Embrace pet insurance review
Embrace scores 8.8/10 in our rankings. For dogs, it's best for owners who rarely claim Your deductible drops $50 every claim-free year — but the annual cap is the lowest of our top picks. For cats, it's best for indoor cats who rarely claim Deductible falls every claim-free year — the lowest annual cap among our picks. Quotes for a healthy one-year-old animal typically start around $41/mo for dogs or $22/mo for cats, but your actual price depends on breed, age, ZIP code and the deductible/reimbursement combination you pick — treat that number as a starting point, not a quote.
Quick facts
- Annual limit
- $30k
- Deductible
- Annual, $100 to $1,000 ($100/$250/$500/$750/$1,000). Drops $50 for every claim-free year via the Healthy Pet Deductible.
- Reimbursement options
- 70%, 80% or 90%
- Accident / illness wait
- Covered as soon as the policy is effective / 14 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: $5,000, $8,000, $10,000, $15,000 or unlimited
Deductible: Annual, $100 to $1,000 ($100/$250/$500/$750/$1,000). Drops $50 for every claim-free year via the Healthy Pet Deductible.
Reimbursement: 70%, 80% or 90%
Wellness / routine care: Yes — the optional Wellness Rewards add-on gives a $250 or $450 annual allowance toward routine care, including things most insurers exclude like grooming, nail trims and nutrition consults.
Waiting periods
- Accidents: Covered as soon as the policy is effective
- Illness: 14 days
- Orthopedic / cruciate: 6 months for cruciate ligament injury, IVDD and hip dysplasia — cut to 14 days if your vet performs an orthopedic exam and submits it within your first two weeks
Pre-existing conditions
Curable pre-existing conditions (like an old ear infection or a one-off bout of vomiting) can be re-evaluated and covered again after 12 consecutive symptom-free, treatment-free months. Chronic conditions — diabetes, ongoing allergies, chronic orthopedic issues — stay excluded for good. Few competitors distinguish curable from chronic this explicitly.
Who Embrace is not for
Owners who want the lowest possible cap — $30,000 lifetime nationwide, well behind Healthy Paws or Trupanion’s unlimited options — or anyone who needs the orthopedic wait gone on day one rather than reduced to 14 days.
Questions about Embrace
Some links here are partner links. If you buy through one, the insurer may pay us a fee — it never changes your premium and it never changes a ranking. See our methodology for how scores are set.