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 8.9 9.3 9.3
Count 47 614 9482

Embrace Pet Insurance

10
Out of 10
Posted: 04/15/2010
By:
Gina Spadafori

I have several pets, all insured, including a retriever puppy. Twice -- yes, twice! -- my puppy has eaten something she shouldn't have and ended up in the ER. I go to the BEST veterinary practice in Sacramento -- VCA Sacramento Veterinary Referral Center....

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 04/15/2010
By:
Kay R.

Can't say enough good things about Embrace Pet Insurance. About 7 yrs ago our rottweiler developed cancer and we paid every bill out of pocket. I knew once we lost him the next dog we got would have insurance. I can assure you I did my homework and much...

Injury/illness
Claim Amount
Breed
Age of Pet
9
Out of 10
Posted: 04/14/2010
By:
Heidi M

I never bought a pet insurance policy before, but I did some research before I selected Embrace. To me it seemed just what I was looking for in a pet insurance policy. The reimbursementtime seems reasonable, and customer service was quite friendly and...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 04/13/2010
By:
Susan Corley

My 11 month Airedale pup has had several stomach issues lately. Some of these have been quite costly. Thanks to Embrace, the claims have been handled quickly and fairly. The Customer Service can't be beat. We are grateful.

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.