Embrace | Pet Insurance Review


out of 5

Pet Insurance Reviews: 10,231
Trustpilot Reviews: 1,584

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.4
  • 4.7
  • Count
  • 1
  • 28
  • 10,231
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 5

POSTED: | BY: Marion Stecklow


Submitting a claim is quick, easy and efficient!

out of 5

POSTED: | BY: Carrie Radivoyevitch

Easy and fast to submit my claim.

Easy and fast to submit my claim.

out of 5

POSTED: | BY: linda coppola

Easy claims procedure.

Easy claims procedure.

out of 5

POSTED: | BY: Sierra C

Easy to use/submit a claim

Easy to use/submit a claim

out of 5

POSTED: | BY: Heidi

Poor customer service to a potential client

I called and spoke to a rep with some questions for insurance. After the call I got a generic email with his email address and request to contact him with further questions. I emailed him (Joseph) with more question and he NEVER responded. I also called back and spoke with another person who was not able to answer my question so the girl said she’d email some more info to me which she NEVER did. Further, I got a customer service survey which I completed as having a very negative experience with both situations and again no response. Doesn’t give me a lot of confidence!!

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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