Embrace | Pet Insurance Review


out of 5

Number of reviews 13,015

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.9
  • 2.8
  • 4.9
  • Count
  • 7
  • 25
  • 13,015
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: Natalie Saladino

Great Customer Service

I put in a claim form and had the wrong claim at the veterinary clinic. So, when I emailed Embrace. They sent me the correct form, but I have been tied up working. Therefore, as a complimentary to me they allowed my claim to go through today, which is within 2 weeks. And I have direct deposit so it will be in my account within 2 days. It was the standard orthopedic exam, vaccination shots, and wellness. A tip for owners-Always keep accurate notes on your animal, keep receipts, always ask questions, and keep your animal up to date with vaccinations. This company has assisted me when I put in my paperwork without having a chance to fill out my claim form. They expedited my claim at a very fast rate with direct deposit. I am very pleased with the customer service experience and recommend this company to any pet owner, which I have been doing so. Thank you so much Embrace!

out of 5

POSTED: | BY: Anonymous

Review of my plan

I have been satisfied so far with my experience with Embrace. I have been with you folks for about 3 years now. I do not know how you compare with other pet insurance companies...I do feel strongly that regardless of whether FDA approves it..supplements should be covered if prescribed by a vet and there is no medicine that matches pet's condition and FDA is certainly no stranger to bad drugs so do not think they should be any benchmark on safety or approval.

out of 5

POSTED: | BY: Theresa

A Smart Decision

I have 3 dogs and never had to use my insurance until this August when my 4 yr old dog developed an unusual looking cancer? The presentation of his disease is not consistent with his biopsies and has taken alot of dectective work to find out if it is treatable. Embrace has paid for what they said they would and has made this whole process a little easier. The turn around time for the claims is about 3 weeks.

out of 5

POSTED: | BY: Kevin O

The Best

When I was about to get a Chinese Shar-pei puppy I looked into pet insurance as the breed has a history of health problems. Embrace was the only company I found that would cover breeds specific/genetic problems so I went with Embrace. I was a little skeptical when I started to submit claims but honestly, I couldn't be happier. Embrace reimburses quickly and has never challenged a claim. In the first year my shar-pei has undergone 2 entropy surgeries, 1 bout of mange, 1 bout of hystiocytoma and Embrace didn't balk at any of it. I'll be staying with embrace for year 2 of my little girls life.

out of 5

POSTED: | BY: Peter Slivinski

As advertised

Policy fulfilled as written. Will continue to use Embrace in the future- excellent company.

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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