Embrace | Pet Insurance Review


out of 5

Number of reviews 12,076

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.7
  • 2.7
  • 4.7
  • Count
  • 7
  • 23
  • 12,076
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: Jaimee

If only human health insurance worked so well!

Their service is impeccable. They are thorough, attenttive, honest, and upfront. They are the answer to the healthcare crisis in this country. Of course, I'd prefer if dental and drugs were covered in the annual plan...but I'm sure there was an option for that, that I likely opted out due to increased monthly payments. I couldn't possibly be happier. Christina Wrona is the person with whom I've been dealin...professional, knowledgable and caring. Thank you.

out of 5

POSTED: | BY: Sheilah DeVore-Gieseman

first claim

This was the first time my husband and I had ever tried pet insurance and we were not expecting much! We submitted a claim and were asked for more info. Our claim was completed quickly and fairly. Our claims adjuster was pleasant and we could actually communicate with her! I would definitely recommend Embrace. The rates are also a great deal compared with other companies. The policy options make sense and give us peace of mind.

out of 5

POSTED: | BY: Wendy in

No Worries with this Company

After a horrible experience with VPI and a semi good experience with Petcare, I found this site and saw all the raving reviews for this company, so I decided to try it out. I just want to thank everyone for your input becuase this company is absolutely fantastic. 3 months after my plan went into effect my dog began having seizures, I was a little worried that the company would try to say that it was pre exisitng since it had only been 3 months since i got the insurance, but i was so wrong. they emailed me to update me on the progress of the claim and was very helpful in trying to get information, going so far as calling the vet themselves. They remained professional and so caring. I really wish I would have discovered this insurance in the beginning, but I'm so glad I'm signed with them now. Embrace is the perfect name for them, they truly embrace you and your pet.

out of 5

POSTED: | BY: n.c.l.

An outstanding pet insurance company

They are an excellent, caring, and professional company.I had problems with another pet insurance company and they stayed with me through it all and were very supportive. They communicate with you on a constant basis and answer all you questions. I highly recommend them and it is wonderful to know that they really care about pets and their owners. They pay claims on time and constantly keep you updated, Thanks a million Embrace.

out of 5

POSTED: | BY: Margaret Bundy

Part of a family!

We have two golden retrievers Rose & Rio, one of which is a 7 month old male puppy. We just completed our first two claims and Embrace followed through with everything they said they would. The process was easy, the service was prompt, and the customer service communication was terrific. It feels like we are part of a family, not a business client. That has never happened with our personal human insurance. It feels great! We would recommend Embrace to anyone with pets.

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.

Get a quote today

Leave a review