Embrace | Pet Insurance Review


out of 10

10223 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 7.5
  • 9.3
  • Count
  • 1
  • 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: Arthur Rochester

A Lifesaver

At the age of 6, Pancho was diagnosed with Cushing's Disease, a terrible life long condition that affects hormone balance. Unchecked, a patient will die within a couple off years. Fortunately, we chose a competent Veterinarian who has had plenty of experience with the disease and knows what is necessary to keep Pancho alive and feeling good. Embrace has allowed us to follow the costly course of treatment that our Vet has prescribed. Without the financial help from Embrace, it is doubtful that we would be enjoying Pancho's company today. Thank you Embrace.

out of 10

POSTED: | BY: Alexander Brigham

Couldn't believe it.

So I bring my pet in for a wellness visit and an ear infection, just to learn nothing is covered at all I had gotten the highest tier account I could get. Well now after $300 I am told that I don't have this and don't have that. This is now 2 months after my claim was initiated I couldn't believe how long this was taking. Now I'm told I can pay more per month (an unknown amount at this point) to get wellness coverage that I was led to believe I had already had! But great to know now her anxiety created this ear infection and they won't cover her anxiety. She is a GSD they all have anxiety. I am left here wondering why I pay this company $30 a month when I could just save that money and pay the 300 in the first place just to the vet?and save myself $60 oh wait that would be $360 because they didn't even cover it! Most likely won't be seeing this as an actual review anywhere but rest assured I will be posting it other places as well. Unless you can rectify this?

out of 10

POSTED: | BY: Holly Lufkin

Better than I ever expected.

I have 2 Great Danes and just saying that alone sounds like it's going to cost a lot of money. And do get me wrong these dogs cost me in food bills, nail trimmings, grooming, toys, bones, treats, dog beds, etc. but I wouldn't trade it for anything. They have had their fair share of vet appointments and when I was first searching for pet insurance I was nervous. So many of my Friends let me know that their pet insurance was horrible and I don't work out with whoever their provider was. I am so happy to say that is not the case with embrace! I have had several claims on both my dogs and have always received a nice return. They've covered my girls spade my boys congestive heart failure, their shots, and other unexpected visits! Worth every penny and I'll never leave!

out of 10

POSTED: | BY: Jess

Excellent customer service

Embrace pet insurance has been terrific. i highly recommend them. They've been so kind to me and making sure my dogs were taken care of. Even though we are stationed overseas, they've made the process seamlessly easy.

out of 10

POSTED: | BY: Lynne Osterlie

Great choice for pet insurance

We began coverage for our two dogs Jan 2016. In July one of our labs had a CCL injury requiring surgery, etc. Embrace customer service was responsive and helpful before and during the process, and paid the claim quickly. I am glad we chose Embrace Ins and would recommend this company to any pet owner. Thanks for the great service!

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.

Get a quote today

Leave a review