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 9.2 9.5 9.3
Count 121 1011 9263

Embrace Pet Insurance

10
Out of 10
Posted: 11/17/2009
By:
AJ HARPER

I switched from another pet insurance which sold out several times. Although they seemed "functional" they never provided the personable service I have received to date. The claims are handled very quickly and the e-mail conversations are wonderful. Very...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 11/16/2009
By:
Helen

Our rottie was diagnosed with severe hip dyslasia before his first birthday earlier this year. He had his first surgery in May and the second one just last week. Both times, working with Embrace Pet Insurance has been such a smooth and easy process....

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 11/13/2009
By:
Yana

I just had my first experience with submitting a claim to Embrace; It was very painless and smooth.The claim form is as simple as it can be; They kept in touch throughout the process and kept me informed of what was going on (and were very nice); When...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 11/12/2009
By:
Sam

We have had embrace for almost a year and within this year our puppy has gotten sick and even been hospitalized for ingesting a toxin. Embrace has been prompt with every single claim and keeps us informed and never hesitates to answer our questions....

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.