Embrace | Pet Insurance Review


out of 5

Pet Insurance Reviews: 10,231
Trustpilot Reviews: 1,584

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.4
  • 4.7
  • Count
  • 1
  • 28
  • 10,231
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: Kristin

Compassionate, Responsive, Easy to Work With

This company has been wonderful! They are easy to work with- emails are answered quickly and thoroughly, claims are paid very promptly, submitting a claim online is super easy. They were so compassionate when one of my dogs passed away and if I hadn't already spent all his allocated wellness costs, they would have covered part of his after care. I can't say enough great things about them

out of 5

POSTED: | BY: Christine Khan

Embrace is great

Embrace is very convenient to complete a claim and their response time is phenomenal! Thanks!

out of 5

POSTED: | BY: John O

Lousy customer service experience

Submitted a claim on 1/10. Received a message on 1/17 on the app that they reviewed my claim and that they requested medical info from Vet. I checked with vet on 1/20 and they had not received anything from Embrace. I sent email to Embrace on 1/24 asking when they sent it. On 1/28 I got a note saying they were going to have to request the info. I called Cust service on 1/30 and they said they didn’t send email request until 1/28 and it could take 30 days from receiving info from vet to settle the claim. I called vet on 1/30 and they still had not received the request from Embrace. The vet was going to call them. I’m very dissatisfied with what was a lousy customer service experience! We’ll see how long it actually takes to settle the claim! I expected much better!!

out of 5

POSTED: | BY: Margaret Hockaday

Best customer service

The representative was patient and quite helpful.

out of 5

POSTED: | BY: Anthony Silva

Nice an easy transaction

Nice an easy transaction. App works great and time to process seemed reasonable. Cheers

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

Coverage begins after 48 hours for accidents. A policy waiting period of 14 days applies for illness claims.


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.

Get a quote today

Leave a review