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 105 1300 9072

Embrace Pet Insurance

9
Out of 10
Recommended
Posted: 12/10/2018
By:
Robin w Hicks

I have been pleased with embrace insurance. The bulk of my claims that I have submitted have been paid. They are good about contacting the vetoffice for additional info. They make it easy and painless. Definitely recommend.

Injury/illness
Stroke
Claim Amount
$500 - $1000
Breed

Yorkshire Terrier

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 12/08/2018
By:
Kim Castillon

This is so easy. It’s like a payment plan for wellness as well as accidental coverage. Coming up with $600 for vaccinations and neutering hurts all at once. Makes things a lot easier. 😊. Paid quickly!

Injury/illness
Wellness plan. Neuter and vaccinations
Claim Amount
$500 - $1000
Breed

Bulldog

Age of Pet
Under a year
3
Out of 10
Posted: 12/07/2018
By:
Susana Funsten

I received an email about a week ago that my claim (submitted in October) for a veternary visit for Gigi (my Morkie) had been approved. As of today, I have not yet received any remibursement for my expense during that veterinary visit atLArchmont Animal...

Injury/illness
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Over 8 years
9
Out of 10
Recommended
Posted: 12/07/2018
By:
Brenda

Submitting a claim and evalution is quick. Best insurance policy I’ve had for my fur baby.

Injury/illness
Insulin/ medical diabetics
Claim Amount
Under $100
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.