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 126 793 9392

Embrace Pet Insurance

10
Out of 10
Posted: 09/15/2009
By:
A. Kimmel

It has been an incredible experience to deal with Embrace over the last few months. Our 15 month old Golden Retriever was diagnosed with bilateral elbow displasha that required surgery. Both our vet and orthopedic specialist were doubtful about the...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 09/15/2009
By:
Sheri

What a year we have had. First my then 11 month old Lab (Kaiya) required surgery on her leg. Now just 7 months later my 4 year old Lab (Kiara) required shoulder surgery.
I submitted my pre-cert claim for Kaiya and received a very fast response approving...

Injury/illness
Claim Amount
Breed
Age of Pet
9
Out of 10
Posted: 09/12/2009
By:
Melissa

I have worked for a vet for almost 10 years, so I never needed insurance for any of my pets. I will be leaving him to relocate this year. So, not knowing where the closest vet would be and where I would be working, we decided to get pet insurance. I...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 08/18/2009
By:
Kyna McCarley

I'd like to commend Embrace pet Insurance on the wonderful service they provide to those of us who love our pets and consider them family members. We have historically spent tons of money on our pets and decided to insure our latest puppy, Ollie, who is...

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.