Embrace Pet Insurance Review 2026

Is Embrace the right nationwide pet insurance for your dog or cat? We break down coverage, costs, claims, pros/cons, and real customer experiences in this independent 2026 review.

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Embrace at a Glance (2026)

Up to 90%

Reimbursement

Unlimited

Annual Limit

$65–$90

Avg. Monthly (Dog)

5–10%

Healthy Pet Discount

Pros & Cons of Embrace Pet Insurance

Pros

5–10% Healthy Pet Discount if no claims
Coverage for behavioral issues & alternative therapies
Customizable deductibles ($100–$1,000)
Direct deposit claims (fast reimbursement)
Available nationwide in all 50 states

Cons

6-month orthopedic waiting period (reducible with exam)
No direct vet pay (reimbursement only)
Premiums higher for older pets
Pre-existing conditions excluded

What Does Embrace Cover?

Embrace offers accident & illness plans with optional wellness add-ons. Key coverages include:

Accidents (broken bones, ingested objects, emergency care)
Illness (cancer, infections, hereditary conditions)
Behavioral therapy (anxiety, training)
Alternative therapies (acupuncture, chiropractic)
Prescription medications
Exam fees (optional add-on)

Note: Pre-existing conditions are excluded (even curable ones after waiting period). No upper age limit.

Average Costs & Real Example

For a 5-year-old medium dog (unlimited coverage, $500 deductible, 90% reimbursement):

$65–$90 per month

Real claim example: $6,000 hip surgery for a Weimaraner → Embrace reimbursed ~$5,400 after deductible (90%).

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Disclosure: We may earn a commission if you sign up via our links at no extra cost to you. We are an independent review site.