Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Roxanne Barnett

Never had a problem with company

Never had a problem with company. All my claims were approved within a couple of days. I've been with them for about two years now. They are also helpful on the phone as well.
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1

out of 5

POSTED: | BY: Brianna Stuart

Repeated charges a year after cancellation.

In June of 2024 I cancelled my policy and moved to another company because my monthly nearly doubled with no warning. All seemed fine until April of 2025 when I was suddenly charged $93. Then I was charged $600+, then another $93, all within a month. I called in and they reversed the charges, but a couple days later I received an email telling me a charge for nearly $900 would go through on 6/15/2025!! It had better not... I've emailed them and all I've gotten back so far is an email asking how they did, so here I am, telling them.
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5

out of 5

POSTED: | BY: Martha Jones

Fast Processing

I submitted several claims for my dog this afternoon. Before I finished submitting them (which is very easy), the first one had already been approved!
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5

out of 5

POSTED: | BY: Heather Salvadore

Very simple to submit a claim and…

Very simple to submit a claim and explanation upon claim reimbursement. Great benefits overall for our fur babies
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5

out of 5

POSTED: | BY: Linda Leach

Embrace makes it so easy to submit a…

Embrace makes it so easy to submit a claim and are very quick with a response. Their customer service is A+.
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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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