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 341 1925 8612

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 05/22/2018
By:
Joanne

I highly recommend embrace pet insurance. They take pride on their business. Very easy to file a claim and they are fast in processing all claims . I am happy to have embrace pet insurance especially my dog can get easily sick due to allergies . I don’t...

Injury/illness

Ear Problem

Eye problem

Skin problem

Enteritis/diarrhea

Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 05/22/2018
By:
Lee Isdell

I have been an Embrace policy holder for the last 4 years, and I have policies on both of my Bernese Mountain Dogs. While I will admit it is not "cheap" to insure two large dogs, as there are "cheaper" policies out there...I have found Embrace to be the...

Injury/illness

Ear Problem

Gastritis/vomiting

Enteritis/diarrhea

multiple issues over the 4 years.
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 05/22/2018
By:
Pam St. John

I knew when my little girl came down with a bad UTI things would be ok. Thanks to having Embrace Insurance I know that my girl can get whatever treatment she may need. This claim was processed extremely fast. If you are thinking about get insurance for...

Injury/illness

Gastritis/vomiting

UTI
Claim Amount
$100 - $500
Breed

Labrador Retriever

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 05/22/2018
By:
Basia Armenta

Embrace took a huge burden off my shoulders the reimbursement process was very quick no fuss no questions they just paid the huge bill associated with a broker paw

Injury/illness
Broken paw
Claim Amount
Over $1000
Breed

Savannah

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.