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.
It was at least a 4-star prior to actually needing them for larger issues.
My corgi is 7, has been at a healthy weight and diet her whole life. No hereditary issues. Biggest concern we went to the vet for was a sprained knee a couple years back and a root canal from a tooth fracture a while ago (this was a result of chewing of those nylabones which have been banned from our house since). Everything else was routine.
We moved states so I called to update our address. My premium actually dropped by almost half which was awesome. Two weeks later they DOUBLED it from there at the policy renewal. I called to ask for an itemization of costs being factored and was denied that information.
They gave me the BS excuse it's inflation and rising vet costs and area etc... so in 14 DAYS inflation and vet costs doubled?...
A couple months later end of 2025, we go in for a cleaning and find she needs extractions due to some crowding and decay. I've done more for her dental care than most dog owners I talk to. Embrace tried to deny me under it being 'preexisting' because of tartar notes from January 2022... I had to do their job, going back and forth for a month, calling the original clinic of the root canal because they tried to bypass notes from care done July 2023 that showed a cleaning was done, therefore this was not preexisting. They finally paid out.
Around that time, corgi also had a spat of mobility issues. Not IVDD, nothing else crazy. Just wear and tear and a little arthritis. I was told on a call we had six PT visits covered. That's it.
Tried to submit claims for two PT visits. They were denied. Turns out, even though the therapist is a licensed animal specialist PT, because she herself is not a licensed vet nor does she work in a clinic being shadowed on her appointments by a licensed vet, the claim was denied. That caveat was never disclosed to me. Even with a valid referral from a licensed vet (we're not out here doing this for fun) it doesnt matter.
They find every reason they can to not pay. If I had known they would be so disappointing to work with, I would have been looking to change carriers before my corgi became a senior, and either paid a little bit more or just been done with insurance altogether. No better than health insurance for people.
For major issues that don't fall into loopholes, I'm sure it's cheaper than paying out of pocket overall. The what-if is what kept me. But it still feels like wasted money and resources I'd prefer not to spend.
I'm concerned that if I switch carriers now, she WILL have things considered pre-existing which will make it more expensive.
Bottom-line: ask harder questions, read fine-print (which I did for the dental work and they still tried to pull a fast one or were just incompetent), evaluate if you can do without, or pick a different carrier for a little bit more.
Embrace Pet Insurance have covered my two sphynx since 2015 and I have been overall pleased with their service and the value for the costs. They have even been able to work with me when work required my extended stays overseas and my cats needed to be seen by veterinarians outside of the USA.
My one recommendation for them to improve upon their service is to mirror the prohibition of holding Pre-existing conditions as against pets the way that human health insurance no longer is allowed to do that. Would make getting an older rescue pet much less risky. Especially if I wanted to take on a foster pup.
Very disappointing experience with Embrace Pet Insurance.
My cat was attacked by another cat inside my home and needed veterinary treatment. I filed a claim expecting the company to review the situation and process it under accidental injury coverage. Instead of investigating the incident, the claim was effectively denied based on an unrelated veterinary note from over a year ago stating that my cat required sedation during a vet visit.
Anyone who has owned a cat knows that sedation at the veterinarian is extremely common and does not mean the animal has a chronic aggression problem. Despite this, the company classified my cat as having a permanent “aggression” exclusion and used that as a basis to avoid covering injuries from a fight.
What is most concerning is that there appears to have been no investigation into the actual incident. The decision seems to have been made solely based on a selective interpretation of historical records rather than the facts of what happened.
Pet insurance should provide peace of mind when unexpected accidents occur. In my case, the claims process felt more focused on finding technical grounds to deny coverage than on fairly evaluating the claim.
I hope the company improves its claims review practices so other pet owners do not experience the same issue.
March 26, 2026 Update.
I wanted to share an update regarding my experience with Embrace Pet Insurance.
Initially, my claim was denied based on an “aggression” exclusion, which I believed did not accurately reflect my pet’s condition. After carefully reviewing the decision, I submitted an appeal explaining that the issue was related to anxiety rather than aggression.
I am pleased to say that Embrace reviewed the appeal and ultimately overturned the aggression exclusion, recognizing the condition as veterinary-specific anxiety. I appreciate that the company took the time to reconsider the case.
While the initial denial was frustrating, the appeal process worked, and the outcome shows that Embrace is willing to review cases.
Overall, I am grateful that the matter was resolved fairly after the appeal and that the correct medical interpretation of my pet’s condition was recognized.
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.
