5
out of 5
POSTED: | BY: Jennifer Morgan
Really exceptional customer service…
Really exceptional customer service every single time
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4.9
out of 5
Number of reviews 19,749
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: Linda LaRosa Silva
I have this policy for my two dogs…
I have this policy for my two dogs since they were puppies for four years. One dog named Finn had a hole in his face in his cheek and we were trying to treat it with antibiotics for over a year finally in September 2025 he had to have surgery because he had an abscess that was from a tooth And two teeth had to be removed and he was given antibiotics and a few other medicines to clear the hole in his face. When I submitted the claim, they said it wasn't covered because it's routine dental work cleaning the teeth. No he didn't have routine dental work. He had a hole in his face from an abscess and the bill was $386.70 and they refused to pay it. I even went back a second time to the vet to have him send the notes besides an itemized bill saying that it was an abscess and what had to be done. They close the case and said it was cosmetic or wellness. No it wasn't so after two months fighting with them back-and-forth. I called again on December 17 and said that I wanted to cancel the policy because they did not pay a $300 claim when I already paid over $5000 in premiums. The man on the phone said that he would have the adjuster whose name was Reagan reach back out to the vet and talk to them and try to get the claim covered. Well, now it's January 7 And nothing was done so today I called and canceled the insurance. I wouldn't recommend them to anybody.
5
out of 5
POSTED: | BY: Ronald Smith
Fair
Originally I have problem with my claim. After talking with them, it turned out to be a miscommunication and the claim was settled. Fair people, willing to listen. Recommend
5
out of 5
POSTED: | BY: April Kempton
Embrace Pet Insurance is amazing!
Embrace Pet Insurance is amazing for many reasons, especially their customer service! Thank you for helping me figure things out, and thank you for insuring my kitty cat!
5
out of 5
POSTED: | BY: Anthony Parrott
The process was simple and fast
The process was simple and fast. I appreciate the simplicity and the quick turnaround in receiving payment. I can’t say enough good things about Embrace and my experience during my time of need. Thank you!
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.