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: stephen

took awhile

customer service was great. It just took a lot longer for the claim to be reviewed. Suppose to be 10 to 15 business days took mine almost 20. Other than that it was approved and had check within a week

out of 10

POSTED: | BY: Laura

I love Embrace!

We have both our dogs covered with Embrace, while they have always been generally healthy in the past year they both had odd illnesses pop up. Earlier this year, our lab had a bad cough and was breathing heavily with what turned out to be allergies. Just recently, our 9 year old Doberman collapsed and is having heart issues. Not only did Embrace reimburse us for the expensive tests that had to be done, but their claims portal was so clear and up to date along the way, it made the entire process so much more reassuring for us in a time when we have been very stressed out about their health. After hearing horror stories from friends about their experiences with pet health insurance, I feel so incredibly fortunate that the research I did paid off and Embrace has been nothing short of amazing.

out of 10

POSTED: | BY: Tama

Best Pet Insurance

Love this company, they are great. Always there to help, quick payments.

out of 10


Some what disappointed but yet still pleased

I was pleased that I did receive my claim pay out but I was some what disappointed it was so low. I paid over $300 dollars for my dog who had hook worms. I only received 24.84 when my plan says I will receive 80% of what I paid back. I do however really like the company and have always had positive interactions with them. I also appreciate the affordability of the plans.

out of 10


I'm so thankful for Embrace!

Since the very beginning, the Embrace team has been the epitome of helpful - patient and thorough with explanations, friendly and very resourceful. My pup was recently taken in for surgery to remove a potentially malignant tumor. The Embrace team - from initial call to understand coverage all the way through the final claim, was wonderful. They always inquired about how my dog was doing and were immensely kind to me as well, a blessing during a scary and sad time. They care and it shows. I had some questions during the final claim processing and Ashley Perez who was supporting me was unfailingly helpful. She helped me understand some things about my case and also helped me understand some things in the policy. She never once said "please go read your policy." She actually helped! I'm beyond thankful for the financial support of Embrace, but more importantly, for the friendly personal support they provided during a trying time. I'm SO thankful to have them on my team!

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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