Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,737

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: Nancy S

I’m so Happy I found EMBRACE

I’m so Happy I found EMBRACE The staff is so helpful and accommodating!’ I received my first refund Super easy in do the contact with our veterinarian was painless!! I am already sharing information to all my Dog loving friends at Embrace!!!
1

out of 5

POSTED: | BY: John Hickey

Embrace used to be a great company…No Longer a great company

Embrace used to be a great company providing good value. Now Embrace is a greedy corporation putting profits ahead of services. I have been a loyal customer for over 15 years. No longer I of my dogs was insured by embrace for 11 years. My current dog has been insured by embrace for 3 years. Every year the premiums go up. I understand that. However, the most recent increase is ridiculous. No current health issues with my dog. Accident and health premiums has changed from $234.00/month to $376.00/month. The numbers no longer make any sense. I will bank $376.00/month versus paying ridiculous premiums. Please think seriously about using Embrace. March 23 2026 I just read the response from Embrace. I will say this very clearly. But beware I am seeing very similar post to mine regarding embrace making ridiculous increases to pet insurance premiums. I did some research and there are clearly better alternatives at this time than embrace. A was very happy customer if Embrace who now feels their corporate greed !!! Don’t get surprised by their bait and switch sales pitch. Sorry for Being so negative but embrace needs to called out for their ridiculous AI generated policy increases. Smells a lot like a doge audit :)
5

out of 5

POSTED: | BY: william whitney

They are kind considerate

They are kind considerate, happy to help out anyway they can. Glad we chose them for our pets
2

out of 5

POSTED: | BY: Miri Nakamura

Everything was great until my 2 cats…

Everything was great until my 2 cats got older. As soon as one of my cats turned 15 they increased the premium by $100 on him. So beware! the premium starts off low then they will drastically increase it! It's like a scam! My cat is a healthy cat with no issues whatsoever, and we've just been giving them money for 15 years with barely any usage. Now I'm paying $250/month, which is insane for a cat health insurance.
5

out of 5

POSTED: | BY: blancamazy

Thank you from the bottom of my heart!

I want to sincerely thank Embrace for making a very stressful time much more manageable. My dog became extremely ill and had to be hospitalized, and the last thing I needed was a complicated claims process. Thankfully, submitting my claim was quick and easy. Every time I contacted customer service, they were polite, helpful, and took the time to answer all of my questions. My claim was processed and paid promptly, which lifted a huge financial burden off our shoulders and allowed us to focus on what mattered most—helping my dog recover. Thank you Embrace!

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 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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