Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,221

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.
1

out of 5

POSTED: | BY: Marsha Laughter

Embrace is a scam

In January of 2024 I got Embrace pet insurance for my dog, after he had knee surgery on his left knee. The policy stated that there would be a 6-month waiting period before any orthopedic claims could be made. They requested and received in February of 2024 my vet records clearly showing he had knee surgery. In February of 2025 my dog required surgery on his right knee, it was over the 6-month waiting period, so I submitted the invoice. After 5 weeks they said it was a preexisting condition and sent a list of other issues that would not be covered. At no point in the year since they had his medical records did they send me a note that his left leg had anything to do with his right leg. I bought the insurance for peace of mind - they should have said once they got his records what they considered a preexisting condition. I would have shopped elsewhere for insurance. This is not only poor business practice but fraudulent since they had the information about his left leg operation over a year ago.
1

out of 5

POSTED: | BY: Stephanie Parr

Apparent Simplicity / Hidden Complexity

As easy as embrace is, it’s also extremely tough. I need to resubmit an invoice for a claim and have no way to do so except print the invoice (not convenient) and then take a photo of said invoice. Instead of uploading that file that’s already available to me b/c I only have the option to upload photos. I tried a screen grab and apparently that wasn’t clear enough. And that’s only on my phone. Because my laptop I don’t have access to my account at all. The website works fine until I login and then the screen goes blank. So what’s meant to be super easy is actually unnecessarily hard. Then I don’t have access to any customer service. I can’t talk to anyone but a bot that sends me the same resolution on repeat regardless of me saying it doesn’t work.
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5

out of 5

POSTED: | BY: John Hart

Filing a claim was simple

Filing a claim was simple. I had much anxiety around my dogs, illness, and I needed something that was simple.032125
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5

out of 5

POSTED: | BY: ARISSA MARQUEZ

great experiences

customer service is amazing! they are super helpful and 100% willing to go over everything to make sure you are on the same page!
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5

out of 5

POSTED: | BY: Scott Bracken

Really easy to work with this company

Really easy to work with this company. Claim process is a breeze.
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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 detail
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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