reimbursement70%, 80%, or 90%
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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Related reading
Embrace Pet Insurance FAQ
How much does Embrace Pet Insurance cost per month?
We don't publish a price for Embrace Pet Insurance, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. Embrace Pet Insurance is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
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.