Embrace | Pet Insurance Review


out of 5

Number of reviews 12,399

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 18
  • 12,399
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: Beverly Talley

Very efficient

Very efficient

out of 5

POSTED: | BY: Christine Scherry

Easy online claim submission

Easy online claim submission, fast processing, fast payment.

out of 5

POSTED: | BY: Jenny Smith

Very reasonably priced and very…

Very reasonably priced and very efficient return time for insurance claims. Highly recommend to friends and family.

out of 5

POSTED: | BY: User

2nd dog I’ve insured…first with…

2nd dog I’ve insured…first with Embrace. They denied a preventative dental cleaning because she has “some” tartar and a luxating patella (loose knee/hip joints). They said those “pre-existing conditions” meant she wasn’t covered for the preventative teeth cleaning. I disputed the relevance of hip joints to teeth and even “some” tartar. Her joints have nothing to do with her teeth. Some Tartar is found on every dog bar none. They they said I filed the claim with the wrong part of the company? I said…I filed a claim…your job is to make sure it gets to the proper people in the company. Rather than argue, I cancelled as the whole reason for denial was absurd. I cancelled and will go with someone else.

out of 5

POSTED: | BY: CGarcia

Best Service Hands-Down

I've had Embrace Pet Insurance since I adopted my Jack Russell Terror (I mean Terrier) mix and their services have always been top-notch. I have recommended Embrace to all my friends with pets.

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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