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 9.6 9.5 9.3
Count 47 562 9778

Embrace Pet Insurance

10
Out of 10
Posted: 04/06/2010
By:
Ragan

Making the decision to switch from my previous pet insurance to Embrace has been THE BEST decision I've made for my furry babies! Having twin Shepherds means double the expense on routine shots...opting for the wellness package was SUCH a smart choice...

Injury/illness
Claim Amount
Breed
Age of Pet
9
Out of 10
Posted: 04/06/2010
By:
Marc R, Scarsdale, NY

We had just signed up with Embrace when our puppy (Maltipoo) contracted an infection. While it took some time to get his paperwork over to Embrace due to mail and email issues, everyone at the company was fantastic to speak to and to work with. Embrace's...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 04/05/2010
By:
Jenn R

I researched several pet insurance companies before finally deciding on Embrace. I found their options and pricing to be very competetive, and if you take the time to read the fine print for all of the companies, you will find that Embrace definitely has...

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.