Embrace | Pet Insurance Review


out of 10

10222 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 7.7
  • 9.3
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  • 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: Mike Mitsock

Everything is a pre-existing condition

We adopted a dog in February, 2021. Since he was transported from down South with a van full of dogs, he developed kennel cough that needed to be treated shortly after he arrived. He fully recovered from that with antibiotics. That was the start of our issues with Embrace. He developed another cough, with no close contact with other dogs, several months later. This was determined to be a "pre-existing condition", apparently simply because it was respiratory, and even though the earlier cough had completely cleared up and he had been healthy for months. Our most recent interaction with Embrace was the topper. He was diagnosed with heartworm, and you guessed it, the claim was rejected as a pre-existing condition, even though I see no connection between respiratory infections that have been cured and newly-diagnosed heartworm, and neither does out vet. Apparently, everything is now a pre-existing condition in Embrace's eyes. I don't see what the point is in pet insurance if nothing, even things that are seemingly unrelated, aren't covered. It may make more sense to cancel the policy, save the premiums, and pay out of pocket, since that's what we're doing anyway.

out of 10

POSTED: | BY: Alessandra Alsip

Glad we had our Emma insured with Embrace

We are Embrace customers since 2016 and never needed to file a claim. The last day of October our Emma injured herself and we took her to the vet. She is now recovering and she is doing much better. We file the claim and got the reimbursement right away. I was very impress but the kindness of Carly who asked me first thing first how Emma was doing even before she asked me to send the invoices. We have four pets insured by Embrace.

out of 10

POSTED: | BY: Lynda Burton Vilhauer

Couldn't Get any Easier!

I decided to invest in pet insurance when I was sitting in the waiting room of the emergency Vet. I looked through the leaflets they had on Pet Insurance companies and when I got home researched all of them on the internet. It took a long time but I finally decided Embrace was the best overall. Not only did I like the way they operate and their prices, they have a wonderful Wellness plan. My dog sees her Vet regularly and is up to date on her vaccinations and all Heartworm and flea prevention. That can be expensive and having a Wellness plan has helped me tremendously. Embrace is extremely quick to process a claim and send a check or explain why it might not be covered. Plus, now all claims can be submitted online so the whole process is very simple and quick. The people working at Embrace are very helpful and caring. I have been with them for six or seven years now and would never switch. Why? Because they are simply the best!

out of 10

POSTED: | BY: e r

Scam insurance-makes everything "pre-existing"

This is a total scam company. I just received an email that my claims on my cat will NOT be covered. They said that he had diarrhea over a year prior to getting the policy, so any illness he gets will not be covered. He ate a lizard and got diarrhea!!! So because I wanted to make sure that a living creature would be okay, this company punishes people and lies to them and says that everything will be considered "pre-existing." Do NOT get this insurance. Total scam!

out of 10

POSTED: | BY: Lori Mallardi


Do not use Embrace!! We got Howie his policy when he was under a year old. He was taken to a vet school to be neutered, gastropexy and repair of an umbilical hernia. While he was under sedation his hips were x rayed. The report states that there are no signs of hip dysplasia. In eight years we have never filed a claim for his hips. On October 1 2021 he was diagnosed with osteoarthritis. Embrace denied the claim. We appealed the decision along with documentation from our vet that it was due to age and he has nothing in his records concerning hip dysplasia. The appeal was denied. I called and asked to speak with someone and was told no one was available. We have paid approximately $16,000 for this policy and now that he is getting older they deny a claim. I cancelled immediately. They will gladly take your money and then deny claims as your dog ages.

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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