Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Ashlyn Governale

I had the pleasure of talking to Gary…

I had the pleasure of talking to Gary while setting up my insurance plans for our two girls. He was amazing! Extremely thorough with what our plans offer, how to get the most from our benefits, and overall extremely kind! One of those customer service experiences where you leave the conversation with a smile on your face. Thank you, Gary!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Ruth Nelson

Embrace goes over and beyond

Embrace has given me more comfort than I can express! No matter what the situation is, they've always been there for me. It's amazing how fast a claim is processed. I had a claim on 5/28/25 for a Cytopoint shot and I received an email on on 5/30/25 that it had been reviewed and paid. I wish our personal insurance's was that fast and easy to use!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Lindy Witz

Claim filing & processing

Claim filing is so easy to do and the response and processing of claims is fast. I am so glad I have this insurance for my much beloved and spoiled fur baby
Read more on Trustpilot
5

out of 5

POSTED: | BY: Sam Sommer

This is my 2nd pet that I've had…

This is my 2nd pet that I've had insurance and wellness coverage and the premium is a great price as well as the process for claims is very simple.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Julie Henninger

Really easy claims experience

Really easy claims experience! They got back to me really quickly on all my claims and payment was sent promptly. Their app does need a lot of work. I try to submit claims on the app. It seems to always crash on me, but the computer works fine. Great coverage options and insurance for my fur babies!
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review