Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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.
4

out of 5

POSTED: | BY: Pamela Barrs

Year 2024 was my beginning with Embrace

Overall they were pretty good. I'm not computer literate so had some trouble figuring out how to send the claims. Ended up mailing them. Communication was good. I got reimbursed for most of my claims. Only one I had trouble with was the claim for the ER visit. Only complaint I have is the first year my premium was a little over $300 THIS YEAR it's over 1600 plus. I haven't turned in any claims for 2025. I was not happy and don't understand why, Hope it goes well this year.
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5

out of 5

POSTED: | BY: Aaron Chung

Fantastic Service

Embrace Pet Insurance has been an absolute lifesaver! Their customer service is top-notch—every interaction is friendly, professional, and genuinely helpful. The claims process is speedy and hassle-free, with quick reimbursements and no unnecessary delays. Having Embrace Pet Insurance gives me peace of mind, knowing my fur babies are covered by a company that genuinely cares. Embrace is the way to go if you want reliable coverage with excellent service!
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5

out of 5

POSTED: | BY: Bicar

Dog cancer treatment and coverage

My dog has cancer and has required diagnosis, CT scan, amputation, chemotherapy, etc. I submitted a claim for each visit. The claim consisted of the vet bill and a very brief explanation (usually one sentence). I've yet to speak to a person. The reimbursement shows up in my bank account within a day or two. I don't think the process could be easier and I am completely satisfied with Embrace. I will ensure any future pets with them.
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1

out of 5

POSTED: | BY: Kathy Haarer

Generally happy with this insurance

Generally happy with this insurance. However they offer a dental allowance of $1000. Nowhere does it say that the deductible has to be met before being reimbursed for dental. It appears as a separate allowance on the policy. Had my dogs dental done last month expecting to be reimbursed the 1000 only to be told that the deductible had to be met first. The deductible is as much as the procedure. So what is the point of offering dental? If you have an otherwise healthy pet and don’t meet the deductible you won’t get the dental allowance. Very misleading and frustrating 😡
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5

out of 5

POSTED: | BY: Stephanie Clark

Extremely prompt and helpful!

I have a 2 year old pup and have found the customer service representatives at Embrace to be extremely helpful and pleasant, Assistance is readily available when you need them. Reimbursements are extremely fast as well. I am grateful for Embrace pet insurance.
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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 detail
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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