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.
I have had the very best experiences with embrace from the minute i signed up. I love how everyone i speak with is kind and helpful. And the claims turn around quickly. If i have a question there are very responsive and helpful.
Never before was I reimbursed for annual visits to the vet, TILL NOW !!!
Last month I switched from another company to Embrace Pet Insurance, because I wanted to see if I had the best price and most comprehensive policy. As it turned out, I wasn’t. With Embrace, now I am, & paying less for the same policy, PLUS, now she has a Wellness Plan.
The Wellness Plan covers yearly vaccinations, medications, & even grooming, up to how much you choose. Never before have we gotten reimbursed for all this. It all came out of pocket, but never back in.
Today, I brought my service dog, Sandy Rose, to get her 10,000 mile (yearly) check-up and vaccinations. Knowing how much check-ups, vaccinations, & monthly heartworm meds and tick/flee drops cost, I got the $500 Wellness Plan.
I submitted the claim online, which covered nearly everything. And, because I got from the vet 12 months of tick/flee chewables, there was a significant rebate.
All tolled, I am getting reimbursed EVERYTHING!!! For Sandy Rose’s visit, I’m not paying a penny. And, since I set-up Direct Deposit with Embrace, instead of waiting 2 weeks for a check to come in the mail, I’ll be getting reimbursed in 2 Days. That’s Amazing!!!
I’m sure glad I decided to check out other pet insurance companies and even happier that I went with Embrace.
Thank You, Embrace.
I adopted 2 corgi puppies
I spent 3 days researching pet insurance companies. I chose Embrace as the customer service reps were kind and appeared to be knowledgeable. I wanted insurance that wad to begin immediately. Even though embrace wad the most expensive, I was told it was effective immediately. I had already set up apt. With vet for 03/18/2025.,that same day. When I was emailed policy I noticed date effective was listed as 03/20/2025. I called and was put on hold. I was told that the wellness exam begins immediately but illness and injury begins. 03/20/2025.
I copied vet bills and emailed them to Embrace. Next day I receive email stati g bills are not clear. Really I can read them. I took another photo of bill and emailed. Today I receive email stating since insurance is not effective until 03/20/25, insurance will not cover wellness. I am paying extra for wellness for both dogs. It appears agents are kind but do not know what is covered and when it begins. This is a scam. I wasted time and am truly aggravated. Do your due diligence before closing any pet insurance. I have requested they reimburse the $252.00 billemy visa. Awaiting responce.
Submitting claims via the website is simple and the company has covered what was in the policy. Their response to claims has been quick. I would definitely recommend this company to other pet owners.
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.
