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 9.6 9.5 9.3
Count 47 564 9780

Embrace Pet Insurance

10
Out of 10
Recommended
Posted: 02/14/2020
By:
Tammy Delauter

This is the first time we have ever purchased insurance for our furbabies. We decided when we adopted a 9 year old Scottish Terrier rescue and then an 8 week old Scottish terrier puppy that we would look into pet insurance due to our previous scottie...

Injury/illness
Claim Amount
Breed

Scottish Terrier

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/10/2020
By:
Kathy Hardiin

My lab has been insured through Embrace since she was 8 weeks old. She recently was diagnosed with a Mast Cell tumor that required surgery. I submitted a claim that was resolved extremely quickly. I am very happy with Embrace

Injury/illness
Claim Amount
Breed

Labrador Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/07/2020
By:
Caroline A DiGiulio

I am so happy that I went ahead and purchased Embrace insurance policies on both my dogs. Please remember, no one wants to experience health issues w/ their pets, but it does happen!

Injury/illness
Claim Amount
Breed

Labrador Retriever

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.