5
out of 5
POSTED: | BY: MCNIERNEY/PATRICK ALBERT
Embrace makes giving the best care to…
Embrace makes giving the best care to my fur babies easy!
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4.9
out of 5
Number of reviews 20,319
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.
5
out of 5
POSTED: | BY: Kara Robertson
Excellent!
So far, amazing! Communication has been great and the sing up process is simple and straight forward. You know upfront what you're going to get! Additionally, submitting a claim is so easy anyone could do it. I was really worried that I'd be overwhelmed and not understand how to do anything to benefit from pet insurace but that hasn't been the case at all!
4
out of 5
POSTED: | BY: Willie Teacher
The app was constantly freezing
The app was constantly freezing. I went to the website, and there was no issue.
2
out of 5
POSTED: | BY: Jordann
stop asking me to leave a review after…
stop asking me to leave a review after EVERY SINGLE SUBMITTED CLAIM
1
out of 5
POSTED: | BY: Jackie Shreves
disappointment
I filed a claim on August 23, 2025-to date have heard NOTHING except more information was needed about 3 weeks after original claim submitted and after i had to make an inquiry as to status of claim. Information was sent and i have heard nothing so probably canceling
shame
Monthly Cost
$13 – $100, depending on your chosen plan.
Coverage
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.
Deductible
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.
Exclusions
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.