Embrace | Pet Insurance Review


out of 5

Number of reviews 14,311

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 14,311

Updated: May 29, 2024

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: Suzie Lorenzi

Embrace is the best!

Embrace has been the best! We have never had a problem with them, and Embrace has always been awesome! With Embrace, I can keep my cocker spaniel Phoebe well! I have recommended you to all my friends. Keep up the great work! I wish there was a great health insurance like this for humans.

out of 5

POSTED: | BY: Peggy Kerper

So glad I signed up with Embrace

I now have peace of mind knowing that I now have Embrace pet insurance for my dog Callie. Had my first claim for Wellness and within one week I received my check. It covered my whole visit at the vet. I don't have to worry about not being able to afford to take her annually for her check-up and shots. Also, I don't ever want to be in a position that I wouldn't be able to afford to have Callie taken care of if she would get sick or hurt. So far Embrace has very good to deal with. Thanks Embrace!

out of 5

POSTED: | BY: Ashley Wilkum

Love Embrace!!

I am beyond pleased with Embrace. I was very skeptical about puppy insurance. We had a very expensive hospital stay for our puppy and decided to try it out. I choose Embrace based on reading reviews online. We have had them for 5 years now and I have not once been dissapointed. The claim process is very easy and fast (our dog likes to let us try it out - she loves going to the vet and tries to get there as often as possible). The staff is always checking in to be sure that you know they have recieved your claim/are processing/sent out a check, etc. I would (and have!) reccomend Embrace to anyone. I have a friends that have also used Embrace based on my experience and they have nothing but good things to say as well.

out of 5


Friendly & Helpful Staff, Good Coverage

We have had Embrace insurance for our dog for over a year, and we are very pleased. The staff is helpful when we have questions, and they make us feel like we are important. It feels as if they were a small, personal company, instead of a big corporate business like some others out there. Submitting claims is easy, and we feel better knowing that our furry family member is covered!

out of 5

POSTED: | BY: Chere DiValerio

Can't Thank You Enough!

I didn't get my claim sent in for my Wellness Plan reimbursement within the 90-day time frame, so I shouldn't have received a check...but I was happy to find out I was reimbursed after all. It came in the mail very quickly and I was so grateful since I'm unemployed and the funds were needed. I really appreciate the "human-touch" I get from Embrace for Gracie, my Jack Russell-Chihuahua baby. Definitely worth the monthly fee.

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

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.


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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