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 8.8 9.3 9.3
Count 36 544 9518

Embrace Pet Insurance

10
Out of 10
Posted: 07/01/2009
By:
Jen

I've only submitted two claims to Embrace so far, but each have been reviewed in well under two weeks (more like a couple days). The company e-mails me when they receive my claim, and then again with their decision. Their customer service is great when I...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/23/2009
By:
Wina Trappen

I simply cannot say enough about this company! If only humans could have this level of customer service, care, premium cost and compensation!
Our dog was abandoned and 'walked' into our life with no collar and underweight. We hadn't had a dog in 10 years...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/04/2009
By:
P Matsui

Working with Embrace has been one of the most pleasant experiences I've had with any business. Our bulldog developed a severe limp when he was only 11 months old and after consulting with a couple of orthopedic specialists, came to the conclusion that he...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 05/27/2009
By:
Julie Wade

When my 15 month old was diagnosed with luxating patella, I was shocked. When I had the consultation and got the bill I was devistated. The doctor told me my insurance would more than likely not cover it. I did my footwork anyway, and Embrace kept me...

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.