Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Lisa

quick and easy submission of claim.

quick and easy submission of claim.. I have never experienced any issues with claims or reimbursement.
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5

out of 5

POSTED: | BY: Mary

I have had pet insurance on my dog for…

I have had pet insurance on my dog for 8 years never had to use it till now and between the stress of a sick dog then my husband had a heart attack , I was crazy with worry about there wellbeing and about the bills piling up but Embrace made it so easy and I will forever be grateful for them
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5

out of 5

POSTED: | BY: Ruth Ann Cooper

5 Stars

5 Stars – True Peace of Mind for Pet Parents Embrace Pet Insurance has been one of the best decisions I’ve made for my pet. From the very beginning, the entire process — from getting a quote to submitting claims — has been smooth, transparent, and user-friendly. What really sets Embrace apart is their outstanding customer service. Every interaction I’ve had has been with someone who clearly cares — not just about the policy, but about my pet’s well-being. They’re prompt, helpful, and always willing to walk me through any questions. When my dog ate a needle… Embrace handled the claim quickly and with compassion. There were no hidden surprises, and they communicated every step of the way. The coverage options are flexible, and I love the Wellness Rewards program for routine care — it shows they understand that preventative health is just as important. Having Embrace means I can focus on my pet’s health without stressing about the cost. It’s real peace of mind knowing we’re covered by a company that truly puts pets and their people first.
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5

out of 5

POSTED: | BY: Ellen Pritchett

Website is easy to use.

Website is easy to use.
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5

out of 5

POSTED: | BY: Joseph Nelligan

Website is clear and easy to submit…

Website is clear and easy to submit claims!
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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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