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: 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!

out of 10

POSTED: | BY: Hope

Great Service

I have been using Embrace beginning with our first Berner, 7 years ago. They have always been very responsive and wonderful to work with. I would highly recommend Embrace for anyone with a pet!

out of 10

POSTED: | BY: Peter Conduragis

Perfect Service in a Timely Manner

We have had Embrace for 1.5 years and they are absolutely fantastic. Our dog has had 2 knee surgeries which include X-rays, surgeries, medication, rehab, etc... and Embrace has handled our claims in a professional and very timely manner. Each time we've received our claim refunds in about 1 week. Not to mention, the customer service staff are friendly, outgoing, and very helpful.

out of 10

POSTED: | BY: Gwen

Relief for when you have vet expenses

I have the wellness on my cat who has allergies that pop up every year and he scratches his fur until his skin bleeds. So once a year he gets an allergy shot, in a couple of hours he stops scratching and I feel so much better. I know that the cost for the shot will be covered and Embrace keeps one informed and payment is quick which really matters because I live on Social Security. The other day my vet asked how I liked Embrace and I told them it was the best thing I have invested in. He has people asking for referrals to animal insurance companies. I told him to have his clients call me about Embrace. A very happy client so far! I can give my cat the medical care he needs and deserves because of Embrace. By the way, Embrace will even pay for nail clipping which my boy will not allow me to do!

out of 10

POSTED: | BY: Debbie

A Truly FIRST rate pet insurance YOU can trust!

My 4 year old Goldendoodle was hit by a car and suffered a broken leg. She required orthopedic surgery for stabilization. All in all the Vet bills totaled close to 6500.00. I don't know how I would have paid if I didn't have EMBRACE dog insurance. Actually never thought I'd need it for something like this but I guess you never know. Thank God I have it. EMBRACE pulled through right away. I never had to worry. So happy I have 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