Embrace | Pet Insurance Review


out of 5

Number of reviews 14,035

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,035

Updated: April 16, 2024

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

POSTED: | BY: Katherine

I forget how easy the application…

I forget how easy the application works. But just a quick call and my problems were fixed. My bad.

out of 5


I appreciated the kindness

I appreciated the kindness, patience and knowledge of the product by the representative who helped me. I have used Embrace for my kitties in the past, and it gives me peace of mind to now have my kitten insured.

out of 5

POSTED: | BY: Luke Esposito

Some frustration

I was disappointed to hear that a phone call confirmation of coverage could not be provided before an appointment I had for my dog. I was also frustrated to learn that pre-existing conditions are not covered by this company. I thought we were maturing as a society and moving past those types of restrictions. We still pay every month; why not cover our requirements?

out of 5

POSTED: | BY: Barney Jones

One phone is all it took

One phone is all it took. Customer Representative and Billing Representative were kind and professional. My issue was taken care of immediately and monies deposited to my account the next day.

out of 5

POSTED: | BY: Gilmar Barrios

I had my doubts as I usually don’t…

I had my doubts as I usually don’t trust shady insurance companies. But embrace really pulled through for me in my time of need with my dog, I ABSOLUTELY recommend them !!!

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

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.


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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