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. 

Average customer rating

9.3 Out of 10
60 Days 1 Year Lifetime
Rating 9.1 9.3 9.3
Count 59 649 9457

Embrace Pet Insurance

1
Out of 10
Posted: 07/19/2019
By:
Brooke

We got Embrace to help with my dog’s anxiety that he’s been dealing with his whole life. Before we went to a vet, we tried many trainers to help with this, and once we decided to go to a Behavioral Vet we decided to Embrace since it states they cover...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/17/2019
By:
Lilly

Ruby has been very healthy. She suddenly developed symptoms that couldn't wait for the vet, and we took her to an emergency clinic. It was a good thing we did. It was relief to know we had pet insurance. Now, I am very relieved that we had Embrace. Their...

Injury/illness
Claim Amount
Breed

Rottweiler

Age of Pet
Over 8 years
6
Out of 10
Posted: 07/17/2019
By:
Andrea Fletcher

After a freak accident at the dog park my dog was limping badly. I rushed her to the vet to check if anything was broken. This has never happened before and my dog has never limped in the almost 2 years I’ve had her as well as a plan. I’ve been with...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
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

Coverage begins after 48 hours for accidents. A policy waiting period of 14 days applies for illness claims.

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.