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 8.5 9.2 9.3
Count 18 279 10139

Embrace Pet Insurance Reviews

1
Out of 10
Posted: 03/22/2021
By:
Zachary
Napier

Don’t waste your time with this company. They are extremely frustrating to deal with when processing a claim. Reached out to my vet 3 times to send additional information and they still will not process my claim. Spoke with customer service, he was...

Injury/illness
Claim Amount
Breed

Siberian Husky

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/19/2021
By:
MARIETTA
MANCINI

I always recommend Embrace insurance to pet owners. My friend was here the day I was submitting some claim documents, a week later I told her the claim was paid and she was shocked. I have never had a problem getting my claims paid. For the first 2 1/2...

Injury/illness
Claim Amount
Breed

Great Dane

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/16/2021
By:
Sam
Pikikero

My puppy Zoey has been on Embrace pet insurance for the past 3ish months now and we couldn’t be happier! They cover just about everything we need, and every time I’ve called an Embracer with questions or concerns they have been answered and fulfilled...

Injury/illness
Claim Amount
Breed

American Pit Bull Terrier

Age of Pet
Under a year
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.