Embrace | Pet Insurance Review


out of 10

10223 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 7.5
  • 9.3
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  • 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: Salvatore

Amazing Customer Service

Called to check the Status of a submitted claim. Representative that helped, put me on hold shortly and found and adjuster who was able to file my claim that same evening and the refund was processed.

out of 10

POSTED: | BY: Lisa Kellett

Embrace insurance is great

Embrace has always been prompt with my claim s. It is so comforting knowing whatever would happen to my furchild I would be able to help her

out of 10

POSTED: | BY: Jaye Blevins

So glad for this coverage on my dog!

Have brothers from the same litter. After going through an expensive illness with another dog, I researched pet insurance and decided to go with Embrace. So thankful as one boy developed irritable bowel syndrome combined with pancreatitis. Very expensive to test and treat. It's been almost a year of treatment and we are still having to swap medications and doses. I understand he will always have this problem. I am very glad I had them covered with Embrace. Great to deal with, happy with claim handling. Thank you Embrace.

out of 10

POSTED: | BY: Nicole


I have used embrace pet insurance numerous times unfortunately but they have been timely with all of the claims.

out of 10

POSTED: | BY: Linda Verville

Thank God for Embrace

We decided to get pet insurance after my brother-in-law had to pay a large sum of vet bills after their dog became ill. It was the best decision we made when we got our second dog. You see, since that time we have had 3 claims and everyone at Embrace has been wonderful. Processing claims are easy, customer service is on top of everything and they are very caring, always first questioning how our pet is doing. I don't know what we would have done without Embrace. It is difficult enough when our pets are ill, but knowing that the insurance will help takes a huge burden off of our shoulders. I was skeptical in the past about pet insurance, but after our recent vet bills that were covered, I will not go without again.

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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