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 8.5 8.6 9.3
Count 18 128 10168
10
Out of 10
Recommended

Wouldn't Be Without Insurance

Posted: 08/23/2021
By:
LIN
GRIFFIN

Been with Embrace since Cody was 3 months old-now almost 8 yrs. Throughout the years the site has changed, but recently it is A+++. It is easy to navigate and submit claims, check status of numerous features, etc. All my claims have been processed timely unless there was an issue that was dependent upon vet feedback. Having insurance has given me peace of mind for medical care after losing a pet where finances became an issue for continuing care.

Injury/illness
Claim Amount
Breed

Maltese

Age of Pet
1 - 8
1
Out of 10

If your dog has ever been to the vet, don't get Embrace pet insurance.

Posted: 08/20/2021
By:
Chris
Koehler

Embrace is going to go through your pets medical records with a fine tooth comb and will not cover anything that they deem to be a preexisting condition. If you have a puppy who has never been to the vet for anything other than routine care, they might be a good pet insurance company. If your pets records indicate any kind of a vet visit for anything other than routine care, it will be considered to be a pre-exisiting condition and will not be covered for different lengths of time, some forever, some for a year. If your dog hurts her leg while on a hike, it will be considered an orthopedic condition and therefore, a pre-exisiting condition.

Injury/illness
Claim Amount
Breed

English Cocker Spaniel

Age of Pet
1 - 8
10
Out of 10
Recommended

Awesome Company!

Posted: 08/19/2021
By:
Appleonea
Enos

Easy to submit claims and they are processed quickly. Easy to use the App and great customer service!

Injury/illness
Claim Amount
Breed

German Shepherd Mix

Age of Pet
Under a year
10
Out of 10
Recommended

Excellent customer care

Posted: 08/19/2021
By:
Cathie
Stewart

Excellent customer service and quick remittances on claims

Injury/illness
Claim Amount
Breed

Dachshund miniature - smooth coat

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.