Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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.
5

out of 5

POSTED: | BY: JodyK

Extremely Satisfied with Embrace

We have had Embrace Pet Insurance for many years and have been pleased with the continuous improvements made to the app that simplify the claims process and keep information at our fingertips. We are also very impressed with the people we have interacted with as they provide clear explanations and guidance. The care and expediency in the claims process is much appreciated. We are so glad we chose Embrace for our pets!
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5

out of 5

POSTED: | BY: Andy Wolcott

The claims process was very…

The claims process was very straightforward and easy to complete.
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5

out of 5

POSTED: | BY: Guy

Lana Claim 08-19-25

Claim was very easy to submit. Will up once claim is processed.
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4

out of 5

POSTED: | BY: Erik Hoffer

When I go to submit a claim the options…

When I go to submit a claim the options given for the issues are seemingly fixed. I had to call to find out that I needed key words to then locate an acceptable diagnosis. Seems like that is confusing and not well thought out by whoever did the website.
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5

out of 5

POSTED: | BY: Debra Convertito

Very easy to work with

Very easy to work with. Representatives are always very helpful
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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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