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.
I’ve had Embrace for almost 8 years and I can’t begin to find the words to describe how much I appreciate them! There have been some issues with my GSP (Cooper) over the years with allergies, a couple surgeries and some fairly expensive Vet visits. In all of the years and claims (and there have been many), Embrace has always been there for Cooper and I! They’ve always gone “above and beyond”! The turn around on the pay time frame is exceptional. I put two claims in on 3/6/2026 and received emails on 3/7/2026 stating they were approved.
With all of my animals, I’ve never had pet insurance, but since I was retired when I got Cooper, it seemed like a good idea to have some coverage on him. Little did I know or even begin to imagine how fortunate I have been with Embrace.
It’s my mission to tell everyone that will listen about Embrace Pet Insurance and have received many thanks from my “pet owner” friends for recommending Embrace!
I’ve purchased pet insurance for the past 5 years for 3 different dogs… I’ve had polices with Spot, Pets Best, Embrace, and Fetch, and Embrace has THE most predatory contract language I’ve EVER seen! It’s extremely vague so it can be interpreted to benefit the company… which in itself is normal practice for insurance companies to protect against fraud… however, Embrace routinely EXPLOITS that vague jargon to deny LEGITIMATE claims, which is something only predatory companies do! Seriously READ through their BBB complaints before you even think about buying a policy through them! Embrace will use ANY excuse possible to deny claims as preexisting or congenital/hereditary, even against the word of the EXAMINING and/or treating veterinarians… if your pet has ANY vague symptom documented (ie a one time incident of vomiting, diarrhea, runny nose, inflamed skin, etc) in their past medical records Embrace adjusters WILL link those past symptoms to their current condition somehow, even if your vet outright states they’re not related… mark my words! I purchased a one year policy from Embrace for one of our puppies and paid for the entire year up front… luckily I saw how horrible they are first hand (we only submitted 2 total claims, both to only count against the annual deductible w no reimbursement requests and it took over 2 months to process, getting one denial and one partial reimbursement and I RAN) and switched to a better company as soon as renewal time came! I consider myself lucky they showed me who they were before any harm was done… our puppy was < 1 year old when we got that policy and we ended up getting another puppy a year later and thankfully knew to stay far away from Embrace. However, a couple months ago our (young adult) daughter purchased a policy through embrace for a senior shelter dog she adopted, and as soon as she told me where she got it I made her cancel immediately and purchase a Pets Best policy instead! It’s lucky she did, because months later they finally completed the “medical review” she requested upon purchase (guess they didn’t realize she had canceled the policy), and that language was even MORE predatory than their general contract language if you can believe it! The way Embrace’s medical review was worded would’ve made it possible to deny ANY claim they wanted to! Seriously, she might as well have purchased an accident only policy at that point because her “illness” policy was absolute GARBAGE… she thanked us profusely after seeing that and said she’d tell all her friends to stay away from embrace too. Also… as for their alleged high payout rate, don’t forget they include PARTIAL reimbursements! It’s yet another shady practice of theirs. But if you submit a claim for a $5,000 ER visit and they pay the $80 examination fee and deny the rest, I really don’t think the fact they covered that one small fee will be much comfort now will it? Ask what their FULL reimbursement % is, I guarantee it’s probably a FRACTION of their partial payout rate. STAY AWAY from this predatory company!! Because if you still choose them after reading our reviews (and rumor has it they have embrace employees write good reviews too btw, read BBB complaints/reviews) and get ripped off then it’s on you. Embrace is as shady as insurance gets! Go with Pets Best, Spot, or Fetch…I’ve had all three and they’re ALL way more trustworthy!! Spot’s the best as far as customer satisfaction, but they’re also one of the most expensive… Pets Best is the best compromise between affordability and customer satisfaction, imo.
Called Embrace for help understanding my cat's benefits—two wonderful reps patiently explained everything. Made my decision so much easier. Never had a problem with them. Great company!
Made processing a claim difficult, covered 5% of the bill
I'll give them two stars for having a short waiting period before the policy is considered active, but legally they can't enforce a lengthy waiting period in my state anyway. I submitted a claim for one of my dog's bills that came out to $633. It was a nightmare processing the claim and it took over a month for them to send me a check for $36. The point of pet insurance is to make vet bills more affordable. Instead I'm just making pet insurance payments on top of paying the vet bills. I am canceling my policy and would not recommend Embrace to anyone.
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.
Deductible
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
There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.
Exclusions
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.
