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 9.4 9.3
Count 75 687 9435

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 06/24/2019
By:
Angela

I can't say enough everything about my experience with embrace was wonderful..we emded up having to put our dog to sleep. :( we received emails and a hand written card with many signatures. Prompt responses and claims processed. I have referred numerous...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 06/20/2019
By:
Mike

This is my second review for Embrace, regarding claims service for my nine year old cattle collie cross. I had insured him barely over a year when he began limping. At first the vet thought it was just arthritis, for which he began expensive, monthly...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 06/19/2019
By:
Julie Gleeson

Embrace covers the common woes, but the real plus is they cover genetic and congenital issues where many companies do not. Medications are covered as well, and in the case of heart disease, in my older Norfolk, these meds were upwards of $500/mo....

Injury/illness
Claim Amount
Breed

Norfolk Terrier

Age of Pet
1 - 8
9
Out of 10
Recommended
Posted: 06/15/2019
By:
Sherry

Layla's acupuncture/chiropractic treatments have been covered and to date seem to be very effective. Her bronchitis is much improved. I appreciate the fact that these treatments have been covered by Embrace. I hope that Embrace does not put a limit on...

Injury/illness
Claim Amount
Breed

Calico

Age of Pet
1 - 8
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.