Embrace | Pet Insurance Review


out of 5

Number of reviews 12,410

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 18
  • 12,410
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: Jane Sturtevant Janee

I paid my years worth of premiums in…

I paid my years worth of premiums in full in early March. I submitted claims for $500 for a 10 yo healthy dog but he needed some health maintainence. I got back $83. This company is a scam, they don’t answer their phone and don’t return phone calls. I did speak to one very nice man who was relatively new with the company. He tried to be helpful but to no avail. I requested the balance of my unused premiums back. DON’T USE THIS COMPANY.

out of 5

POSTED: | BY: Luis Tupac

Good Experience tricky start

Honestly, Embrace was a bit tricky at first to get used to, but this I have had to rely on the insurance so much and I wasn't blindsided nor was I ever led on. Truly enjoy my time with Embrace and I plan on adding all my pets to it

out of 5

POSTED: | BY: Carrie Pardy

Reimbursed within a week!!

Reimbursed within a week!!

out of 5

POSTED: | BY: Alex Gambero

Go elsewhere. Avoid the Gaslighting.

So far I feel that the company is a scam with the amount of reasons they try to find to not pay for the care of two very healthy 2 year old cats with one episode of vomiting and poor intake. They gaslight you into it being your fault that you are asking to get a bill covered despite paying their premium every month on time since the cats were barely 10 weeks old. Embrace your wallet and time because they will be sure to take a lot of both and make you feel like you purposefully made your cats sick and shame you for going to get routine care for them. Response to their reply: it’s an automated response that they copied and pasted from other users with similar issues. It doesn’t address specifically their denial.

out of 5

POSTED: | BY: Anand

Like every other typical insurance…

Like every other typical insurance company, Embrace also finds reasons and excuses to not pay claims. Nothing surprising.

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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