Embrace | Pet Insurance Review


out of 10

10222 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 7.7
  • 9.3
  • Count
  • 3
  • 80
  • 10222
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 10

POSTED: | BY: Katherine Winningham


Something has gone entirely wrong with this company. Have had ups and downs over the years but had been fairly happy until the last year. Just a nightmare. Any excuse not to process anything, cover anything or pay is used. Avoid like the plague.

out of 10

POSTED: | BY: Judy Miller

Phenomenal customer service and easy claim process!

Embrace just made the claims process so easy! Last year my dog was very sick and had to be transported to OSU in the middle of the night. My claims reached the limit. I thought for sure they would not renew us… but they did. Best decision I ever made!

out of 10

POSTED: | BY: Rylee Foster

Viral infection needing coverage

Our dog got a viral skin condition that needed to be removed. Because he has sensitive skin and has contact allergies our vets note itchy paws and such. This condition is completely different and in need of being removed almost 8 months to over a year later, completely unrelated. . No coverage.

out of 10

POSTED: | BY: Promit Roy

Not worth the money or the trouble

My dog passed away suddenly from an undetected cancer. Embrace denied all of our claims as pre-existing conditions, saying that previous illnesses were evidence. This is despite our own vet's comments to the contrary. The claims process took two months as we went back and forth with Embrace digging through every last health record from anywhere she had been seen. This is a company that will work hard to find a denial reason for any large claim.

out of 10

POSTED: | BY: Shannon Cauthen

SCAM>>>> SCAM>>>>SCAM>>>>

Paid for the top coverage....$104 per month. Never filed since signing up...just paid. Had my dog develop a hormone problem. Will not cover it because they are saying it's dermatitis. She is on medication for a hormone imbalance...but I can dispute it. They will DENIGH EVERYTHING AND MAKE YOU WORK FOR YOUR PAID COVERAGE!!!! GARBAGE COMPANY! Must be others, perhaps a class action suit is necessary.

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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