Embrace | Pet Insurance Review


out of 10

10222 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 7.7
  • 9.3
  • Count
  • 3
  • 80
  • 10222
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: Steve Shaw

you guys are very very prompt time handling claim

I recommend Insurance to everybody I see that owns a dog Embrace insurance

out of 10

POSTED: | BY: Stella Boo


This is my first puppy a Yorkie her name is Stella. I didn't know where to begin, but Embrace made so easy for me to understand the processes of getting insurance. For Stella Boo. Their Customer Service Representatives have been so helpful and kind . I would recommend Embrace to everyone that is looking for pet insurance. I'm so pleased!!! Thank you

out of 10

POSTED: | BY: Cary J

What a comfort to have them on my side

Could not be more pleased with Embrace. I have no regrets since joining your team approximately 5 years ago. Look forward to many more years to come . Keep up the great work.

out of 10

POSTED: | BY: Randie

Excellent company!

Embrace is a great company. Not only have most of my claims been covered but a response comes almost immediately after a claim is submitted. First saying that they received the claim and a few days later an answer - usually followed by a check in the mail.

out of 10

POSTED: | BY: Arlean Owens

Embrace recommended - Best ever

I'm please because of the quick reimbursement turn around on all my claims.I highly recommend this insurance to a pet owner. Also, the staff were helpful in assisting me with the Wellness program. I've been a pet owner for over 30 years and I was hesitate about insurance to pets. Embrace is really for the pet. The monthly cost is very reasonable.

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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