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 9.4 9.5 9.3
Count 81 529 9975

Embrace Pet Insurance

10
Out of 10
Posted: 10/29/2010
By:
Jan Ramos

Our 3 dogs, affectionately known as "The LabraMutts", were first insured by Embrace in June 2007. I was thrilled to find a company that allowed me to create a plan to fit our needs! I chose options that essentially was a major medical plan (accident and...

Injury/illness

Cancer

medically necessary euthanasia
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Over 8 years
8
Out of 10
Posted: 10/28/2010
By:
Theresa

I recommend Embrace.
I have had a comprehensive policy on my 9 year old cat for about a year. I have filed 4 claims in that time: a wellness claim for an annual exam, a dental cleaning with some minor issues, a senior exam (like an annual but this is an...

Injury/illness

Skin problem

dental, wellness
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Posted: 10/28/2010
By:
Susan Z. Robins

Outstanding customer service -- always polite, responsive, helpful, and thoughtful. The team is small enough so that I've developed relationships with several Embracers, but large enough where everything gets done, efficiently -- and on time! I've already...

Injury/illness
possible giardia
Claim Amount
$100 - $500
Breed

Poodle

Age of Pet
Under a year
10
Out of 10
Posted: 10/28/2010
By:
Duane Hein

We have and will continue to recommend Embrace to every pet owner we know. We have been nothing short of pleased with the service and response Embrace has consistently proven to us. We tell this to our vet every chance so he recommends Embrace to all...

Injury/illness
Vaccinations
Claim Amount
Under $100
Breed

Rottweiler

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.