Embrace Pet Insurance review

Embrace takes the top spot because its standard policy covers more than most rivals before you add anything. Dental illness such as periodontal disease, extractions and tooth resorption is covered up to $1,000 per policy year, and vet-supervised behavioral therapy plus rehab treatments like acupuncture, hydrotherapy and physical rehab are included. You set an annual deductible between $100 and $1,000, a 70%, 80% or 90% reimbursement rate, and an annual limit from $2K up to unlimited. Accidents are covered from the moment the policy takes effect, and the illness waiting period is two weeks. Embrace may also cover curable pre-existing conditions once a pet has gone 12 months without symptoms or treatment, which helps owners of pets with a past ear infection or UTI. The trade-offs are add-ons: exam fee coverage and prescription drug coverage cost extra, so the advertised premium does not include everything a typical vet visit bills.

Who it is for

owners who want the broadest standard coverage

Price

Quote-based; Embrace says most dog owners pay $20 to $70 a month.

most Embrace dog parents pay between $20–$70/month
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Annual deductible from $100 to $1,000 and reimbursement of 70%, 80% or 90%
• Annual limits of $2K, $5K, $10K, $15K or unlimited
• Dental illness covered up to $1,000 per policy year with no add-on
• Vet-supervised behavioral therapy and rehab therapies included in the standard policy
• Free 24/7 telehealth and an optional exam fee add-on that pays $50 to $200 per visit

Strengths and weaknesses

• Strength: Curable pre-existing conditions may be covered after 12 months free of symptoms and treatment
• Strength: Behavioral therapy for anxiety, aggression and litter box issues is included
• Strength: Embrace says more than 90% of claims are paid in under 10 days
• Weakness: Vet exam fees need a paid add-on
• Weakness: Prescription drug coverage is an extra add-on
• Weakness: Wellness Rewards is a separate membership, not insurance, and is not sold in Rhode Island

Key facts

• Reimbursement: 70%, 80% or 90%
• Deductible: $100 to $1,000 per year
• Annual limit: $2K to unlimited
• Illness waiting period: Two weeks

Where it ranks

Embrace Pet Insurance is No. 1 in our Best Pet Insurance verdict.