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 38 591 9494

Embrace Pet Insurance

10
Out of 10
Posted: 06/23/2008
By:
Lynn Hofer

I recently changed from VPI to Embrace. The weekend after my 15 day waiting period was up I noticed something wrong with my pet's eye. A visit to the vet began an on going amount of visits to an eye specialist and neurologist. Embrace had to process my...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/23/2008
By:
Claudia Kay Williams

I have been so very pleased with Embrace insurance company. Their correspondence is kind and quick. There are no unwanted surprises! They follow through and do exactly what they say they will do. I am recommending this company to everyone I know, and I...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 05/29/2008
By:
Jaimee

Their service is impeccable. They are thorough, attenttive, honest, and upfront. They are the answer to the healthcare crisis in this country. Of course, I'd prefer if dental and drugs were covered in the annual plan...but I'm sure there was an option...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 05/23/2008
By:
Sheilah DeVore-Gieseman

This was the first time my husband and I had ever tried pet insurance and we were not expecting much! We submitted a claim and were asked for more info. Our claim was completed quickly and fairly. Our claims adjuster was pleasant and we could actually...

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.