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 9.2 9.5 9.3
Count 72 501 9923

Embrace Pet Insurance

10
Out of 10
Posted: 08/17/2010
By:
Sandy Rios

I appreciate Embrace and there attention to detail. They always answer my questions and all the employees are on the same page. My pet had a heartworm test done, I submitted the claim right at my vet's office and just got an e-mail stating I will get my...

Injury/illness
wellness
Claim Amount
Under $100
Breed

Labrador Mix

Age of Pet
Under a year
10
Out of 10
Posted: 08/17/2010
By:
Amy

My dog had a liver injury which has since been resolved. I was totally stressing about the reimbursement amount. The total of the bills I paid were about $2,750. My plan was a $500 ded, and a 10% copay. I got about $1,900 back to me. My policy didn't...

Injury/illness
Claim Amount
Over $1000
Breed

Poodle

Age of Pet
1 - 8
10
Out of 10
Posted: 08/15/2010
By:
Leticia Elisea

They are awesome. Initially just put my smallest dog on this because he's so small I was worried he'd get injured easily..well he didn't get injured but had a few other health issues come up..and they have been fantastic and walking me through the process...

Injury/illness

Skin problem

Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Posted: 08/15/2010
By:
Heather Sysol

I Recentally switched insurance companies and joined embrace. I was a little worried due to my past experience with my other insurance company. They would take days to call back regarding claims, the amount they said that I would be getting back was such...

Injury/illness
General wellness
Claim Amount
$100 - $500
Breed

Mixed Breed

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.