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.

Average customer rating

9.3 Out of 10
60 Days 1 Year Lifetime
Rating 9.3 9.4 9.3
Count 75 687 9435

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 06/10/2019
By:
Jane Deutsch

So happy with Embrace, all my questions were answered, staff was easy to work with. Took care of my claim in a timely manner. So glad I have it. Never did have insurance for my last four dogs, what a difference. Vet visits can be costly.

Injury/illness
Claim Amount
Breed

Labrador Retriever

Age of Pet
1 - 8
2
Out of 10
Posted: 06/06/2019
By:
Breona

Really disappointed with this company and will be changing over to Healthy Paws

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 06/06/2019
By:
Deborah Sivret

Embrace Pet Insurance was so affordable. I have Wellness plus illness. My claims were processed in a quick manner. They were so compassionate at the loss of my pet. I would highly recommend them.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 06/04/2019
By:
Michelle

I have had coverage for my cat Swirley for about 5 years now and until now, previously made only one tiny claim. Now my cat has been diagnosed with hyperthyroid, a common condition for older cats and expensive.

My experience with pet healthcare insurance...

Injury/illness
Claim Amount
Breed

Domestic Shorthair

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.