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 9.7 9.5 9.3
Count 70 397 10002

Embrace Pet Insurance

9
Out of 10
Recommended
Posted: 07/28/2020
By:
don v helton

I have 2 Husky's. Both insured by Embrace. Their Vet sends the invoices direct to Embrace. The Company reviews the claim, sends my approved amount directly to my checking account. Very smooth. Embrace does a very nice job of informing you about your...

Injury/illness
Claim Amount
Breed

Alaskan Malamute

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/26/2020
By:
Kathryn Matty

I have had Embrace pet insurance for many years. Now that my Joey is getting older he has several health issues. The coverage is great, the premium is worth every penny. Joey not only goes to his Veterinarian, he also has a chiropractor 80% is covered...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 07/24/2020
By:
Desma Caudill

We've had insurance for Bugs for about 7 years now. I've always been grateful for the wellness plan and reimbursements for general appointments during the year.
This year Bugs has been diagnosed with Cushings and some other issues due to that diagnosis....

Injury/illness
Claim Amount
Breed

Maltese

Age of Pet
Over 8 years
10
Out of 10
Posted: 07/22/2020
By:
Judith Falcicchio

Need to go back to being the company you were, the changes are not good. I had you for many years with my dog & didn’t question using you for my two pups but the experience has been horrible and I’m sorry I signed them with the new Embrace

Injury/illness
Claim Amount
Breed

Havanese

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.