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 8.1 9.4 9.3
Count 15 360 10110

Embrace Pet Insurance Reviews

10
Out of 10
Posted: 01/10/2021
By:
Monica
DeMarco

I Purchased a policy and into the second year I submitted a covered claim everything was done in a timely manner but the company started processing it months later and have now denied me saying that I didn’t submit it on time when it was them they didn’t...

Injury/illness
Claim Amount
Breed

Labrador Mix

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 01/09/2021
By:
JACK
GOULD

Fiona is aging (12.5 years) and has multiple health issues. I've never had a problem with claims, or the contract, or anything. The premiums are fair and the service is outstanding. I recommend it highly - even if you are currently insured with a...

Injury/illness
Claim Amount
Breed

Chihuahua (Short Coat)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 01/08/2021
By:
Amy
Fruchtman

I've had my policy with Embrace for over 12 years and had not really had many claims until the last couple of years. My baby is being treated for cancerous growths and they provide excellent coverage and process all of my claims promptly. I highly...

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 01/07/2021
By:
Warren
Murdoch

I purchased Embrace for our cat in 2007. She was a light user at the beginning but now that she is older, we have made more claims. All the claims were paid within 2 weeks. Embrace is one of the reasons she has reached 15 because we use the Wellnes...

Injury/illness
Claim Amount
Breed

Domestic Short Hair

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.