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 95 1581 8908

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 09/18/2018
By:
patricia Pitts

We are in the 3rd year of coverage for our dog and have recently added our cat to the policy. I have been very satisfied with the coverage and if ever there were any questions or issues to be dealt with I have encountered only friendly, courteous and...

Injury/illness

Ear Problem

Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 09/18/2018
By:
Anne C.

I investigated several pet insurance companies before deciding on Embrace based upon their coverage and reasonable rates. However, the customer service really deserves special notice. My e-mail queries have all been answered (thoroughly) within a few...

Injury/illness
Wellness exam and booster shot
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/17/2018
By:
Alice Waggoner

We just insured our 5 year old Bichon Frise Rudy Embrace covered his orthopedic exam. I do hope this insurance works for us. We had Rudy insured with an other pet insurance co. the premium doubled after 5 years. From my research and comparison I...

Injury/illness
Claim Amount
Under $100
Breed

Bichon Frise

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/17/2018
By:
Maura Roxby

I love Embrace! They don’t give me all the crap I get from other Pet Insurance Plans. I have multiple pets and I never have a problem with them. I will be switching all of my dogs to this plan! They Rock!

Injury/illness
Claim Amount
$100 - $500
Breed

Golden Retriever

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.