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 9.2 9.5 9.3
Count 63 418 10092

Embrace Pet Insurance

10
Out of 10
Posted: 10/20/2020
By:
Charity

Don’t choose this company, they will do everything they can and possible to deny your claim!!! 
Our 2 yr old cat got cancer and after much email and calling back and forth to figure out why the claim was taking so long they just wanted confirmation that...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 10/17/2020
By:
Ginny H.

Embrace was recommended to me by fellow Newf owners. Giant breed dogs have many health issues which come at a tremendous expense, including the premiums for the insurance. I've been so thankful for the reimbursements at every turn of events during my...

Injury/illness
Claim Amount
Breed

Newfoundland

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 10/16/2020
By:
Amy Fruchtman

I got Embrace insurance so I wouldn't have to think twice treating my Fiji for any illness she may have. Now after 12 years with them she's having cancer treatments and they've been great covering it!

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 10/15/2020
By:
Valerie Gillman

For years I have paid monthly, but since my cats were healthy, didn't get much back(except well cat charges), but it seems that once they hit 11 years old, things got serious. I'm glad they were signed up for this insurance when they were kittens! If it...

Injury/illness
Claim Amount
Breed

Himalayan Flame Point

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.