5
out of 5
POSTED: | BY: Colette
Easy and fast to submit a wellness…
Easy and fast to submit a wellness claim.
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4.9
out of 5
Number of reviews 19,756
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: Rici Rutkoff
The only reason I’m not giving Embrace a 0…
The only reason I’m not giving Embrace 0 stars is because the sign up process was easy, and I was able to get only a 14 day delay after submitting my Vet’s exam before the orthopedic portion of the policy became active. My dog has no preexisting conditions nor did I submit any claims during the policy year. Then I get a renewal notice that my policy is going up over 50%. I’ve cancelled Embrace.
I’m updating my comment based on the Embrace reply. If I modify my coverage further, it’s definitely not worth having. The Embrace reply is the standard language all pet insurance companies give everyone. I’ve contacted the State of Maryland department that handles pet insurance in the past and was told they can’t do much to deny the rates as the paperwork these pet insurance companies submit to justify their rate and claim decisions is hard for the State to argue against. Not a lot of State resources to deal with pet insurance these days.
5
out of 5
POSTED: | BY: Teresa Brown
Extremely user friendly
Extremely user friendly. No problem sending the claim at all.
5
out of 5
POSTED: | BY: Cindy Hamilton
Embrace pet insurance gives me peace of…
Embrace pet insurance gives me peace of mind. I can take my Westie to the doctor and not pay an arm and a leg for medical bills. The process for submitting claims is user-friendly.
1
out of 5
POSTED: | BY: Marsha
Embrace is a scam
In January of 2024 I got Embrace pet insurance for my dog, after he had knee surgery on his left knee. The policy stated that there would be a 6-month waiting period before any orthopedic claims could be made. They requested and received in February of 2024 my vet records clearly showing he had knee surgery. In February of 2025 my dog required surgery on his right knee, it was over the 6-month waiting period, so I submitted the invoice. After 5 weeks they said it was a preexisting condition and sent a list of other issues that would not be covered. At no point in the year since they had his medical records did they send me a note that his left leg had anything to do with his right leg. I bought the insurance for peace of mind - they should have said once they got his records what they considered a preexisting condition. I would have shopped elsewhere for insurance.
This is not only poor business practice but fraudulent since they had the information about his left leg operation over a year ago.
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.