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 9.8 9.5 9.3
Count 73 406 10012

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 08/11/2020
By:
Nannette Morgan

I've had my male Siberian Husky insured by Embrace for over 5 years. I've only recently had to make claims in the past two years - quite a few. They are always helpful and supportive and go above and beyond to settle any questions. The policy is easy...

Injury/illness
Claim Amount
Breed

Siberian Husky

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 08/11/2020
By:
Bill

Haven't had any problems with Embrace. They respond quickly to submitted forms and provide detailed replies.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 08/11/2020
By:
Claudia Ionescu

Not once in over 8 years i had a bad experience with Embrace. Its an amazing good insurance : great coverage, transparent policies, easy filing claims and quick payments. Their customer service is lovely and very helpful. I've had Embrace for all of my...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
9
Out of 10
Recommended
Posted: 08/10/2020
By:
Bill

I have had 3 pets insured by Embrace and I am satisfied with their services. My dogs are now 15 years old and one of them has developed some conditions which have required additional workup and medications. Embrace has been reliable in covering my pets...

Injury/illness
Claim Amount
Breed

Poodle (toy)

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.