Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Robin

Embrace is AMAZING

We have had Embrace for our cat for 7 years and it has been AMAZING! Our cat has IBD and they have paid 90% of every test, medication, office visit, ect...Never had a denial or an issue. So easy to submit claims and back in our bank account within 1-2 days!
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5

out of 5

POSTED: | BY: Marion

Very easy to submit a claim.

Very easy to submit a claim.
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5

out of 5

POSTED: | BY: Kasia Helbin Travis

Excellent process

Nothing can be easier than submitting a claim with Embrace! And, the processing of claims is super fast, with responsive, well-informed staff. Thank you for the piece of mind you give me, Embrace!
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5

out of 5

POSTED: | BY: Glenn Macklem

Filing a claim.…

The site to file a claim is very easy to use.
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5

out of 5

POSTED: | BY: Kgirl

We appreciate (embrace even) Embrace pet insurance!!

The first claim did take almost 3 months to process, but I had seen reviews discussing that so it was no surprise. Every customer service person I spoke with during the process was very nice and helpful!! The claims adjuster was also very nice and helpful. The only negative really other than the wait time was that some of the information was confusing and some seemed to contradict others, but our claims were covered as expected so I have no complaints about them!! My husband and I are very thankful for Embrace in helping us afford to get our baby the care he needed to survive and thrive after the most medically difficult time in his life he has had and hopefully ever has!! Update 5/7/25 - I increased my star rating because other questions have come up and the representatives and adjusters have continued to be very kind, helpful, and personable!! It is obvious that they really do take time with each claim to understand it thoroughly and don’t just use AI or something to look for key words. I would definitely recommend Embrace pet insurance. Yes it takes a long time for the first claim, but that is because of how they are trying to understand each case!
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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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