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 9.1 9.3 9.3
Count 38 587 9495

Embrace Pet Insurance

10
Out of 10
Posted: 06/20/2007
By:
Pete Siemsen

It happens that I made a large claim a few months after I started a policy with Embrace. There were no problems at all. It's a great company!

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/20/2007
By:
Angela

I just filed my first claim, and it was incredibly easy. I was almost shocked when I found out that you CAN actually get a REAL PERSON on the phone. They even answer e-mails usually in the same day. Their communication is excellent.
I think I pay maybe $5...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/20/2007
By:
Norma & Rich Kern

Embrace has been just wonder to us. Claims are paid quickly and we have never had any problems getting any help we need from you. I was most impressed by how much you all seemed to care about "Storm". As you know his injuries were terrible. I remember...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/19/2007
By:

I had to find good coverage at an affordable price for my two beloved pets! The claim service was excellent in turn around time. On top of this, there has not been one time that customer service had not only been professional, courteous and...

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.