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 70 677 9435

Embrace Pet Insurance

10
Out of 10
Posted: 05/01/2010
By:
Lisa Smith

I have been with VPI for a long time and have become increasingly dissatisfied with them. While my premiums have increased the amount I am reimbursed has decreased. When we got our newf 2 yrs. ago I researched many companies and was very impressed with...

Injury/illness

Skin problem

Bladder

my claims have been taken care of
Claim Amount
$100 - $500
Breed

Newfoundland

Age of Pet
Under a year
10
Out of 10
Posted: 05/01/2010
By:
Eileen Murphy Downer

I recently adopted an 8 wk old puppy and now at 15 wks she is healthty and happy. I had a Shepherd Collie mix before and used VIP insurance. I think insurance is a necessary and responsible part of pet ownership. The problem I had with VIP was their fee...

Injury/illness
Wellness - early shots
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Posted: 04/30/2010
By:
Dan Theman

Topnotch customer service. I had an issue with a claim and actually spoke to the CEO! That's true customer service.

Injury/illness

Eye problem

Claim Amount
$500 - $1000
Breed

American Bulldog

Age of Pet
1 - 8
8
Out of 10
Posted: 04/30/2010
By:
Helena Sfogliano

This was my first claim submitted and I was quite surprised at the amount of return. They were very prompt and covered more than I thought would be covered. I was a little disappointed in that they didn't cover a certain medicine and test for his dry...

Injury/illness

Eye problem

Wellness...Flea and Heartworm meds
Claim Amount
$100 - $500
Breed

Cavalier King Charles Spaniel

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.