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 9.7 9.5 9.3
Count 71 397 10002

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 07/31/2020
By:
Samantha Berrios

Super easy and convenient

Injury/illness
Claim Amount
Breed

Border Collie

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/31/2020
By:
Amy Gearhart

I didn’t know if I should get pet insurance for my new puppy or not. I decided to get insurance as well as a wellness plan. I am so glad I did. Filing claims is easy, and customer service is flawless. Don’t hesitate to select Embrace if you are...

Injury/illness
Claim Amount
Breed

Poodle

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 07/28/2020
By:
Rosemary Roberts

One of our cats is older and we have tried two other companies during her 16 years with us. Pet Embrace has given us the best service as well as the easiest-to-understand coverage. It's easy to reach a knowledgeable Embracer by phone, and claims have...

Injury/illness
Claim Amount
Breed

American Shorthair

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 07/28/2020
By:
Deborah Michelle

Due to the 4th of July chaos, my puppy ate rocks. It took 24 hours of testing to be sure all rocks were thrown up. That cost 1000 dollars. Thanks to my pet insurance through Nationwide, I only paid 23 dollars. I'm extremely grateful for the assistance.

Injury/illness
Claim Amount
Breed

Mixed Breed

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.