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 8.1 9.4 9.3
Count 15 360 10110

Embrace Pet Insurance Reviews

3
Out of 10
Posted: 12/15/2020
By:
claudia
sanchez

My main issue with Embrace is the fact that they increase policy premiums anywhere from 20-35% almost every year. Why every year? Because each year your dog ages, they can (and do) increase the premiums. they will claim the reason is because older pets...

Injury/illness
Claim Amount
Breed

Pug

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 12/14/2020
By:
Jeanne
Legault

I did a lot of research on pet insurance before deciding on Embrace. I recommend it to everyone! You couldn't find better and more cheerful customer service. They provide lots of different options for coverage. You can create your own plan. I have 3 cats...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 12/12/2020
By:
Paula
Leonard

This insurance is horrible. Do not buy this. They denied my claim for an isolated incident for my dogs ear infection due to him getting water in his ears. The are trying to say that the ear infection is pre-existing because my dog has dermatology...

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 11/24/2020
By:
Amy

I was reluctant to get pet insurance but realized my dog is only getting older and will not put a price on my dog’s life. I had little money for premiums so I setup what I would call a ‘catastrophic’ policy- with a $1,000 deductible and 20% copay. And...

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.