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 9.7 9.5 9.3
Count 338 1885 8440

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 04/22/2018
By:
John O'Neill

I could not have made a better choice in a pet insurance provider. Embrace has kept their promise and covered our Darwin's medical expenses. Their support has been invaluable. Without pet insurance I/we would have had to make a very difficult decision....

Injury/illness
Mass
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/21/2018
By:
pat Croteau

This is the best pet insurance you can buy. They have always been fair and always paid quickly. I have been very pleased with Embrace and would highly recommend them.

Injury/illness
Claim Amount
Under $100
Breed

Cocker Spaniel

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 04/21/2018
By:
Dwayne

Our dog was diagnosed with DM (degenerative myelopathy). My wife and I submitted multiple claims for her from the standard checkup all the way up to having an MRI done on her. The staff was nothing more than professional and when that fateful day...

Injury/illness
DM (degenerative myelopathy)
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 04/21/2018
By:
Melissa

I am very happy with the service I have received by this company to date. Wellness claims processing is very quick and I am grateful there is a orthopedic waiting period waiver for TX residences. I have two dogs and both have insurance with the wellness...

Injury/illness
Wellness
Claim Amount
$100 - $500
Breed

Chihuahua

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

$100, $200, $300, $500 $750 or $1000 annually.

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.