Embrace | Pet Insurance Review


out of 5

Number of reviews 12,394

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 18
  • 12,394
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: Terra S

I have had Embrace Insurance for about…

I have had Embrace Insurance for about 6 years on 2 of my rottweilers. I have catastrophic insurance & dental only with a 1000.00 deductible, reduced to 750.00 w 2 pets. I recently had my 10 yr old female develop a vaginal discharge & acting lethargic. Took her in for an ultrasound & they found a large mass attached to her uterus which required surgery. Luckily they got it all & it was benign. Embrace without any problems paid 90% of her bills minus the deductible within about a week. After never needing them for almost 6 yrs I had to question how much push back I would get & honestly it went very smooth. Submitted all my bills online & they followed through. It was quite a large bill as surgery & 2 ultra sounds with a lung x-ray does add up. The only part they didn't pay for was her medication at the onset as I don't have medication coverage. Although they did pay for the oral meds during her surgery & her nights stay at the hospital for observation which I feel is important as bringing a dog home 5 hrs., after a major surgery to me is not wise. The only thing I wish is they didn't limit you to 10,000.00 a yr per pet by the policy you choose, 10,000.00 seems like a lot until you experience something like this. With the price of vet costs I think the limits should be higher depending on certain circumstances. Other than that I highly appreciate their promptness & concern for the pets.

out of 5

POSTED: | BY: Charles Lopez

We had issue with user name and password. Wait time short customer service great

Customer service short and very helpful. Wait time within reason

out of 5

POSTED: | BY: Felix Rod

Great experience

Great experience

out of 5

POSTED: | BY: snntpsydl snntpsydl

Unacceptably poor performance, in my opinion.

I have gathered and submitted all medical records in addition to contacting all of the vets who treated my dog and asking them to send all records. So far, no claims have been paid. I have emailed and called in an attempt to resolve any problems, but with no results. I am not renewing my policy, and my understanding is that Embrace is no longer allowed to write new policies in my state.

out of 5

POSTED: | BY: Stephen Garibaldi

Helpful as always…

Always very responsive with all my pet claims. Good customer service if you call in as well.

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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