Discounts & Savings

It’s easy to save on your accident and illness policy. Just answer the questions during the quoting process honestly, and discounts are added automatically!

Plus, some discounts can be combined for up to 25% off in most states. Please note: Discounts may vary and are subject to change based on state approvals.

Healthy Pet Deductible

With the Healthy Pet Deductible, your annual deductible automatically goes down $50 each year you don’t receive an accident or illness claim reimbursement.

The Healthy Pet Deductible is included with every policy at no extra cost, and is the best diminishing deductible feature available from any pet insurance company.

How the Healthy Pet Deductible Works

Let’s say your cat has a $200 annual deductible:

• Year 1: You don’t receive a claim reimbursement for an accident or illness = $50 credit

• Year 2: Still no claim reimbursement = $50 credit ($100 total)

• Year 3: Your cat gets sick and you submit a claim for $1,200. Your $200 deductible is reduced to $100 because of the Healthy Pet Deductible credit.

• Year 4: Your deductible resets to $200 because the credit was used

When your pet’s annual deductible is decreased to $0, that’s as low as it can go. Your Healthy Pet Deductible credit is automatically applied when you’re eligible for reimbursement.

Once you get an insurance reimbursement that's more than your current Healthy Pet Deductible credit, the Healthy Pet Deductible credit starts over at zero for your next policy year.

Please note: The Healthy Pet Deductible only applies to accident and illness claims. Wellness Rewards† claims are handled separately and don't impact the Healthy Pet Deductible credit. 

10% Multiple Pet Discount 

Available for policies with two or more pets — because the only thing better than more than one pet is saving money on your pet insurance. It’s added automatically so you don’t have to do a thing.

5% Military Discount

We appreciate the sacrifice military members have made, and offer a discount to active and former members of the U.S. Air Force, Army, Marines, Navy, or Coast Guard. Proof of status is required after purchase.

The military discount is not available in NY or TN.

10% Employee Benefits Discount

If your company or clinic offers Embrace Pet Insurance as a voluntary employee benefit, you may be eligible for a discount. Check with your HR team to see if your company is partnered with Embrace. If you’re an HR manager or employer looking for details, check out our Employee Benefits program.

The employee benefits discount is not available in FL, NY, TN or ND.