5
out of 5
POSTED: | BY: Alison Abrams
Easy to use.
Easy to use.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,927
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: Susan Permuy
Claims are submitted and processed with…
Claims are submitted and processed with ease! This Company is amazing and takes the worry out of keeping Harper healthy and happy. Thank you Embrace!
5
out of 5
POSTED: | BY: Bryan
Just started using Embrace
Just started using Embrace. Easy and straightforward. Cover a lot. Im out of the country and can easily submit a claim for my pup back home.
5
out of 5
POSTED: | BY: Roxanne Barnett
Never had a problem with company
Never had a problem with company. All my claims were approved within a couple of days. I've been with them for about two years now. They are also helpful on the phone as well.
1
out of 5
POSTED: | BY: Brianna Stuart
Repeated charges a year after cancellation.
In June of 2024 I cancelled my policy and moved to another company because my monthly nearly doubled with no warning. All seemed fine until April of 2025 when I was suddenly charged $93. Then I was charged $600+, then another $93, all within a month. I called in and they reversed the charges, but a couple days later I received an email telling me a charge for nearly $900 would go through on 6/15/2025!! It had better not... I've emailed them and all I've gotten back so far is an email asking how they did, so here I am, telling them.
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 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.