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: Rachael

Embrace has been AMAZING!

Within the first year of having my Dobie Charlotte I had to file a claim, a large claim......Charlotte swallowed a rock and it didn't want to come out. Embrace was professional, timely, and had the claim paid within a couple of weeks. Did I mention that is was a LARGE claim?!? Thanks Embrace, you rock! Rachael & Charlotte

out of 5


Great and flexible service provided

Great pet health care. Head and shoulders above the company I tried in the past (VIP). Staff is responsive and helpful. Willing to listen when there is confusion about a claim.

out of 5

POSTED: | BY: Alison Boozer


I am so pleased with Embrace coverage for my boys, Atlas and Shadow, two Weimaraners. These boys are brothers and we have had them since they were seven weeks old. They are challenging dogs, wonderful companions, beautiful athletes -- but boys will be boys. Every claim, whether it be wellness, illness or accident, has been processed quickly, efficiently, and professionally. I love the quick response time and the immediate follow-up by e-mail. I will recommend this to every pet owner I know and keep our boys covered for their lifetimes!

out of 5

POSTED: | BY: Jen Tenenbaum

Quick and efficient service

Customer Service is outstanding. All questions were answered in a professional, yet friendly and personal way.

out of 5

POSTED: | BY: Yumi

Great company with easy access!

I feel really good about having this insurance for my dog. Rascal has been healthy , had no major problems the last 8years but just for the security ,I would strongly recommend to people who have beloved pet in your life.they are your kids after all!!

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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