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 9.8 9.6 9.3
Count 60 415 10061

Embrace Pet Insurance

10
Out of 10
Posted: 04/07/2010
By:
Laura Ottinger

I had investigated pet insurance for years. Spoken with people who had it, talked to vets who had information from their patients etc. and had never purchased it because of all the negative feedback and disgruntled people. When we got a new pup though I...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 04/06/2010
By:
Elizabeth Gomez

I decided to purchase insurance for my new puppy to ensure we would not run into high costs associated with a full breed dog. So far, the claims office has been extremely helpful and timely in responding to all claims and submissions. They even reminded...

Injury/illness
Claim Amount
Breed
Age of Pet
9
Out of 10
Posted: 04/06/2010
By:
Maxxie, SF CA

I just switched to Embrace last February for my almost 4 y/o pug.
I must say their notification process are very good. They email you to confirm receipt of claims and results of claims so you dont have to wonder whatever happened to it. You can also...

Injury/illness
Claim Amount
Breed
Age of Pet
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
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.