Embrace | Pet Insurance Review


out of 10

10222 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 7.7
  • 9.3
  • Count
  • 3
  • 80
  • 10222
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.

out of 10

POSTED: | BY: Rosaire Belizaire

Outstanding provider for my dog insurance need.

Embrace is providing excellent coverage for my dog. Easy to file a claim, review process is prompt along with reimbursement. If you need to call the staff is knowledgeable, respectful and eager to help.

out of 10

POSTED: | BY: Lynn Shepard

Embrace Pet Insurance was a good choice!

I purchased the policy for my dog last year and she has always been healthy but I wanted to make sure she had insurance just in case something came. Chloe had trouble with her eye the end of last year and the Vet sent her to an ophthalmologist. They ran tests and she had an infection and she needed medication and drops. I actually thought she was going to go blind. But the medication worked very fast and she is almost completely healed. It was very easy to submit my claims and a good portion of her bills were paid by Embrace. I am very pleased with the ease of submitting the claims and how they show the progress as your claim is being worked on.

out of 10

POSTED: | BY: Hanna Vaughan

Overall a great experience with its flaws

Overall, Embrace has been amazing. It's on the higher end of premium costs compared to others, so with that, I expect higher service and they have definitely delivered on that. We have had a policy with them since 2019 and have only had 1 or 2 "issues" and it's really just been with the claims person who was handling our claim. I won't get into detail because I truly think it was her lack of effort, not the company as a whole. Embrace makes it VERY easy to submit claims and they process them quickly. Like in less than 24 hours. This is new and improved but it matches the service I expect for my monthly premium cost. Their online portal is easy to use and overall we are happy with them! We get a discount for being USAA customers, so I would see if your current insurance plan has a deal with them as well!

out of 10

POSTED: | BY: Maureen Lesniak

Embrace exceeded my expectations

Thank you Embrace, you made my first time claim easy to file. Customer Service, prompt updates to keep me advised, explanation of what would be covered was easily understood. Payments sent with no issue at all. Thank you, I would recommend Embrace to all my friends with pets.

out of 10

POSTED: | BY: Sally Fox

Great for Dog Owners!

We got this insurance when our dog turned a year old and it ended up covering a large ER bill shortly after. The process for submitting a claim is super easy (you can do it from your phone!) and the turnaround time is less than a week. If you have a dog that frequently gets into trouble, this is a must have.

Monthly Cost

$13 – $100, depending on your chosen plan.


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.


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

Coverage begins after 48 hours for accidents. A policy waiting period of 14 days applies for illness claims.


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 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.

Get a quote today

Leave a review