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 8.9 9.0 9.3
Count 17 172 10168

Embrace Pet Insurance Reviews

10
Out of 10
Recommended
Posted: 07/25/2021
By:
Carolyn
Green

My dog suddenly began acting odd and hanging her head low. No visible injury nor was she doing anything that could have resulted Iin a slipped disc other than being spooked on a nature walk and turning her head quickly and sharply.2 visits to emergency...

Injury/illness
Claim Amount
Breed

Beagle

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/17/2021
By:
Pam
Hawk

The coverage has been wonderful with my golden who has epilepsy.am so glad I have this insurance on both of mine. Quick and easy to work with.

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 07/14/2021
By:
Eva
Andrews

Embrace offered excellent rates and their wellness program is a real help with maintenance. My dog, Sam, had to be euthanized this year and Embrace covered the cost. My dog Bip, needed dental work and Embrace covered that. Barney, a standard poodle...

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 07/10/2021
By:
Vince
Rosse

Unfortunately, our little girl had allergies when we picked her up and Embrace was quick to help us through the issues. The processing of my claims have been quick and they were available for any questions I had. I would highly recommend them for...

Injury/illness
Claim Amount
Breed

Labrador Retriever (Yellow)

Age of Pet
Under a year
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.