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 9.6 9.3
Count 105 1300 9072

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 12/06/2018
By:
Allen Gabrielsen

fast prompt claims processing, good coverage and I love the whisper docs benefit, have used it a few times with general health questions and always get a call back to check on the dogs progress.

Injury/illness
cushings disease
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 12/05/2018
By:
Hal Ronin

First claim submission to Embrace and it couldn’t have been easier. I submitted about 10 months worth of claims and Embrace breezed through them quickly and efficiently. We couldn’t be happier with their processes and professionalism.

Injury/illness

Gastritis/vomiting

Renal (kidney)

Claim Amount
Over $1000
Breed

Flat-coated Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 12/04/2018
By:
ANTON

My 6 year old Siberian cat developed a tumour in her lymph gland which was deemed inoperable, but non cancerous .I had to seek assistance from various specialists in the field in addition to my own vet. I cannot begin to tell you the expenses I incurred....

Injury/illness
Claim Amount
Over $1000
Breed

Siberian

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.