Embrace | Pet Insurance Review


out of 10

10223 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 7.5
  • 9.3
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  • 72
  • 10223
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 Mauer

Embrace Loves Pets

Embrace has been wonderful for years. The care and service is the best. I left another company to come here because they also offered a wellness plan that saved me money. I cannot recommend them enough.

out of 10

POSTED: | BY: Joanne Murach

Fair and Easy Claims process

Reasonable rates, never an issue submitting claims. If I dispute a rejection, they review the claim right away and fix any issues.

out of 10

POSTED: | BY: Lee Anne Giurintano

Reliable and best pet insurance

Embrace has great plans to select from depending on your pets needs. Great Danes can have health issues no matter how well they are cared for. I was able to select a plan that works perfectly for my boy Zeus. I also have the wellness plan which is great!!

out of 10

POSTED: | BY: Suz Swanson

Avoid this company too!

Well, where do I even start with this horrendous company? They're worthless. They have deemed "vomiting" as a Pre-existing condition and excluded it for an entire year! Wait, what??!!?? ANYTHING can cause vomiting!!! My vet couldn't believe how ridiculous it was they did that! As far as I know, she's writing an appeal letter. However, thanks to this worthless company, now I can't get Layla tested for IBD! Their adjuster even told me their insurance is "property"! Obviously, they see pets as "property" and NOT family! This company was supposedly started by pet parents. Right, so if it was, then they totally turned greedy and only care about the money! They also now have deemed Layla's pica as a permanent exclusion. Funny, she likes to tear up paper. My vet said that is just her behavior. So, if she accidentally ingests anything, I'm screwed. Worthless company. All "pet insurance" companies are a complete scam. They are more than happy to take your money, but refuse to pay out claims. Too many options and I regret not getting it the day I got Layla. I was overwhelmed and now I'm paying for it. Do yourself a favor and just start an emergency fund. You'll save the stress of battling with this worthless company and you can get your pet the care they need. Sadly, all pet insurance is this way. I can't wait to get rid of this horrible company and if I could, I'd start my own company that actually understands pets are FAMILY and have way less restrictions. Please don't go with Embrace! Read their reviews on BBB! That says everything right there!

out of 10

POSTED: | BY: Rick Garner

Fantastic assistance!

Just a big shout out to Camille and her crew at Embrace. I've gotten nothing but the best from them. Fast, responsive and really understanding. I felt really well taken care of

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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