5
out of 5
POSTED: | BY: Sergio Rivera
Once I submitted the requested…
Once I submitted the requested documents everything was good and quick
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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.
5
out of 5
POSTED: | BY: Tom Taylor
Our 5 yr Aussiedoodle01
Our 5 yr. old Aussiedoodle has had his share of claims and Embrace has been a lifesaver to us. We weren't sure if pet insurance was affordable or necessary, but it has proven to be both.
2
out of 5
POSTED: | BY: Jim Galvin
I attempted to stop autopay on thier…
I attempted to stop autopay on thier website because they raised my upcoming premium $2,442.48 in Feb 2026. I've been with them for over 5 years with 2 pets. The website would not allow me to do that. I called and was placed on hold for 20 minutes before deciding to hang up. I sent an email requesting a response with action taken to stop auto pay and remove my credit card information. No response so far.
2
out of 5
POSTED: | BY: Brandon Abbinante
Overly General Review of Medical History
Reviews of medical history are overly general and appear to be designed to exclude coverage for possible future claims in a broad fashion. The user should ensure that specificity is requested of the claims adjuster completing the review to ensure accuracy.
Claims are paid quickly though, so I'll give a second star.
3
out of 5
POSTED: | BY: Elizabeth Francis
Forever waiting
I have been waiting for a review of my submitted claim for almost 3 months. After I tracked down all the information Embrace requested to rule out a pre-existing condition, I continue to wait on their response. Don’t waste your time trying to reach a human on the phone. The wait is almost always over 1/2 hour and it could be more but I always end up hanging up. Additionally, the website always has glitches and redirects me to an unresponsive page. I’m not sure what’s going on with this company but I’m willing to wait and see how they respond to my claim.
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.