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 9.6 9.4 9.3
Count 277 1831 8077

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 02/20/2018
By:
Peter Veltri

We have been insured with Embrace since my 10 year old mix lab was a puppy. Had to use our policy a couple of times and always got a quick response and fast refund. Customer service representatives are quick to answer your requests, great communications...

Injury/illness

Renal (kidney)

ACL tear
Claim Amount
Over $1000
Breed

Labrador Mix

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/20/2018
By:
heather sullivan

My dog needed knee surgery. I put a claim in and within 10 days I found out 80% of the surgery bill would be reimbursed. It's a life saver. Thank you

Injury/illness
Knee
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/20/2018
By:
Venelin Kaltchev

So glad I joined a few years ago. Fast, fair, amazingly simple to use and valuable service!

Injury/illness

Gastritis/vomiting

Claim Amount
$100 - $500
Breed

Weimaraner

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/20/2018
By:
William harris

Great insurance, pays quickly.
Pleasant and compassionate to your needs when my dogs needed to be hospitalized

Injury/illness

Ear Problem

Gastritis/vomiting

Renal (kidney)

Claim Amount
Over $1000
Breed

Yorkshire Terrier

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 35% 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 or $1000 annually.

Age Limits

Pet must be at least 8 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.