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

2
Out of 10
Posted: 01/09/2009
By:
Ed Mauss

I submitted my first claim to Embrace on 12/8/08 and it has not yet been processed. Looks like the typical delay tactic of insurance companies. I am switching to VPI.

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 01/05/2009
By:
Heather

OK, so this is not the first pet insurance carrier I've tried so I speak with experiance in which company I think is the best, and its by far, Embrace.
Things I like most are:
1. There is an actual person that answers the phone and addresses your...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 01/02/2009
By:
Wendy

After the loss of our 19 yr old and later our 14 yr old cats we thought about buying pet insurance on our newly adopted 1 yr old cat. We compared the common pet insurance carriers, their policies and payout for illness/accident coverage and came across...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 12/24/2008
By:
Jenny

Embrace is very easy insurance to buy and to use. If you have a pure-bred dog, there's absolutely no reason NOT to choose embrace since it's the only company willing to cover breed-specific conditions. So far, we've had a couple of claims and the...

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.