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: Claudia Williams

Life Saver

We rescued our mastiff mix dog over ten years ago. Embrace has helped us take extra good care of him. I don't know how we could have provided him with all the excellent care he has received without this insurance. He has had cancer, knee surgery, allergies, thyroid problems, and recovered very well from everything. I highly recommend this excellent service! THANK YOU EMBRACE!

out of 10

POSTED: | BY: cheryl M


We had to bring my lab of 5 years old to the ER and it was so scary at the time coming up with the money up front. But it was relaxing knowing that we can get some back. Thank god he is on the mend

out of 10

POSTED: | BY: Maria Zapata

Takes the load off

I have nothing bad to say about this company. They have been nothing but amazing ever since my one year old cat developed seizures. It gives me peace of mind knowing that she's covered.

out of 10

POSTED: | BY: Barbara-Jean Fening

Poor choice for older pets

I have this insurance for my two puppies and it has been a good choice for them. I was persuaded to take out a policy for my older dog too, and that was a mistake. Pretty much every claim that has been submitted for her care has been denied, so the policy charges have basically been a waste of money for me. If you have an older pet,make sure you get a thorough understanding of what will be covered (not much per my experience). Again, this review is only for older pets. For younger pets they are great.

out of 10

POSTED: | BY: Nanciw

Embrace Pet Insurance has great customer service

Embrace Pet Insurance has been fantastic so far. On-line submission of claims makes it easy. Customer service responds quickly and according to the policy. Costs to visit the vet have steadily risen over the years. Embrace is affordable and gives me confidence to know that if anything major we're to happen, we would be covered. And...it has helped with the common issues. I'm not hesitant to see the vet when we need to. Thank you Embrace!

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