Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Don from USA

Pet Insurance with Embrace is a complete waste of your money.

Pet Insurance with Embrace is a complete waste of your money. They use the excuse of "preexisting conditions" to deny major claims. Embrace's Claims Dept used a 2022 trip to the Vet for muscle soreness after vigorous exercise to deny a torn ACL surgery claim in 2025 despite a statement from the 2025 Vet saying the two incidents were unrelated. Stay away from Embrace.
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1

out of 5

POSTED: | BY: John Cole

Everything went wrong

Everything went wrong, first of all you guys took out the money from my account for starting my plan, and then I was never notified about being reimbursed for things, instead of having the vet just bill you guys, so I decided to cancel my policy with you guys and I was told that I would get my money refunded back to me in full, and instead you guys tried to take out more money out of my account again!!!! That's not right of you guys to do that to people, what a bunch of scammers you are!!!!!! Better make it right with me....
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5

out of 5

POSTED: | BY: Doug Miller

Highly recommended…

Fast response, hassle free experience, fast reimbursement, great communication.
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5

out of 5

POSTED: | BY: Carol Greenberg

Having an aging pet has proved to be a…

Having an aging pet has proved to be a challenging proposition. Conditions like cancer, raised creatinine levels, and the like, have called for costly treatment. Paying premiums helps me stay regimented at paying into my pet's health care at more affordable rates. Yes, you have to pay up front at the vet, when you actually take the pet to the vet, but getting refunds from Embrace Insurance to pay towards your pet's next treatment is helpful. Thank you, Embrace, for helping me care for my girl. We had a wellness checkup this time. Our girl is still aging :-( but we love her.
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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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