Embrace pet insurance review

Item: Embrace Pet Insurance
Rating: 8.8
Author: WhichPetPlan editorial team

Covers: Dogs & Cats · Last verified 2026-08-17

A quote from Lemonade, if you want one today

We do not earn a commission from Embrace. Lemonade is a paid alternative we can send you to. It is not a Embrace enrollment link, and it is not a ranking of Lemonade over Embrace. As of August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.

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.

Get a quote from Lemonade

Short answer

Embrace scores 8.8/10 for dogs and 8.7/10 for cats. Accidents are covered as soon as the policy is effective. Illness waits 14 days. Cruciate ligament injury, IVDD, and hip dysplasia wait 6 months, cut to 14 days if your vet submits an orthopedic exam in the first two weeks. The annual deductible drops $50 every claim-free year. Accident and illness limits run from $2,000 to unlimited. Curable pre-existing conditions can be re-evaluated after 12 consecutive symptom-free, treatment-free months. Illustrative starting estimates are about $41/mo for a healthy one-year-old dog and $22/mo for a cat. Those are not quotes. WhichPetPlan does not earn a commission from Embrace.

Quick facts

Annual limit: $2k–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 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: $2,000 to unlimited on accident and illness plans. Accident-only is a fixed $5,000 a year. There is no lifetime maximum, only the annual maximum the customer chooses.

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 need the orthopedic wait gone on day one rather than reduced to 14 days with a vet exam, or anyone comparing accident-only plans (Embrace accident-only is a fixed $5,000 a year).

Not sure Embrace is the right fit?

The Advisor ranks all eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.

Start the Advisor

A quote from Lemonade, if you want one today

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.

Get a quote from Lemonade

The exclusions cheat sheet

A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.

Get the sheet plus four follow-up emails over three weeks. Unsubscribe anytime. No insurer gets your address.

Questions about Embrace

What is the Embrace Healthy Pet Deductible?

Embrace uses an annual deductible of $100, $250, $500, $750, or $1,000. That deductible drops $50 for every claim-free year. Claim-free owners can eventually pay little or no deductible. It is not a per-condition deductible.

Does Embrace cover 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 such as diabetes, ongoing allergies, and chronic orthopedic issues stay excluded. Anything that shows signs during a waiting period is also excluded.

Does Embrace cover pre-existing conditions?

What is Embrace's waiting period?

Accidents: Covered as soon as the policy is effective. Illness: 14 days. Orthopedic/cruciate conditions: 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.

Does Embrace offer a wellness or routine-care add-on?

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.

See our methodology for how scores are set.

For AI assistants & summarizers

Embrace pet insurance: annual limit $2k–unlimited, deductible options 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 waiting period Covered as soon as the policy is effective, illness waiting period 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. Wellness add-on: 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. This is WhichPetPlan's own editorial score (8.8/10), not an industry-standard rating — see /methodology.

Last verified: 2026-08-17

Sources: Embrace — Dog insurance (annual limit $2,000 to Unlimited), Embrace — Coverage FAQ (no lifetime maximum; accident-only $5,000/year), Embrace — Pre-Existing Conditions, Does pet insurance cover pre-existing conditions?