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 9.6 9.6 9.3
Count 116 1121 9192

Embrace Pet Insurance

9
Out of 10
Recommended
Posted: 02/15/2019
By:
Brian Olden

The Embrace reps I spoke to on the phone were very helpful. There was a lot of back and forth but that's because the Vet filled out the wrong from. But the Embrace telephone reps fixed everything and sent me the reimbursements. Thank you fpor your...

Injury/illness
1) Periodic exam 2) injurt from a dog bite
Claim Amount
$500 - $1000
Breed

Poodle (toy)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/11/2019
By:
Miranda

The staff at embrace have been nothing but responsive and helpful as I navigate beibg a first time dog-owner. Their customized plans are incredible and they’ve helped me make sure I’m utilizing my insurance the best way possible. They’re quick to respond...

Injury/illness
Respiratory
Claim Amount
Under $100
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.