Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Sondra Williamson

Embrace Gives Me Peace of Mind

I've had a great experience with Embrace. I have a 2-1/2 year old Corgi and covered her from 6 weeks of age. During her first year, she had some very expensive illnesses, two of which required hospitalization. Embrace paid my claims fully and promptly. I also had Embrace on my Sheltie before her. When I lost him at 13, I compared money spent on premiums vs money received for claims, and I came out a little ahead on dollars, not to mention the peace of mind of knowing I could give him whatever he needed. I HIGHLY recommend Embrace.
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5

out of 5

POSTED: | BY: Kevin Barnett

Easy

Easy, straightforward submittal process.
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1

out of 5

POSTED: | BY: Debra E Hayton

I DO NOT RECOMMEND EMBRACE

Filed a claim on June 26, 2025 for vet visit on June 25th. After multiple notes to the vet and myself sending detailed notes still no answer from claims. I called last week and was promised swift process and still nothing. I pay big $$ for an 8 year old cat and the vet visit was under $300.00. I will give them until Friday, 5 weeks post filing claim and if no decision I will file a BBB and Elderly fraud alert. Our vet recommended Embrace so I will let them know the outcome.
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5

out of 5

POSTED: | BY: Ryan Mehigan

Getting signed up and filing claim is easy

Getting signed up was easy. Submitting the claim was also very easy. They only way if would be better was if the Embrace was internally connected to the Vets office's system, so that claims were automatically submitted. All said. Very easy online interface.
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5

out of 5

POSTED: | BY: Diane

Claims are always a seamless…

Claims are always a seamless experience. Reimbursement arrives quickly. Having this policy is the best thing I could do for my dog.
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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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