Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
5

out of 5

POSTED: | BY: Alisbeth Tirado

⭐️⭐️⭐️⭐️⭐️ Excellent Coverage and Peace of Mind

I recently signed up with Embrace for my dog Sophie, and the experience has been great so far. The plan I chose is affordable and straightforward, and I love that it includes both accident coverage and a wellness plan. The $700 yearly wellness allowance makes a big difference, it helps cover essentials like Simparica Trio for heartworm/flea/tick prevention and even allergy care, which can add up quickly. What I appreciate most is how transparent and helpful the process has been. The representative walked me through every detail and made sure my plan was active right away. Claims are easy to submit, and I feel reassured knowing reimbursements are handled quickly. I also like that the wellness funds don’t roll over, because it motivates me to use the full amount on Sophie’s health throughout the year. It really gives me peace of mind knowing she’s protected no matter what comes up. Overall, Embrace has been reliable, easy to work with, and a huge relief financially. I would absolutely recommend them to other pet parents looking for comprehensive coverage and great support.
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5

out of 5

POSTED: | BY: Claudia Ionescu

Super easy to submit a claim.

Super easy to submit a claim.
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2

out of 5

POSTED: | BY: Laura Tafone

Waiting toooooo long for claim to be resolved.

Submitted my claim for my pet on 7/2/25. The site keeps saying pending medical review. It's been 25 days and still no answer. Sent an email message inquiring why this is taking so long to make a decision on my claim-----NO ANSWER!!!! Totally unacceptable.
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5

out of 5

POSTED: | BY: Brittany Notman

love this insurance!

love this insurance!
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5

out of 5

POSTED: | BY: Edward Andrew

Easy claims submission

Submission of claims for our pet Pomeranian were easy and straightforward. Instructions were easy to follow.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

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.

Deductible

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.

Exclusions

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 detail
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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