Embrace | Pet Insurance Review


out of 5

Number of reviews 10,253

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 3.0
  • 4.9
  • Count
  • 4
  • 23
  • 10,253

Updated: November 13, 2023

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 5


We had to make a claim one month after…

We had to make a claim one month after we got coverage. My puppy swallowed a large stone which required emergency surgery. Expensive bill & Embrace reimbursed us quickly! We’re so impressed with the service!

out of 5


Responsive service but expensive

I tried trazedone one time to see if it would work for my dog’s fireworks anxiety, as many dogs have. Because it was listed in the medical records, the initial review noted that she was ‘anxious’. Other than loud noises, she is the sweetest and most calmest dog! My second year premium increased by 53% and the following year by 38%. When questioned about this, none of the reasons they offered, including blaming the state department of insurance, can justify over a 100% increase in two years! To be fair the claims process is quick and user friendly. Response times are reasonable and the staff is very professional and considerate.

out of 5

POSTED: | BY: Pamela McPherson

It was very easy to submit my claim

It was very easy to submit my claim, now waiting to see how long before the money is sent.

out of 5

POSTED: | BY: Jennifer Bittner

No issues with company

No issues with company. Direct deposit is awesome

out of 5

POSTED: | BY: Rebecca Drew

Easy claim process

Easy claim process

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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