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 8.8 9.3 9.3
Count 43 615 9477

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 08/18/2019
By:
AnnD

Purchased day 10 week puppy came home and $1,850 reimbursements later very glad I did (premium about $445 for 90% reimbursement after $500 deductible). Fast human phone customer service and offer waiver from 6-month waiting period for orthopedic issues...

Injury/illness
Claim Amount
Breed

Australian Shepherd

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 08/18/2019
By:
Trudi Moag

Prior to Embrace I was with a different pet insurance company. I'm a good reader, but it seems not good enough. Virtually every claim was paid at a rate lower than I understood it would be based on what I read in the policy. I'd call, they'd explain, I'd...

Injury/illness
Claim Amount
Breed

Labradoodle

Age of Pet
Over 8 years
4
Out of 10
Posted: 08/17/2019
By:
Carol

I submitted an appeal for Presley for date of 06/14/19. I appealed the hospitalization for the treatment of glaucoma. Dr. Parver filled out the questionnaire stating that the blood work and the hospitalization was strictly for the glaucoma. Your...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
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.