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 9.3 9.3 9.3
Count 39 481 9553

Embrace Pet Insurance

9
Out of 10
Recommended
Posted: 11/20/2019
By:
Sarah

I've submitted multiple claims with embrace since my dog was a baby and they have accepted all but her most recent one. The most recent one was infuriating but they walked me through how to get a letter of appeal from my vet and my appeal was just...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/20/2019
By:
Jessica Rumiche

I cannot say enough good things about Embrace! Everyone we have talked to has been super nice and very helpful. The claim process is super easy & using the app makes it even easier to submit & track the status of a claim. I'm blown away by their quick...

Injury/illness
Claim Amount
Breed

Siberian Husky

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 11/20/2019
By:
Angela Gleaves

Amazing communication, great coverage, and easy to file a claim! Such a blessing for my older dog and Veterinary costs reimbursement!

Injury/illness
Claim Amount
Breed

Havanese

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.