Embrace | Pet Insurance Review


out of 5

Number of reviews 14,026

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,026

Updated: January 02, 2024

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.

out of 5

POSTED: | BY: Maryellen Canuel

So easy

Submitting the claims through the app was so easy. And the updates provided were succinct and timely.

out of 5

POSTED: | BY: Keri Shepherd

Years of Great Coverage

I have two King Charles cavaliers that I insure with Embrace. I have had embrace for probably five or six years now. I never have any issues with them processing my claims quickly and efficiently. I would highly recommend embrace for anyone's pet insurance needs.

out of 5

POSTED: | BY: Sharon Gares

Embrace is the best insurance company…

Embrace is the best insurance company for Pets around, we have delt with others but with Embrace I feel we are always being treated fairly and with the best customer service.

out of 5

POSTED: | BY: Erika Lund

Successful claim process

After our lab ingested something that made her sick, Embrace was quick to process our claim and send us our portion of reimbursement. It was nice to have peace of mind that, even though our girl was sick, the vet bill wouldn't financially crush us thanks to Embrace.

out of 5

POSTED: | BY: Karen S.

I was guided through how much would be…

I was guided through how much would be reimbursed for the treatment and how much it would cost to add on to my plan.

Monthly Cost

$13 – $100, depending on your chosen plan.


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.


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.


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.

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