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.
1

out of 5

POSTED: | BY: HollyL

i paid for coverage that they won't cover

I had two older claims that I had not put in. i have had this insurance since 2017 and have paid every month. now I am being told that even though I paid for the coverage, since I didn't file in time it is being denied. I don't think that is even legal.
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5

out of 5

POSTED: | BY: Sonya Nelson

I’ve had a good experience with this…

I’ve had a good experience with this pet insurance company. Make sure you get it when you first get your dog. Don’t wait or you’ll have pre-existing conditions. I have it on both my dogs. One has a pre-existing condition of anxiety so his meds aren’t covered. They also don’t cover prescription dog food which is a major bummer because ifs so expensive. So consider that if signing up with them. But it’s been good so far! I’ve had the insurance for 2 years and we won’t be without it.
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4

out of 5

POSTED: | BY: Diane

It was easy to apply

It was easy to apply. My current insurance changed hands again and up the price and got rid of items and deductible. Your insurance is closer to what I had.
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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!
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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!
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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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