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 9.5 9.6 9.3
Count 112 1122 9194

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 02/09/2019
By:
Lizz

Embrace has worked well for us and our aging dog. He has needed extra care this year for lameness that developed in his hind legs, and insurance was a good investment for us. Embrace staff have been responsive to questions. The website and claims...

Injury/illness
leg lameness
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/08/2019
By:
Pam

Been an Embracer for 3 years but just had my first claims. Unfortunately, they were big ones for diagnostics, surgery, and treatment for pancreatic cancer. An emotional time, and when I filled my first batch of claims and the status erroneously showed...

Injury/illness

Cancer

Claim Amount
Over $1000
Breed

Golden Retriever

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/07/2019
By:
Mary J Brown

I have been with Embrace for a little over two years and have two large breed dogs insured. This has been my first experience with pet insurance and I am extremely satisfied and would highly recommend Embrace. Communication is easy through email and...

Injury/illness
Orthepedic
Claim Amount
Over $1000
Breed

Mixed Breed

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.