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 75 503 9928

Embrace Pet Insurance

8
Out of 10
Recommended
Posted: 06/03/2020
By:
MIKE TAKAMUNE

TALKED TO REP. JK ABOUT CURRENT POLICIES REGARDING UNPROCESSED CLAIMS DUE TO COV19.SHE UPDATED ME W/LATEST CHANGES FROM JAN.2020. ANSWERED ALL MY LINGERING QUESTIONS SAT.
JK IS VERY INFORMED & KNOWLEDGEABLE & POLITE & VERY VERY PERSONABLE. SHE HAS TO BE...

Injury/illness
Claim Amount
Breed

Chihuahua

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 06/03/2020
By:
Arianne

Our Family has been with embrace pet Insurance for five years now. We’ve had four pets insured through them and everything has always been very easy. They have always been very thorough. They’re always extremely friendly and knowledgable on the phone. We...

Injury/illness
Claim Amount
Breed

Boxer

Age of Pet
Under a year
2
Out of 10
Posted: 06/02/2020
By:
Tee

There was so much back and forth and the service either excludes pre existing conditions or anything normal that I’d pay for anyway through your Well was program. I am absolutely switching services. You didn’t even try to make this right when I stated...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
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.