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

POSTED: | BY: Wayne Giovinazzo

Premium Increases

Never had to make a claim yet. However be warned each year rate increases exceed 10%. Ask for proof of costs rising to determine justification they refused. Imagine cost of policy in 5 years. Our wellness plan through Banfield has never increased.

out of 10

POSTED: | BY: Ronald Casleton

Great Company

I filled out the claim form, took it to my vet with the attached payment statements, they faxed the required info to Embrace. Several weeks later I get a check for the amount over my deductible! Couldn't ask for any better service. I would definitely recommend them.

out of 10

POSTED: | BY: Linda Baker

Fast claim refund

Hi Team Embrace!Star Lady's eye was irritated and nearly closed. The vet performed a stain and gluacona test. Turned out something must have gotten blown in her eye during these last few windy days. I'm so grateful that it was covered and a refund coming to me in about a week. Fantastic! Thanks again!

out of 10

POSTED: | BY: Heidi Bale

I feel embraced with Embrace Pet Insurance!

I reviewed many pet insurance policies before choosing Embrace.My puppy is a rescue, found on the side of the road while I drove home from work. It was a very hot day, she was on a rural stretch of highway. My vet suggested a major medical policy for her since she was a puppy and ate everything.... As a nurse, I appreciate their comprehensive care, great customer service, and wellness benefits. Wellness benefits are truly a great service, since we all know that routine care can add up quickly, but it is so important to our pets health. My claim was handled promptly using my wellness benefit. I would recommend them to any pet owner.

out of 10

POSTED: | BY: Diane Germick

Payment of claims is lightning-fast!

I really appreciate Embrace's very competent claims processing service and lightning-fast payments. Have recommended this pet health insurance company to many friends.

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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