Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Jackie Patsouras

Wonderful customer service

Wonderful customer service. Always helpful and answers all questions. I have only good things to say about embrace and recommend people to use this pet Insurance company
5

out of 5

POSTED: | BY: Christopher Jones

Embrace's Claim's Process is Quick and…

Embrace's Claim's Process is Quick and Easy Today, July 7, 2025, I submitted about 12 claims, 6 each for our two puppies. These claims covered the six monthly wellness visits for our new puppies. It took me less than 20 minutes. This was fast. The website did not freeze one time. It had a convenient client link to drop my invoices. It did not ask for a lot of unnecessary information. It even remembered the diagnosis selections to save me time by not requiring me to scroll to the bottom to find "wellness." Right now, I am really loving Embrace. I hope they can pay our claims within, say, 3 - 5 days. If so, they have a life-long customer. I wish human medical claims reimbursement process were this easy. This is nice!
5

out of 5

POSTED: | BY: Janice Stimson

Easy filing

It was easier than I thought to file a claim. Your system allows for multiple pages to be uploaded at once.
5

out of 5

POSTED: | BY: ETK

I absolutely adore Embrace Pet…the absolute best!

I absolutely adore Embrace Pet insurance - they have been great through a lot of terrible situations. I highly recommend them. Claims are reviewed/approved quickly. There are no unnecessary denials, no need to fight for coverage. They were absolutely amazing when one of our pets passed, approved and reimbursed the claims very promptly and then after noticing euthanasia on the receipt, automatically took all the necessary steps to cancel her coverage, so we didn't pay anything unnecessarily. They also sent the sweetest emails and card after her passing. I would never use another insurance!
5

out of 5

POSTED: | BY: Molly

Embrace has helped us so much with our…

Embrace has helped us so much with our pup who has bad allergies. It has really saved us so much and it’s so easy to use and submit a claim.

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.

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