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 9.5 9.6 9.3
Count 112 1122 9194

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 02/11/2019
By:
Jamie

We have been with Embrace Pet Insurance for almost 4 years. The claims are SO easy to submit, and the company is super easy to get in touch with. They have amazing customer service and always get back to us incredibly fast. We have been VERY pleased and...

Injury/illness
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/11/2019
By:
Diane Becker

The customer service was excellent and claims were settled promptly.. My husband and I are on a fixed income which is why we purchased coverage in the event of an illness. We never want to make life and death decisions for our pets based on money, only...

Injury/illness
Blood disorder
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/10/2019
By:
Lana Burns

Embrace is a wonderful insurance company. I can’t say enough about how they made this emotional and stressful time so much better, mostly because they handled my claim so fast but when I called to ask any questions the representatives always asked how...

Injury/illness
CCL repair
Claim Amount
Over $1000
Breed

Labrador Retriever

Age of Pet
1 - 8
8
Out of 10
Recommended
Posted: 02/10/2019
By:
Jamie

First and foremost, I have experienced nothing but great customer service. I filed my first claim and it was taken care of quickly and easily as expected. I would score a 10, however some points are lost for the fact that my premium increased after 1 year...

Injury/illness
Heart Murmur
Claim Amount
$500 - $1000
Breed

Domestic Shorthair

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.