Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Kevin Rauchut

Really helped when my cat got suddenly…

Really helped when my cat got suddenly sick and it was easier to make the right decision having embrace as a back up. Also every customer service agent I’ve spoken to from embrace were incredibly pleasant and helpful.
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5

out of 5

POSTED: | BY: Helen

I have never had a problem with…

I have never had a problem with Embrase. They are very friendly and kind when you are telling them about your Fur Baby. Very understanding and fast to pay claims which helps a lot. I am so happy I found Embrace!!! I know my fur baby is protected.
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5

out of 5

POSTED: | BY: Lydia Bulas

Representative was very pleasant and…

Representative was very pleasant and knowledgeable Answered my question right away
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5

out of 5

POSTED: | BY: George Pankewytch

Submitting a claim is easy!

Submitting a claim is easy. I scan the paperwork from the vet's office along with my paid receipt and submit them. The hardest part is remembering who my carrier is!
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5

out of 5

POSTED: | BY: Hinez Carvalho

This Company insurance is great

This Company insurance is great! I’m using since April 2025 and everything my dogs are using at hospital, they are paying 100% covered!!!thank you I always recommend
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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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