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 9.0 9.3 9.3
Count 37 544 9514

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 10/02/2019
By:
Tom Dykstra

My dog went through two TPLO operations, and the claims were easy to file and paid promptly. After a dog has one of these operations, chances are good for a second one to be needed eventually, yet premium increases after the first operation were minimal.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 09/30/2019
By:
Wallis Morales

My 7 year old boxer, Boomer had TPLO surgery. It’s been a very stressful time but Embrace has made the insurance claim quick, easy, and simple. They are a great company and I highly recommend them! Thank you, Embrace!

Injury/illness
Claim Amount
Breed

Boxer

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/28/2019
By:
Donda DePalmo

I have always been pleased with the coverage and the communication if I had a problem. The best coverage of any pet insurance I have researched.

Injury/illness
Claim Amount
Breed

Dalmatian

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.