Embrace | Pet Insurance Review


out of 5

Pet Insurance Reviews: 10,231
Trustpilot Reviews: 1,584

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.4
  • 4.7
  • Count
  • 1
  • 28
  • 10,231
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: Lorianne Hamoline

Easy to use website

Easy to use website. Simple to submit claims. Great coverage and prompt refunds.

out of 5

POSTED: | BY: Jim Sims

I have had Embrace for our last 2 dogs…

I have had Embrace for our last 2 dogs and have never had a problem with reimbursement. They are always on top of things and very friendly if I have to call.

out of 5

POSTED: | BY: David Golden

Our cat had swallowed a needle and thread

Our cat had swallowed a needle and thread that had to be removed by endoscopy on New Years day. We ended up paying over $4700. They did a great job and our cat is back to normal. We submitted our claim to Embrace and within two two weeks received our money with no hassle. I was pleasantly surprised that they made it so easy. Highly recommend Embrace.

out of 5

POSTED: | BY: Chelle Copley

This is my 2nd claim to file with…

This is my 2nd claim to file with Embrace and it was super easy to complete the process. The coverage is affordable and I sleep a lot easier knowing we have this coverage.

out of 5

POSTED: | BY: Theresa Gibson

Company hesitates to pay claims

This company gives you the runaround to avoid paying claims. My 9 month old puppy had a upper respiratory infection. I took him to the vet and the charge was $125. I submitted a claim but I keep being told they don't have all of my dogs medical records even after I uploaded everything multiple times. They then contacted my vet and got what they needed but after a week they decided they still needed more. After getting that they decided they needed records from the vet that completed his Neutering appt. It's ridiculous. That vet doesn't even have any records other than what was from the Neutering appt. Anyway even after getting this they still haven't paid the claim. It's been over 2 months....... I would not recommend this company to anyone.

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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