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 9.2 9.5 9.3
Count 75 503 9928

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 05/30/2020
By:
Kara

I've had Embrace for a 4 years, but only submitted claims the last 2 years. i cannot believe how fast and easy it is to submit a claim, and how quickly they approve it and send you a check. It's seriously easier than dealing with human health insurance...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 05/30/2020
By:
Linda

Embrace has been part of my dog's life for more than five years and I am very grateful for them. The last two years my golden has had multiple medical issues and large vet bills, but claims were processed and paid quickly and our policy renewed without...

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 05/29/2020
By:
norma

I am completely satisfied with Embrace. They process claims quickly - at least thus far in my case. Any of their representatives with whom I have dealt were professional and pleasant. Have no reason to change. The first company I dealt with raised my...

Injury/illness
Claim Amount
Breed

Basenji

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.