are preexisting conditions of Toast. What's the point of paying for insurance or having 8k over available funds if I can't use them when my cat needs them. He is literally waiting on a blood transfusion and insurance won't cover what it says in my policy it should. I am livid. I may lose my cat with available funds in my insurance watches. This is the most backwards ass company with no heart. Don't use.

out of 5

POSTED: | BY: José Reyes

Worst pet insurance

Please don’t bay this insurance, you just wasting your money,, the make all excuse,, don’t bay this insurance

out of 5

POSTED: | BY: Ronald Upton

Best pet insurance ever!

So I have had Embrace pet insurance for a few months now and the setup with them was very easy but obviously I won’t know if this insurance is really good until I need to use it. Unfortunately my greyhound pup had an accident and chipped two of his teeth. I had to take him to a veterinarian who specialized in dental work and he had to go under anesthesia and they were able to repair and restore his chipped teeth. I had to pay a nearly $2000 vet bill! I quickly submitted a claim by taking a picture of my receipts and doctors S.O.A.P notes and then uploaded everything using the Embrace application on my phone. The whole process took maybe 2-3 minutes and was very easy. I was updated every step of the way and within about 3 business days I got an email stating my claim was approved! They covered practically everything less my deductible and co-pay that I signed up for. And they deposited the funds directly to my bank account. This insurance is top notch! I’ve read a few of the negative reviews and all of those people are upset because their claims were denied and it’s usually because their pet had pre existing conditions and that condition got worse so it wasn’t covered, this is something they tell you up front! That’s like having a car that you crashed then you get auto insurance for it and get upset because they won’t fix the previous damage it had! Embrace has been upfront and honest and tell you EXACTLY what is and what isn’t covered BEFORE you purchase, and if you’re unsure of what is or isn’t covered just ASK before you buy! They were very helpful in explaining everything. I would highly recommend this company!

out of 5

POSTED: | BY: Ivy Os.

Terrible Pet Insurance

We had a terrible experience with this pet insurance. We bought it and paid $80+ monthly for over a year, only to find out that when we used it for the first time (the original vet bill was $700, this terrible insurance only reimbursed us $200). We ended up canceling and having to pay them a $150 fee because they had reimbursed us too much money! Embrace IS THE WORST PET INSURANCE. If you care about your pet and your wallet go with something else because this company is shit.

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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