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 186 1780 8787

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 07/09/2018
By:
Laura Jicha

We have been thrilled with the excellent service we have experienced with Embrace. We are confident that after each of our puppy’s appointments, we can count on Embrace’s ease of filing and efficient response to satisfy our needs.

Injury/illness
Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 07/09/2018
By:
Liz Holzer

Embrace is exceptional! Filing a claim couldn’t be any easier and the payments are prompt! I have never regretted signing on with Embrace. I recommend them every chance I get! Love the newsletters as well!!
Keep up your excellent service👍

Injury/illness

Gastritis/vomiting

Claim Amount
Under $100
Breed

Dachshund

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/09/2018
By:
Loretta LoPresti

I'm very happy I chose Embrace for my puppy's needs. They are very courteous and helpful when I call with questions. They also are very prompt when handling any wellness claims I submit.

Injury/illness
Claim Amount
$100 - $500
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/09/2018
By:
Guadalupe Higson

We’re very satisfied with this insurance and we feel our furbaby is covered with everything. Our Veterinary Hospital recommended and we really appreciate the customer service.

Injury/illness
Claim Amount
$100 - $500
Breed

Yorkshire Terrier

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.