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.

Average customer rating

9.3 Out of 10
60 Days 1 Year Lifetime
Rating 9.2 9.6 9.3
Count 122 1395 9039

Embrace Pet Insurance

1
Out of 10
Posted: 11/18/2018
By:
Richard Midgett

I have submitted more than $3700.00 in hospital Bill's, for my Doberman that died mysteriously, at the age of 2yrs 10months old?
I have been waiting for Reimbursement for more than 2 months?
I had to go to the vet's & get his records cause they said ENBRA...

Injury/illness
Drago XVI, died after 4 days in hospital. Claim is on hold for more that $3700.00. Been over 2 months now?
Claim Amount
Over $1000
Breed

Doberman

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/17/2018
By:
Nancy Bennett

I have been extremely pleased with the quality of service and prompt response I've had from Embrace.

Injury/illness
torn ACL repair
Claim Amount
Over $1000
Breed

Wheaten Terrier

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/17/2018
By:
Stephanie Townsend

Embrace is so easy to use. I have had my dogs on it for a couple of years and I love the wellness credit. This year I have had to use the actual insurance for illness. The forms are super easy to fill out, the process of making the claim is a breeze,...

Injury/illness

Gastritis/vomiting

Claim Amount
Over $1000
Breed

Beagle

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/17/2018
By:
Camilla

This insurance covers my dog’s exam and shots as well. It was complicated at first because I am a first time pet owner so I didn’t understand some things but the customer service that they have are so helpful and kind. Every question that I have, they...

Injury/illness
Claim Amount
$100 - $500
Breed

Shih Tzu

Age of Pet
Over 8 years
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.