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.

Learn more about Embrace's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider. 

Average customer rating

9.3 Out of 10
60 Days 1 Year Lifetime
Rating 9.7 9.6 9.3
Count 64 418 10066

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 09/29/2020
By:
Alida Baird

I purchased insurance for both wellness and accident/injury for my Cockalier the day after we adopted her. Embrace has been just wonderful. They have paid for three echocardiograms, a MRI, prescription food as well as monthly medication for her Cushings...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 09/29/2020
By:
Kathleen Solomon

I’m really pleased with the level of service and the ease of claims submitted using the mobile app as it has improved a lot the last year. Pricing is comparable to others, no issues with claims in for years and i feel it’s a good value for the price. I...

Injury/illness
Claim Amount
Breed

German Shepherd

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/29/2020
By:
Octavius Chatman

I love my pet insurance with Embrace. They have shown excellent customer service and my Wellness claims were handled extremely fast. Thank you. I will definitely recommend your services to others for their fur babies.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/29/2020
By:
James

Embrace has been very good about covering my pet's claims in a timely fashion. I've been satisfied with the coverage, and have no complaints about the company. I would recommend them to anyone.

Injury/illness
Claim Amount
Breed

Mixed Breed

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.