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 9.6 9.5 9.3
Count 47 564 9780

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 02/25/2020
By:
Gina Clement

We purchased Embrace accident and wellness pet insurance when our dog was a puppy. Unfortunately, our dog aged and became so sick that we had to euthanize him. Embrace was caring, courteous and provided prompt service every time that we had a claim or...

Injury/illness
Claim Amount
Breed

American Bulldog

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/24/2020
By:
Sandra Wilhelm

We have had embrace with both our dogs and have had an awesome experience. We would recommend Embrace to every pet owner. We have had excellent service and response time for all our claims.

Injury/illness
Claim Amount
Breed

Labrador Mix

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/21/2020
By:
Mark Diamond

These people are incredible. My dog had an accident and broke her leg. After a visit to the ER for a splint and her regular vet for X-rays, we were sent to an orthopedic surgeon who was going to cost $5500!! I don’t have that cash lying around, so I...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/20/2020
By:
David Karp

Following notice that, based on a review of our dog's medical records, certain conditions would be excluded from coverage, we requested a review of their decisions. We asked the veterinarians who treated our dog for the excluded conditions to explain in...

Injury/illness
Claim Amount
Breed

Labradoodle

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.