Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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.
2

out of 5

POSTED: | BY: Pasquale Turchi

Took my dog to his vet on Jan

Took my dog to his vet on Jan. 28, 2026. Still waiting for the settlement of my claim.
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5

out of 5

POSTED: | BY: Laurie

My representative Roger was fantastic

My representative Roger was fantastic. Took the time to go through everything with me and did a cost comparison to my previous carrier. I switched over to embrace.
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5

out of 5

POSTED: | BY: Marie

Claim call

Once I was able to speak to a representative, I found her to be very informative and she sent me a form to submit my claim on line rather than login to the website.
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5

out of 5

POSTED: | BY: Roberta Jean Reardon

Embrace works so well!

We had a somewhat rocky start with pre-ex but worked it all out to our mutual satisfaction. Staff is extremely pleasant and quick to respond. Claim payment is excellent. If you're unsure about this insurance, let me say how easy it is to file a claim and how quickly it's paid...usually 3-4 days. That's amazing. You're also offered the option to either keep the current coverage or reduce it. Either way, Embrace will work with you to find the right answer for you and your pet(s).
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5

out of 5

POSTED: | BY: RJ

Great Team

I have been a customer for the past three years! The customer service has always been so reliable. efficient, pleasant, and knowledgeable. I contacted them for clarification and how to submit a claim. It's certainly an enjoyable experience. Great to do business with them. Thanks for all you do!
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

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.

Deductible

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

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

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 detail
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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