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: Angela

Embrace Rocks!

I have only been with Embrace for 6 months, but in that short time, the company has only impressed me. They are professional, friendly, helpful and prompt with all contacts. Recently, I had to contact them directly regarding a bill, and the whole concern was resolved within a few hours. How often does that happen? I recommended this company to anyone who is interested in straight-forward, detailed and fair pet insurance coverage.

out of 5

POSTED: | BY: Silvia Giorgini-Althoen

Promptness and Efficiency

I had this insurance for 3 years and recommended to at least 10 people, but I had never filed a claim until last Tuesday and the claim has been already processed and the refund in the mail! I am truly impressed! I am very happy Embrace has started the Wellness Reward Program! Keep the good job and KUDOS to all the fantastic personnel that really take the extra time to find your answers!

out of 5

POSTED: | BY: Davee Cucco

Excellent Customer Service & Response

After researching many insurance companies for our puppy Gracie we luckily found Embrace after reading some very good reviews. Our experience thus far has been prompt response on all questions, concerns and submission of claims. We are pleased with our choice and recommend Embrace to all the pet lovers out there.

out of 5

POSTED: | BY: Joy Drake

Worry Free Support

I recently submitted my largest claim to date after my Beagle fell extremely ill. I was worried that maybe I hadn't read everything correctly (you know...the fine print) and it wouldn't be as "covered" as I thought. What a relief to know that this company does exactly what it says it will. The reponse was fast, organized, detailed, and very easy to understand and most importantly caring! Embrace staff really care about your pet! Financially this would have been impossible for me to manage so their quick response has really saved my month! I am so glad that I did not have to skimp on care for my dog for financial reasons. I just couldn't handle that burden. I love Embrace! Thank you!

out of 5

POSTED: | BY: Charly Merrill

Best pet insurance I have found!

Fast adjusting of claims; no surprises on coverage; everything as advertised. Great coverage!

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