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: Paula B.

An insurance company that cares

The staff has been very helpful showing a great deal of concern and compassion. I wish human insurance companies were as responsible. Illness and injuries are hard enough to deal with without the struggle of dealing with forms and repeated phone calls. Embrace assists you through those times with as little problems as possible. When I filed a claim, they were prompt in responding. I would recommend this company highly.

out of 5

POSTED: | BY: Claudia Kay

Understands Pets are People Too!

Warm regards always accompany all Embrace corrrespondence along with their wonderful reimbursement checks!

out of 5

POSTED: | BY: Balaji Venkatesan

My first claim

I submitted two claims for my puppy Casanova. Embrace was prompt to respond to my emails and also return my phone calls. Their explanation of benefits was spot on and the coverage amount was EXACTLY what I had calculated. The process took about 15 business days from the day I submitted my claim form and invoice. Since it was my first claim, they took their time to review all information. During the entire process, they kept me informed of what was going on. Even though there was a confusion with one of my claims, they redid the whole thing after I explained to them. This is the first insurance company I've used and I am extremely satisfied with them. I hope they maintain the high standards in the time to come. Cheers!

out of 5

POSTED: | BY: Nancy Wiest

Best insurance company I have ever dealt with

We lost our two beloved dogs about two years ago, it took about a year to decide to get another dog. When we got Bonnie we decided that it was very important to get pet insurance. The illnesses of our two dogs had cost several thousand dollars, so we wanted to be better prepared this time. We looked at several policies and none seemed as good as Embrace. Embrace has handled every claim promptly and professionally. Every staff member I have dealt has been extremely nice, courteous and helpful. All in all the best insurance company. My own health insurance company could take a lot of lessons from Embrace.

out of 5

POSTED: | BY: Dalit Cohen

great communication, fast and professional

although i wish annual and drugs were included in my plan, i feel embrace is very professional and they had good communication with me throughout the process of claims.

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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