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 9.3 9.4 9.3
Count 75 687 9435

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 06/14/2019
By:
Krishna Marie Beecher Scribner

Very happy I chose Embrace. Very helpful and caring and the wellness program is amazing to have. There mthly emails on caring for our pets is very helpful. Very good service

Injury/illness
Claim Amount
Breed

Bernese Mountain Dog

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 06/12/2019
By:
Rick Banks

I didn't know Embrace covered such a wide variety of claims. I thought only accidents were covered, but they cover illness as well. Thank you Embrace. I thought the premiums were costly, but I've come to find out I'm the one benefitting ( and my cats)☺🐱

...
Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 06/12/2019
By:
Megan Ryan

Excellent company! Easy to navigate app, quick response from staff, very reliable!

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
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.