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 9.2 9.5 9.3
Count 75 503 9928

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 06/04/2020
By:
Irene Colletti

No matter what the situation brings when it comes to my two italian greyhounds, I know Embrace is there to get us through it. All I have to worry about is the health of my dogs without the financial burden associated with treatment and vet bills. In all...

Injury/illness
Claim Amount
Breed

Intalian Greyhound

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 06/04/2020
By:
Lydia

They have always been helpful, considerate and explain everything to where we can understand, gives advise for us to be able to make mindful decisions in the care of our pets. Puts us and our pets first & always follow up with an email. Even though they...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 06/04/2020
By:
Susanna Carpenter

I called to address a claim that was determined to be a duplicate. I knew this call may take awhile. However, as soon as i explained my reasons to Joey, he quickly assesed the issue, confirmed with the claim people what he believes is what happened and...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
1
Out of 10
Posted: 06/04/2020
By:
Gail Staal

Shame on this company...I have been a customer for 8 years with no claims n when I moved from NY to Az they raised my premium 60% with garbled explanation of more expensive in AZ than NY??? No additional service just insurance company greed.

Injury/illness
Claim Amount
Breed

Mixed Breed

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.