Embrace | Pet Insurance Review


out of 5

Number of reviews 10,253

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 3.0
  • 4.9
  • Count
  • 4
  • 23
  • 10,253

Updated: November 13, 2023

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: Lillian

Worth Every Penny!!

Reasonably priced; excellent benefits, simple and easy claim process; fast reimbursements

out of 5

POSTED: | BY: A. Martinez

Once I reached deductible and copay I…

Once I reached deductible and copay I received my reimbursement pretty quickly!

out of 5

POSTED: | BY: Bella

You definitely feel embraced

The agents are so caring and compassionate. They really care about your fur babies. They follow up and ask how are they doing and you feel remembered. I only trust my kitties with embrace because they are a warm hug. I’ve been embraced I’m a believer lol

out of 5

POSTED: | BY: F Adler (Phantom)

I have been very pleased with Embrace

I have been very pleased with Embrace. They live up to their contract, are prompt with claim reimbursements and are nice people to work with. I've had pet insurance before which was a disaster. Embrace is excellent and I highly recommend the company.

out of 5


Really bad

Really bad. They sat on claims for 10 months, denied having received vet records multiple times. Customer Service indicated that there might be addition pre existing conditions for which they would have to deny coverage. Someone needs to help them understand what pre-existing means. Claims adjusters were just a mess. Manager of claims adjusters was douchey. Collectively they were just not honest or ethical. Finally I ran out of patience, took them to task about it all and in one afternoon they cleared 11 claims and reimbursed a couple of thousand dollars. If I had not escalated to the head of underwriting. I’d still be waiting for payment. Not a good company. Get your insurance somewhere else.

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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