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 9.3 9.6 9.3
Count 123 1022 9263

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 03/20/2019
By:
Nadia Rubaii

The combination of the accident and wellness plans provides very thorough coverage. The wellness plan paid for itself with the a spay surgery, and the accident/emergency coverage paid for itself when a complication required a second surgery. I only wish...

Injury/illness
Claim Amount
Breed

Pit Bull

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/20/2019
By:
Christine Esposito

I really like the idea of being able to submit claims online and not have to send in and wait for days to hear back from anyone. I have sent in claims right on the home page and got responses back almost immediately if not within a 24 hour window. Great...

Injury/illness
Claim Amount
Breed

Rat Terrier

Age of Pet
1 - 8
3
Out of 10
Posted: 03/20/2019
By:
Jesse Bronson

Where to begin... after a simple urinary tract infection in our frenchie that still hasn’t been covered to the emergency follow up, embrace hasn’t made this easy or a priority. After persistently dealing with our veterinary clinic, and multiple assurances...

Injury/illness
Claim Amount
Breed

French Bulldog

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/20/2019
By:
Justin Smith

When unexpected injuries occur, I have had absolutely no problem working with Embrace to file a claim. The most recent pre-authorization to have TPL surgery for my dog took only one day! I also have the wellness plan, which covers regular wellness vet...

Injury/illness
Claim Amount
Breed

Labrador Retriever

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.