Embrace | Pet Insurance Review


out of 5

Number of reviews 10,253

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 3.0
  • 4.9
  • Count
  • 4
  • 23
  • 10,253

Updated: November 13, 2023

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: Gary Babin

awesome people

awesome people

out of 5

POSTED: | BY: ronald sleyo

Overly detail

Overly detail. Invoice should have provided adequate information. Have additional claims to submit. Alleluia

out of 5

POSTED: | BY: Philip Morrison

We were originally very happy to get…

We were originally very happy to get both of our dogs covered on this plan. Is also partnered with our insurance carrier so it made it easy. Unfortunately, nothing as of yet has been covered. Just a plan as it was supposed to cover neutering of our dog that we just got. Well, we had the procedure done and they refused to cover it. They also refused to cover well care for our other dog. This is starting to smile more and more like a fraud. The plan looks great on paper, but you are never under coverage.

out of 5

POSTED: | BY: Adam Blaes


Easy to submit claims. Quickly processed, reasonable decisions. Very good customer service communications. Recommend!

out of 5


Finally my pet insurance covered…

Finally my pet insurance covered something! It was easy and quick to get my reimbursement.

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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