5
out of 5
POSTED: | BY: Washington
It is very easy to submit claims…
It is very easy to submit claims on-line.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,930
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.
5
out of 5
POSTED: | BY: Susan
I am amazed at how quickly Embrace paid…
I am amazed at how quickly Embrace paid my claims. Today I submitted about 12 claims from 2024 and 2025.
They have already approved and paid 6 of them. At this rate they may pay all of them today.
Every time I have called, the staff have been professional and so helpful.
I am so pleased with Embrace.
5
out of 5
POSTED: | BY: Clare Sullivan
Excellent!
Embrace has been an amazing service. I’ve had one emergency service and the follow up for issues with my bully-mix. The reimbursement has been very clear and quick upon my submission of the invoice. The best insurance I’ve encountered.
5
out of 5
POSTED: | BY: Barb Huffstutler
Great experiences with Embrace
We have had Embrace Pet Insurance for 2 years. They have quickly and correctly processed all of our claims so far. It’s been super easy to file the claims on the app. Also, customer service has been outstanding! Will be making a claim for my dog’s knee surgery in the near future.
5
out of 5
POSTED: | BY: Barbara Pauly
This was the first time I submitted a…
This was the first time I submitted a claim. Had a little difficulty on line but when I called the representative was very helpful and pleasant. She walked me through it and the claim was submitted without a problem.
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.