Embrace | Pet Insurance Review


out of 5

Number of reviews 12,416

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 18
  • 12,416
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: DJ Jackson

A need for patience…

I like the benefit of having pet insurance but I don't like their process for completing claims. It always requires several follow-ups by the vet and myself although the company has all the necessary paperwork to complete the claim. This makes the process long and tedious.

out of 5

POSTED: | BY: Genny Reid

We Love Embrace!!

I've had my boxer insured with Embrace Pet Insurance and I am so glad we are. Embrace has taken care of all our needs and claims promptly and efficiently. Cannot imagine not have pet insurance. We have both the Wellness and the Accident and Illness. Superb!!

out of 5

POSTED: | BY: Mike dundee

Love this company !

Love this company !

out of 5

POSTED: | BY: Thelma Leuba

I’m not sure how to review Embrace…

I’m not sure how to review Embrace because none of my three claims are settled, and all three are wellness claims, so it’s my money they haven’t sent me. This is my first time submitting claims, so maybe when I get reimbursed I’ll feel differently, but it doesn’t seem like they’re paying much attention, (or money,) right now. I’ll update the review when the claims are settled. UPDATE: The claims have been reviewed, and at least partially resolved. My real issue is that I was asked to review Embrace when the claims were not only unresolved, but hadn’t even been reviewed. It just seemed a little tone deaf, as if my opinion was just some data point to be collected. I know that processing the claim takes some time. I would have given a better review if Embrace had resolved my claims before asking me how they were doing.

out of 5

POSTED: | BY: Maria Dresser

Quick and easy to submit forms

Quick and easy to submit forms. No claim forms to fill out. Explanation of what is needed is clear.

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.

Get a quote today

Leave a review