Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
5

out of 5

POSTED: | BY: Rowena Sabalones

I’ve been with Embrace for 6 yrs

I’ve been with Embrace for 6 yrs. Easy and fast reimbursement. Will recommend to my family and friends.
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1

out of 5

POSTED: | BY: Jay

Everything is taking forever!

Everything is taking forever!
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1

out of 5

POSTED: | BY: Carol Moyer

Look elsewhere for good pet indurance.

Embrace pet insurance will seek any possible reason to deny the service requested for your pet. I have had my veterinarians, behaviorists, and specialists communicate with them without any success. Are you interested in understanding the difference between a pre-existing condition and a congenital disorder? It may not be relevant, as they classify a congenital disorder as pre-existing if it was present before you submitted a claim. This reasoning is illogical because if the pet was born with it, they had it prior to the claim. If that justification is insufficient, they will argue that it fell within the waiting period. Once again, they were born with it. I am extremely dissatisfied with this insurance. I recommend that you explore other policies before selecting this one. 3/13/26 I have yet to hear from Embrace to discuss any concerns as mentioned in their letter.
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1

out of 5

POSTED: | BY: Doug Williams

You should let people know that they have to pay up from

Should let people know that they have to pay up front
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5

out of 5

POSTED: | BY: Lola Hogle

THE BEST!

Embrace Pet Insurance responded to a claim submitted in less than 24 hours. Jacob who answered the phone explained and answered my questions so patiently since my accent is so thick. He was so polite.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

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 detail
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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