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 9.6 9.3
Count 105 1300 9072

Embrace Pet Insurance

10
Out of 10
Posted: 09/26/2007
By:
Lisa McLean

I spent many hours researching pet insurance companies and reading the reviews. I have purebred dogs that are often prone to hereditary conditions and didn't want a policy that wouldn't cover these. Every time I have called or had a question I've...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 09/25/2007
By:
Rochelle Himes

After being disappointed by another Pet Insurance Company that we had used for years, I shopped and found Embrace. The people are wonderful and even answer e-mails on a Saturday! I am thrilled that they pay "customary charges" on a regional basis, and...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 09/12/2007
By:
Zuzana Cermanova

I had just recently filed my first claim with Embrace and it was handled fast and professionally. I received confirmation e-mail, that they received my claim and also received a summary and detail explanation on how the claim was handled. The...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 08/20/2007
By:
Emily Byrum-Hecht

I just received word that my first two claims were accepted toward my deductible. After many hours of researching the topic of pet insurance and pondering the cost vs. benefit, loopholes, etc. the Embrace staff answered every question and helped me to...

Injury/illness
Claim Amount
Breed
Age of Pet
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.