5
out of 5
POSTED: | BY: Charles Toy
Ease of use to file a claim
Ease of use to file a claim. This is the first caim I've submitted.
Read more on Trustpilot
4.9
out of 5
Number of reviews 18,260
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.
5
out of 5
POSTED: | BY: Michele Johnston
Brookville Vet Claim 03-20-2025
Embrace is always quick to reimburse our claims in a timely manner. Very. happy with their service.
5
out of 5
POSTED: | BY: Jennifer Belanger
Embrace Pet insurance is always on…
Embrace Pet insurance is always on point! The website is always so user friendly and it is easy to submit claims! So glad I went with Embrace.
5
out of 5
POSTED: | BY: Barbara
Embrace is the best pet insurance we've ever had
I cannot say enough about how much we count on Embrace to help us when our Sadie is ill. It has been a hard few weeks trying to figure out what is going on with her gall bladder and Embrace has been there for us during the multiple veterinary visits.
5
out of 5
POSTED: | BY: Catherine Wyatt
Easy to navigate the site
Easy to navigate the site. Spoke with Customer Support since I had a question. Very friendly and helpful and congratulated me on acquiring my puppy. Answered my question easily.
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
There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.
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.