Embrace | Pet Insurance Review


out of 5

Number of reviews 12,416

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 18
  • 12,416
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 5

POSTED: | BY: Michael Villa

claim review is quickk and efficient

Submitted first claim under wellness and I must say I am very pleased with the quick response.

out of 5

POSTED: | BY: Cherie

Very happy with my dog's Embrace policy

My lab-x tore his ACL this past summer and had TPLO surgery. After surgery, he had some complications that sent us back to the vet several times and to the ER once. All claims were paid quickly and exactly as stated in the policy. Embrace reps are helpful and quick to answer any questions I have. I recommend Embrace to all of my friends with pets.

out of 5

POSTED: | BY: Calderon Family

Glad we chose Embrace!

When we got our puppy we wanted an insurance company that offered a variety of coverage but also had a good reputation for great customer service and timely paying claims. We chose Embrace and can say are extremely satisfied with our choice! The representatives are very friendly and willing to help. They answered all of my questions quickly and with great examples. We submitted our first claim and it was paid as promised. They even emailed me to make sure I received it! Absolutely impressed and very happy with Embrace :-)

out of 5

POSTED: | BY: Jeff Joneikis

Quick claim processing

Tanner had some kind of neurological episode: suddenly heavy salivating, vomiting and, by the time I could get him to my local vet 55 minutes later, he was unable to get up or to walk. 48 hours at the emergency vet hospital where they were unable to diagnose any toxic exposure but he responded to IV fluids. Claim submitted the Sunday I brought him home; claim approved around a week later and check arrived less than two weeks from the beginning of the whole event.

out of 5

POSTED: | BY: Erin Arroyo

Excellent Customer Service

Embrace is consistently prompt with claim service and with any additional needs. Hands down, I will never use another pet insurance company!

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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