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 9.5 9.3
Count 138 806 9392

Embrace Pet Insurance

10
Out of 10
Posted: 05/04/2010
By:
Sonya Pifer

I work with dental insurance every day, so I truly appreciate timeliness. Embrace always is prompt - whether it is in their claim processing or responding to a question I have. I've had animals for the past 11 years, and I've had 3 other insurance plans...

Injury/illness
benign cysts
Claim Amount
$100 - $500
Breed

Mastiff

Age of Pet
1 - 8
10
Out of 10
Posted: 05/03/2010
By:
Meg Wittenmyer

Sometimes I think the dogs that really need us find us, because when a new furry member of our family joins us, we immediately insure them with Embrace and undoubtedly something will happen that would not have been possible to treat without insurance. But...

Injury/illness
arthritis
Claim Amount
$100 - $500
Breed

Great Dane

Age of Pet
Over 8 years
10
Out of 10
Posted: 05/02/2010
By:
Stanley H. Nadulek

It was very easy to process the recent claim that I submitted. The payment was within a few days of my dogs procedure. There was no surprises and it was a pleasure to deal with Embrace. I would highly recommend Embrace for your pets health insurance.

Injury/illness
Dental cleaning
Claim Amount
$100 - $500
Breed

West Highland White Terrier

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.