Embrace | Pet Insurance Review


out of 10

10223 Verified Reviews

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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: Tiffany Morris

Willing to listen

Embrace has been good to me. I’ve been with them for 4 years now. Really didn’t use them much the first 3 years but this last year I’ve had to do a few different needed things for my dog and claims processing has been extremely helpful in ensuring I get paid back appropriately and in helping me understand what to send them to make the process as smooth as possible. I also have the $240 wellness insurance and that’s a great add for things like medications or grooming/ shots etc.

out of 10


Wouldn't Be Without Insurance

Been with Embrace since Cody was 3 months old-now almost 8 yrs. Throughout the years the site has changed, but recently it is A+++. It is easy to navigate and submit claims, check status of numerous features, etc. All my claims have been processed timely unless there was an issue that was dependent upon vet feedback. Having insurance has given me peace of mind for medical care after losing a pet where finances became an issue for continuing care.

out of 10

POSTED: | BY: Chris Koehler

If your dog has ever been to the vet, don't get Embrace pet insurance.

Embrace is going to go through your pets medical records with a fine tooth comb and will not cover anything that they deem to be a preexisting condition. If you have a puppy who has never been to the vet for anything other than routine care, they might be a good pet insurance company. If your pets records indicate any kind of a vet visit for anything other than routine care, it will be considered to be a pre-exisiting condition and will not be covered for different lengths of time, some forever, some for a year. If your dog hurts her leg while on a hike, it will be considered an orthopedic condition and therefore, a pre-exisiting condition.

out of 10

POSTED: | BY: Appleonea Enos

Awesome Company!

Easy to submit claims and they are processed quickly. Easy to use the App and great customer service!

out of 10

POSTED: | BY: Cathie Stewart

Excellent customer care

Excellent customer service and quick remittances on claims

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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