Embrace | Pet Insurance Review


out of 10

10223 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 7.5
  • 9.3
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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


Pleasant and Very Helpful

Every interaction I've had with Embrace customer service reps has been extremely pleasant, helpful and involved zero fuss. My first serious reliance on this insurance did take a bit of time to process, but with a follow up call it was taken care of right away. I received a check for the correct amount (less deductible and my percentage obligation) very shortly afterwards. With 4 aging fur kids, it provides extraordinary peace of mind to know I have Embrace insurance for whatever may arise. Wish I'd had it all along. To those considering ... do it. You'll be glad you did.

out of 10


I have been quite satisfied with my policy

At Embrace I can always talk to a knowledgeable polite staff member with little wait time. The company rewards you for years of no claims and when we did have a claim, it was paid promptly with no surprises. This policy gives me peace of mind as my pup ages.

out of 10

POSTED: | BY: Brenda Menz

Embrace helps us save Gracie's life

I am so thankful that we have Embrace for out Gracie (The Super Doodle) Due to her being such a ball playing girl, she miss stepped and torn/broke her right wrist beyond fixing without major surgery to fuse her wrist. With pins, plates, rods, bone grafting and many visits to the Vet and multiple x-rays our girl is healing and will remain Super!! Honestly, with out the insurance, Gracie may have been put down because of the cost to help her. Embrace stayed in contact with me and never gave me any problems and always acted quickly to settle claims. They made me feel that getting Gracie back on all fours was important to them. I am grateful for all the help Embrace has offered us.

out of 10

POSTED: | BY: Jody Gwynn

Easy claims

I was disappointed to see that you are only insures dollar for dollar with the amount you pay with well visits. It seems as though they take out andeductable as well so you could not use all your funds. It appears everything is well visit where there should be other categories, training should be different along with anal squeezing and other things. I found hardly anything falls under the major policy.Filing the claim was great once I found out my cell phone paper work didn't go through. The people whoo do the claims were friendly.

out of 10

POSTED: | BY: Rosemary McLain

Slow To Warm Up But Now I Love Them

When I initially switched to this company they kept messing up my claims and did not know what a credit from the VET was. Once they worked that out there have not been any issues. My dog has a lot of health issues and I am very thankful that I have EMBRACE Pet Insurance because I never have to hesitate to take Chancey to the VETs for fear of how much it will cost.

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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