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 9.3 9.3 9.3
Count 39 481 9553

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 11/20/2019
By:
David Watson

Our 2-year old Frenchie, Chloe, was treated for a bad UTI on a Monday and was responding well to treatment, then woke up blind on Friday. A trip to the emergency vet, a MRI and tests of blood and brain fluid ruled out some causes, leaving us with only...

Injury/illness
Claim Amount
Breed

French Bulldog

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/18/2019
By:
Camela Williams

I’m very pleased, they kept in close contact with me throughout the whole process of my claim and provided updates in a timely manner.

Injury/illness
Claim Amount
Breed

Boxer

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/17/2019
By:
Kayla Trego

The first few claims were easy and smooth! There were a few road blocks that came up with 2 of our claims and I felt like I was constantly calling to make sure it was evening processed. It took weeks to sort out. The last 2 claims have been easy and quick...

Injury/illness
Claim Amount
Breed

German Shorthaired Pointer

Age of Pet
10
Out of 10
Recommended
Posted: 11/15/2019
By:
Christine Nydam

When my dog was diagnosed with lymphoma at 4 years old we worried about many things. Embrace took the worry about the cost of treatment off our plate. Claim processing was easy and efficient. Best decision we made. Highly recommend this company.

Injury/illness
Claim Amount
Breed

Pit Bull

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.