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Provider profile
Reviewed September 2026

Embrace pet insurance

Embrace Pet Insurance

Customizable accident-and-illness coverage with 70%, 80% or 90% reimbursement, annual-limit options from $2,000 to unlimited, dental illness and behavioral coverage, plus optional exam-fee, prescription and wellness benefits.

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Plan Snapshot

Core policy structure

Data reviewed September 2026

CoverageAccident & illnessEligible accidents, illnesses, chronic conditions, cancer, dental illness, hereditary and congenital conditions.

Reimbursement70% / 80% / 90%Selected when configuring coverage.

Deductible$200–$1,000Annual deductible paid once per policy term.

Annual limit$2K–UnlimitedMaximum annual reimbursement selected with the policy.

Claims modelReimbursementUse any licensed U.S. vet, then submit eligible claims through the app or online.

Waiting periods14 days for illnessAccident coverage starts on the effective date; orthopedic waiting rules vary by state.

Core coverage

Several major benefits are built into the base policy

Embrace includes dental illness, behavioral care and complementary treatments within its accident-and-illness coverage, subject to policy terms and applicable limits.

IncludedDental illnessEligible dental illness treatment is included up to $1,000 per policy year. Dental accidents and trauma are subject to the broader policy maximum.

IncludedBehavioral therapyEligible veterinarian-supervised behavioral diagnosis and treatment are included under current accident-and-illness materials.

IncludedComplementary treatmentsEligible acupuncture, chiropractic care, hydrotherapy, physiotherapy and therapeutic laser treatment are included for covered conditions.

IncludedHereditary & congenital conditionsEligible breed-specific, congenital and genetic conditions are covered when they are not pre-existing.

Optional coverage

Exam fees, prescriptions and routine care

Embrace offers optional benefits that can extend the core policy and a separate Wellness Rewards membership for routine and preventive expenses.

Exam-fee coverage

Coverage for eligible exam or office-visit fees can be added to the policy. It is not included on every policy automatically.

Prescription coverage

Prescription-drug coverage is available as an option for medications used to treat eligible covered conditions.

Wellness Rewards

An optional non-insurance membership that reimburses selected preventive, veterinary, grooming and training expenses.

$300, $500 or $700 wellness levels

Current Wellness Rewards options provide annual benefit amounts of $300, $500 or $700, with the full selected amount available from day one.

Routine dental and preventive care

Wellness Rewards can be used for eligible preventive dental cleaning, vaccines, wellness exams, parasite prevention and other routine services.

Claims & reimbursement

Annual deductible, then reimbursement

Embrace subtracts the annual deductible before applying the selected reimbursement percentage to eligible covered charges.

How reimbursement is calculated

The reimbursement amount depends on eligible charges, the remaining annual deductible, the selected reimbursement percentage and the remaining annual maximum.

(Eligible covered charge − remaining annual deductible) × reimbursement percentage = eligible reimbursement

Policy details

What to know before enrolling

Illness waiting periodEmbrace currently states that illness coverage has a 14-day waiting period from the policy effective date.

Accident coverage timingCurrent Embrace materials state that accident coverage starts on the policy effective date.

Orthopedic waiting rulesOrthopedic waiting periods apply to dogs and vary by state. In some states, an orthopedic exam can reduce the waiting period.

No lifetime maximumEmbrace states that its plans use an annual maximum rather than a lifetime payout maximum.

Any licensed U.S. vetCurrent materials state that policyholders may use any licensed veterinarian, emergency hospital or specialist in the United States.

DiscountsEmbrace currently advertises a 10% multi-pet discount and a 5% military discount where available, subject to state and program terms.

Ready to see your Embrace price?

Your quote depends on your pet, location and selected coverage.

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Sources used for this profile

Embrace: Pet Insurance CoverageCore accident-and-illness benefits, dental illness, hereditary conditions and complementary treatments.

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Embrace: Dog Insurance CoverageCurrent annual-limit, deductible and reimbursement options plus claims and discount information.

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Embrace: Waiting PeriodsCurrent illness, accident and state-specific orthopedic waiting-period information.

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Embrace: Wellness RewardsOptional wellness membership, eligible routine-care expenses and current $300 / $500 / $700 benefit levels.

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Embrace: Coverage FAQAnnual deductible, annual maximum, reimbursement calculation and optional exam-fee coverage.

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