Embrace | Pet Insurance Review


out of 5

Pet Insurance Reviews: 10,231
Trustpilot Reviews: 1,584

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.4
  • 4.7
  • Count
  • 1
  • 28
  • 10,231
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: lavenia hughto

Very easy to fill out claim

Very easy to fill out claim. I can review more after claim is reviewed and paid…

out of 5

POSTED: | BY: Jeanne Brantley


Fabulous! I had pet insurance elsewhere and it was bad! Embrace is amazing! I cannot express properly just how amazing! I had to put my dog down, and I filed a claim for his last ER visit. Embrace saw on the records I sent in that there were visits I did not file claims on, they sent me checks for those as well. They also sent a sympathy card that you soak in water and then you plant it in remembrance of your pet a flower/plant grows. Very kind!

out of 5

POSTED: | BY: Paula

I purchased this insurance over two…

I purchased this insurance over two years ago. Last month was the first time I used the insurance because my cat was vomiting. The Vet send her home with medication ,she thought it was a simple stomach flu. I send all the receipts to Embrace and the doctor notes I received. It took over a month for me to receive a response from them because I follow up to see the status of my claim . I finally receive an email from an adjuster/ claimer reviewer saying that basically they were denying the claim because is vomiting is a “pre-existing condition” since they look at the doctor notes before I purchase the policy it was a record she vomited a year prior from me buying the policy. “Since when vomiting is a pre-, existing condition instead of a symptom. “They were only going to give me back around $150 because my deductible is 100 and they denied my claim so I canceled them think it’s insane !! so what is the point of having an insurance if they can’t cover something so simple ??. So basically your cat can only vomit once otherwise is a problem. I will not recommend this insurance company to no one, what a rip off.

out of 5

POSTED: | BY: Todd G

Very easy user interface & company is…

Very easy user interface & company is easy to work with. The downside with any pet insurance is that they don't cover a whole lot, but this is not Embrace's fault, it's the industry's.

out of 5

POSTED: | BY: Ben Perez

Easy peasy!

Easy peasy!! No complicated forms, just upload an invoice and submit. Couldn't ask for an easier claims process. Thank you Embrace!

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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