Embrace | Pet Insurance Review


out of 10

10222 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 7.7
  • 9.3
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  • 10222
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 10

POSTED: | BY: Cammie H

Couldn't be happier

Embrace has been absolutely wonderful. We have 4 pets (2 cats/2 dogs). Embrace has covered everything from pets UTI's to surgeries. Claims submission is easy and processed quickly. We highly recommend them!!!

out of 10


Denies All Claims For All the Excuses

Everything looks good on paper and all the pretty ads and probably fake reviews and support that they get. I bought the most expensive insurance plan they had. Embrace Pet Insurance has denied 6 out of 7 of my claims to date. They claim "pre-existing" conditions for everything and find ways to link things together to make them all related. Obviously a pets body parts are all connected. Even after my Vet wrote to them a full statement saying that my pet did not have this pre-existing condition, they still denied my claims. This is the usual fraudulent insurance practice to deny as many claims as possible and keep collecting premiums. I recommend you take your business elsewhere unless you want to try to fight claims all the time. Their Director of Underwriting and Claims carries a bachelors in biology and was a claim adjuster for a year before taking on the role per her LinkedIn. Thats your professional claims leader. I can no longer claim my dogs issues now that he really has a pre-existing condition. Good luck if you want to try them and take this risk.

out of 10

POSTED: | BY: Steve Gershman

Excellent Customer Service! The Best!

Simply the best, great customer service! Claims are handled quickly and are accurate with reimbursement! Highly Recommend!

out of 10

POSTED: | BY: Elise Barrett

Embraces is the best pet insurance available.

My vet said that Embrace was probably the best pet insurance he has ever seen, and after being with Embrace for over two years now, I couldn't agree more. I take my dog to the vet for his annual checkup and then submit my receipt to Embrace for the Wellness plan and within 5-7 days, the money was in my bank account. This is the norm with these folks, as they truly get it right. I have both the Wellness plan and the regular insurance for accidents and illness, and again, they are simply wonderful. I would highly recommend this insurance, and it's reasonably priced!

out of 10

POSTED: | BY: Nancy B


Embrace Ins is the best one to get,Embracers work hard to get all your ⁵problems solved,all Embraces are great,knowledgeable, understanding,and resloves the pronlem with your claim.

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.

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