from$16/mo
Best for: Owners who stay claim-free and want their deductible to shrink over time, plus flexible routine-care budgeting.
Insurer review
Embrace Pet Insurance review
Best for: Owners who stay claim-free and want their deductible to shrink over time, plus flexible routine-care budgeting.
Coverage terms at a glance
| Annual limits | $5,000 – $30,000 |
|---|---|
| Reimbursement | 70%, 80%, or 90% |
| Deductible | $200 – $1,000 annual, diminishing by $50 each claim-free year |
| Waiting periods | 2 days accidents, 14 days illnesses, 6 months orthopedic conditions (waivable with an orthopedic exam) |
Highlights
- Diminishing deductible drops $50 for every year without a claim reimbursement
- Wellness Rewards — a flexible routine-care allowance, not a capped schedule
- Exam fees for covered conditions included
Pros and cons
Pros
- Diminishing deductible rewards claim-free years
- Covers exam fees and prescription diets
- Orthopedic waiting period waivable with a vet exam
- Strong customer service reputation
Cons
- Maximum $30,000 annual limit — no unlimited option
- 6-month orthopedic waiting period unless waived
- Pets enrolled at 15+ are accident-only
- Wellness Rewards is a budgeting tool, not insurance
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Embrace Pet Insurance FAQ
How much does Embrace Pet Insurance cost per month?
Plans start around $16 per month for young, healthy dogs on basic configurations. Your actual quote depends on breed, age, location, deductible, and reimbursement level.
What are Embrace Pet Insurance's waiting periods?
2 days accidents, 14 days illnesses, 6 months orthopedic conditions (waivable with an orthopedic exam)
What reimbursement does Embrace Pet Insurance offer?
Embrace Pet Insurance offers reimbursement options of 70%, 80%, or 90%, with annual limits of $5,000 – $30,000 and deductible options of $200 – $1,000 annual, diminishing by $50 each claim-free year.