Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Yungmoon Chang

Wonderful peace of mind!

I had an extremely stressful few days after my vacuum cleaner dog got into some things he should not have. I felt so relieved to be able to seek care for him without the added stress of weighing the cost of medical care against his likely outcome. And best yet - submitting the expenses was easy, fast, fair, and a relief to receive.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Daryl McIlwain

Easy Peezy

Easy Peezy. Easy to file, customer support is terrific.
Read more on Trustpilot
5

out of 5

POSTED: | BY: April Conaway

I love Embrace

I love Embrace; they are free and hassle-free.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jim

Embrace Modernizes Claims

Embrace continues to make the claim process more user friendly. Even us older folks can navigate it without any problems. The direct deposit really brought it into the 21st Century!!!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Sheena Perez

Exceeded My Expectations

Embrace has exceeded my expectations on coverage for my pets. Both 2024 and the start of 2025 have been extremely difficult for one of my pets with Laryngeal Paralysis, and several complications from tie-back surgery. Each time I've submitted a claim, I'm amazed and appreciative at the ease and timing of the process as a whole. Thank you, Embrace!
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review