Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: PWnMD

Incredible Customer Service

Quick response and Incredible customer service! The rep looked into the reason for this rare delay and was able to quickly provide an answer. When I mentioned a website issue I just wanted Embrace to be aware of, she also researched that and got back to me. Love this company!! If I have a question about a claim, they are open to discussing it, reviewing their decision and reopening the claim. They are very polite and patient when explaining things so I don’t hesitate to call when I don’t understand. Reimbursements are paid rapidly. Best decision I made after I got my dogs!
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1

out of 5

POSTED: | BY: Richie Romero

Poor service

Poor service. They look for any reason not to pay claims. Unless you animal is a baby pet insurance is a waste of money. Save up yourself and what you we’re going to pay them put in bank. They are a waste of money
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1

out of 5

POSTED: | BY: Nicki Bradford

Presently still awaiting a 6/1/26 claim -today is 6/24/26

Presently still awaiting a 6/1/26 claim (today is 6/24/26). Extremely dissatisfied with this insurance company because last year claim -we had to prove our dogs' illness that occurred despite all the medical records that were sent in. They hav no problem taking the money from your account monthly- but they really do not want to pay on an ER bill as shown by the length of time and we still have not had a response from Embrace. I have used USAA insurance for my car and our houses since the 1970's and had no issues. I also felt as others do that claims were sometimes denied or delayed due to requests for extensive medical history or technical issues with the submission process(especially since I personally sent all of my dogs' history myself from the vets' office).However my rating reflects my explanation and my disappointment in Embrace.
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1

out of 5

POSTED: | BY: Sean Kehoe

60% increase in cost because I used it

60% increase in cost because I used it? Didnt cover everything when my husky had knee surgery last year. Would be better saving the money monthly and just paying myself.
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5

out of 5

POSTED: | BY: John P

The right policy for your pet!

We have always been completely satisfied with our policy and especially the quick claim process. Any time we found it necessary to call for assistance, the associate was knowledgable, compassionate and friendly. We have NEVER had a bad experience with Embrace.
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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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