Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: John Wise

Never covered anything

Never covered anything. They stated an acute case of pneumonia from aspiration was a preexisting condition. Had 4 legitimate claiams all denied.
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5

out of 5

POSTED: | BY: Caden Davis

Easy invoice submitting.

Easy invoice submitting.
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5

out of 5

POSTED: | BY: Angela King

Just made my first claim

Just made my first claim. It was quick and easy to submit.
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5

out of 5

POSTED: | BY: Washington

It is very easy to submit claims…

It is very easy to submit claims on-line.
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5

out of 5

POSTED: | BY: Susan

I am amazed at how quickly Embrace paid…

I am amazed at how quickly Embrace paid my claims. Today I submitted about 12 claims from 2024 and 2025. They have already approved and paid 6 of them. At this rate they may pay all of them today. Every time I have called, the staff have been professional and so helpful. I am so pleased with Embrace.
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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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