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 8.7 9.4 9.3
Count 21 333 10127

Embrace Pet Insurance Reviews

Out of 10
Posted: 03/03/2021

Embrace has been a godsend to me; my rottie has had joint issues-he is only 5 but a rescue- and they paid out over 4k in the first year!! I collect from them every year, unfortunately, but they are reasonable with what they cover. I only have the...

Claim Amount


Age of Pet
Under a year
Out of 10
Posted: 02/14/2021

Embrace has been nothing but wonderful to deal with! I've had insurance for my pet with Embrace for years and I'm always grateful that I made that choice. I never feel like I have to think twice about giving my dog the care he needs. Embrace is there...

Claim Amount

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Over 8 years
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.