Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Kerry Heemann

Max seen in pet ER 3/7/2025

Max seen in pet ER 3/7/2025. It is 4/19/2025, and I don’t have my reimbursement check yet. Embrace blames Pet ER and Max’s vet office. When I called Pet ER and Max’s vet, they blamed Embrace. On 3/7/2025 we paid a $951 bill. We still don’t have our $373 reimbursement. Shame on you. Kerry Heemann 410-218-6987
Read more on Trustpilot
5

out of 5

POSTED: | BY: Harold Denman

We ha e one pet "Ronnie "

We ha e one pet "Ronnie " . Each time we have submitted a claim . We have had a Very Positive experience. We know now that Ronnie is in Great hands.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Robin E. Dutton

I would have given 5 stars but I…

I would have given 5 stars but I cancelled my policy because the premium increases by at least 50% each year and after canceling, I was still charged. They acknowledged the error but it will take up to 10 business days to get my money back after they took the money without cause or permission.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Andrew Calderon

Paid for insurance for nothing

Unfortunately I had a claim that should have been approved but it was denied. Paid a lot into my insurance only for when I needed them they didn't come through. I provided what i could from the vet but it just wasn't enough. The vets never lose though and get there big pay day Everytime. Better off not having pets.
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