Embrace | Pet Insurance Review

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 Snow-Linda

The Claim Process Was A Breeze

The claim process was a breeze! I was guided though out the input and upload process. The app is VERY user friendly. With two pups, I appreciate that as I don't often need to fill out claim forms for urgent care issues. The easy claims process gets my claims in the system and going fast. THANK YOU!
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5

out of 5

POSTED: | BY: Judy Paolini

Would not go without it!

We've been ensuring our cats with Embrace for 15 years and have nothing but good experiences. We tend to adopt cats with multiple health problems so we never hesitate to get them the care they need. Our claims are processed within a day or two, and reimbursement just a day or so later. At one point we calculated that the benefits we received from Embrace were six times what we paid in premiums. This latest incident was a potential emergency which turned out fine and Embrace came through as quickly and efficiently as ever.
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5

out of 5

POSTED: | BY: Donna Perez

The customer service is great

The customer service is great, they have reimbursed me quickly which is very helpful. No problems getting pre-approval for specialized care, the pre-approval wasnt needed but I needed to make sure for my own peace of mind. Highly recommend them.
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3

out of 5

POSTED: | BY: Joan McMillan Witte

Fast payment; slow & unreliable website

Embrace Pet Insurance pays my claims reallyt fast. My complaint is with the website--it is very slow and crashes. I end up unable to file claims and have to try some time later. Then it's slow again. It happened 12 May 25 and then 20 May 2025
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5

out of 5

POSTED: | BY: Robert Moldovan

It was easy to file a claim.

It was easy to file a claim.
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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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