Embrace | Pet Insurance Review


out of 10

10222 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 7.7
  • 9.3
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  • 3
  • 80
  • 10222
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 10

POSTED: | BY: Lori Hymer

Exceptional service from these folks.

This company is state of the art with knowledge and service. Been with them for 11 years, and always handle the claims with ease.

out of 10

POSTED: | BY: Zoe Islas

Woah- RUDEST customer service rep

I called to cancel because we decided to go with a different insurance plan, and Joe is who “helped” me cancel. He was so rude, said “we’ll I *hope* nothing horrible or deadly happens to your cat, she would not be covered with that company”. Uhhhhh, what the hell? That was rude! I explained we were simply not interested, and he was very rude. Kept going on about my cats health. Just absolutely unprofessional.

out of 10

POSTED: | BY: kathleen cully

Has been wonderful in caring for all of my dogs over the last 10 years

We've had Embrace for over 10 years for all of our dogs - as soon as we could. They have been instrumental in allowing us to cover some really expensive procedures that each of the dogs needed to return to health. I advised my daughter to get Embrace when she adopted her puppy - and shortly after her coverage began, her puppy swallowed a sock and needed emergency surgery - Embrace was a life-saver for her as well as for us over the years.

out of 10

POSTED: | BY: Mike Pena

Embrace Insurance only worth purchasing when puppy is weeks old

For most dogs, Embrace insurance is only worth getting when your puppy is weeks old. "Chronic" and "pre-existing" conditions are only covered if there are not any, ANY, previously documented vet visits before you first purchase the policy. Additionally, and again with most dogs, with such high annual deductibles you're better off putting away $50 a month for your pet for emergencies and letting that savings grow each month. Otherwise, customer service is prompt and courteous and submitting claims is easy.

out of 10

POSTED: | BY: Claudia Ionescu

Embrace- I would highly recommend it without any reservations

Great coverage and a wonderful customer service. Quick reimbursements. I ve had Embrace for almost 10years, for all my 4 kitties. Its been a life saver, because 2 of them battled serious illnesses : cancer and kidney failure. Without insurance we could not have afforded the medical treatment. I am so grateful for Embrace. One of the best decisions of my life was to get the insurance through them. Without any hesitation I am recommending it to all pet parents.

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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