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 9.2 9.5 9.3
Count 139 911 9339

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 04/15/2019
By:
Mary Susan Martin

I just adopted two Bichons from a puppy mill. My vet had to see them in order to prescribe flea/tick/heart worm meds. Having two dogs can be expensive when it comes to care! But Embrace helped to support my costs so I may now feed my dogs at the same...

Injury/illness
Claim Amount
Breed

Bichon Frise

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/13/2019
By:
Linda Joo

I insured both of my dogs, a 6 year old Rottweiler and a 5 year old GSDX, in October of 2016. I was considering not renewing in 2017 as I hadn't had any claims until the "incident". I came home from work on a Friday afternoon and the Rott was gimpy in her...

Injury/illness
Claim Amount
Breed

Rottweiler

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/13/2019
By:
PAULA

The workers that helped me (I'm sorry I cannot remember your names) were so kind and compassionate when my little Natale had cancer. The sad thing was she never showed any signed of illness. They covered all her medical bills. Unfortunately, the cancer...

Injury/illness
Claim Amount
Breed

Mixed Breed

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.