Embrace | Pet Insurance Review


out of 5

Number of reviews 12,394

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 18
  • 12,394
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: Ana Watson

I wish they did human insurance too!

My first puppy was born last year, and he was the joy of my life. I made many arrangements for his coming home, including taking about a good week (~4 hrs a day) to find the best pet insurance I could. Embrace was simply the best of the best, in terms of insurance companies, period. There call center always answered my questions promptly, and didn't mind my million and one "what-if scenarios" questions. They were clear what was covered, what wasn't, and what additional add-ons (like the wellness package I got) would do and what they wouldn't. I think I talked to the company a total of 20 hours before I actually got the puppy signed up (they were very friendly, and I'm very picky, and they were very professional). Once sign up, I couldn't have been happier with the claims process. There explanation of benefits is SOOOOO much better than my own insurance company- it actually explains how/where the money goes! The checks were mailed quickly...I hear they now offer direct deposit too. Having gone through several human health insurance companies, I really wish they would have services for humans too! But its ok they want to stick to the cuddly animals-they deserve the best, and they got it with Embrace. I don't have any complaints (maybe the waiting period is long-but definitely not longer than their competitors)...this is possibly the best case of corporate insurance responsibility and reliability I have ever seen.

out of 5

POSTED: | BY: Beverly Scott

First Embrace Claim Went Smoothly

I have just filed my first Embrace claim and felt the process went smoothly. There were some delays due to the need to obtain prior care information from several sources but not due to Embrace's lack of response. The Embrace customer service team was outstanding, always responding promptly and keeping me informed.

out of 5

POSTED: | BY: N. Burger

Awesome Company!

After knowing people who had major medical expenses for their pets, I researched pet insurance companies at the same time I was researching breeders. Fortunatley, I found this website and Embrace Pet Insurance. I have had my labrador retreiver insured with Embrace since I brought her home from the breeder. Unfortunately, my lab hurt her knee and needed surgery and rehab. Fortunately, I have Embrace Pet Insurance. Every time I have had any contact with Embrace, it has been extremely professional, helpful, friendly, and caring. I receive an email when my claims have been received and when it has been processed. All claims have been promptly addressed and when I have called them, the reps are wonderful. I tell everyone about how happy I am that I chose Embrace to insure my lab and I highly recommend them to everyone who asks about pet insurance - which is pretty much everyone when they find out what happened to my dog because it could happen to anyone's dog.

out of 5

POSTED: | BY: M. Sloam

Excellent .

This was my first claim on my first policy with Embrace.Customer service was excellent--I faxed in my claim form and promptly received an email confirmation. The claim was processed quickly and reimbursement was completely fair. The policy is readable and reimbursement is based on regional costs. I have just renewed my policy for another year.

out of 5

POSTED: | BY: Vicky L

Good policy, reasonable rates, excellent service

Flexible options for what I want to cover at reasonable rates for our four Bernese Mountain Dogs. Have submitted three claims in the two years I've had the policies, and they have been processed quickly and accurately with no surprises. Embrace personnel have been extremely friendly and helpful at every stage. I'm extremely satisfied and highly recommend Embrace Pet Insurance.

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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