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 9.6 9.5 9.3
Count 47 564 9780

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 02/17/2020
By:
Berth Ho

It SEEMS this pet insurance is expensive, but I don't agree. My doggie (Charlie) is covered for anything he needs. I feel the cost is totally worth it!! I have had ZERO issue with this company (Embrace Pet Insurance). Customer service is very helpful and...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 02/17/2020
By:
Rhonda Thomas

These people denied a claim. My dog was in the yard playing with the other dog. I don't know if he scratched her eye or a branch that was in the yard scratched her eye but I can pin point the accident to a date and period of time within 3 hours. they're...

Injury/illness
Claim Amount
Breed

Shar-pei

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/16/2020
By:
Mark

We purchased Embrace Pet Insurance when our Golden was a puppy. Unfortunately at 6 years old he was diagnosed with Lymphoma. Thanks to Embrace Pet Insurance and the caring and responsive staff, we are able to provide the best treatment money can buy and...

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/15/2020
By:
Steele Artz

I want to say thank you for making it easier insurance claims and procedures those things are hard for for me to understand and you guys made it such a simple process the claim downloading and uploading. Your team did all the work . To leave me the time...

Injury/illness
Claim Amount
Breed

Mixed Breed

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.