Embrace | Pet Insurance Review


out of 5

Number of reviews 12,976

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.7
  • 3.0
  • 4.9
  • Count
  • 6
  • 23
  • 12,976
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: Diane Milia

Easy to manage paperwork.

Easy to manage paperwork.

out of 5

POSTED: | BY: David Kampf

Ease of submittal.

Ease of submittal.

out of 5

POSTED: | BY: Christian James

ZERO help from this provider

ZERO help from this provider. Look elsewhere. They screwed my claim and coverage up so bad I was supposed to be getting all of my monthly payments refunded. That never happened and they are still charging me! I canceled my plan so.... WHAT THE HELL. On top of that, you sit on hold for 30 mins or more, without fail, regardless of when you call. Hold message says "manage everything from our website". you can't even make changes to your plan on the website AND they don't message you back if you use the live help option.

out of 5

POSTED: | BY: Rachel S

I've had Embrace for almost 5 years and…

I've had Embrace for almost 5 years and finally had to use it. The processes couldn't have been any easier. I went to their website and uploaded the vet bills from an emergency service with my pup. They processed my claim in about a week and sent me a check. I couldn't be happier not having to worry about providing my pup with the best care due to expensive vet bills. I got Embrace to help with emergency situations and that's exactly what they did.

out of 5

POSTED: | BY: John P.

Best decision we made for coverage.

We have had Embrace Insurance since 7/2021 when we brought our puppy home. I have not experienced any issues with claims to this point. Any time I called I spoke with a knowledgable agent and had all my questions answered. I have received reimbursements in exceptionally fast times. As with any policy it is ultimately the owners responsibility to completely understand their purchase. Be certain to compare apples to apples when researching any other company. In my opinion Embrace gave me the best coverage for the money spent with options to personalize the plan.

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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