Embrace | Pet Insurance Review


out of 5

Number of reviews 10,253

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 3.0
  • 4.9
  • Count
  • 4
  • 23
  • 10,253

Updated: November 13, 2023

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: Andrew Benson

I wanted to add the Wellness feature

I wanted to add the Wellness feature to my account, it was a seamless transaction, and they knew exactly how to make it happen. It was a very pleasant experience.

out of 5

POSTED: | BY: Steven Murphy

My claims were initially declined…

My claims were initially declined because I submitted them incorrectly. The staff assisted me on resubmitting and paid them them promptly

out of 5

POSTED: | BY: Dave Underwood

easy to submit claims

easy to submit claims

out of 5

POSTED: | BY: Donna D

Best pet insurance ever

Best pet insurance ever! The claims are so easy to file. The reps send emails to give you updates on claims. Always a personal note from agent . Makes everything so much better when you have a sick pet. Thank you.

out of 5


It's like they don't trust the customer

It's like they don't trust the customer. File a claim and it could take weeks to get approval. Last claim I filed, they asked for the Dogs history all reports not just the one I filed and all Doctors records including notes.

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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