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 9.9 9.3 9.3
Count 52 469 9592

Embrace Pet Insurance

1
Out of 10
Posted: 01/16/2020
By:
Joe

My dog had Cushing's before I got the insurance, and had to have his gallbladder removed (I didn't try to claim that, pre-existing). Later he was hospitalized for diabetic ketoacidosis, and died 6 hours after his release. I put in a claim which took...

Injury/illness
Claim Amount
Breed

Miniature Poodle

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 01/15/2020
By:
Janice Rubin

The adjusters worked tirelessly to overturn a pre existing condition that was not really a condition at all. They reviewed all the vet’s info and letters and agreed that Hannah’s problem was not ever a medical or behavioral problem. Then they overturned...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 01/14/2020
By:
L. Smith

A high deductible policy from embrace is the best money you'll ever spend. There's nothing like the relief that comes when the e-clinic pushes a $3,000 estimate across the table and you only have to worry about $1,000 of it. Also remember, people who...

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.