Embrace Pet Insurance Review

Comprehensive pet insurance with an unlimited annual limit option, plus optional exam fee coverage and Wellness Rewards.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Embrace sells exam fee coverage as an optional add-on, and you can pick an annual limit from $2,000 up to unlimited. In most states, dog cruciate, IVDD, patella and hip conditions that show signs in the first 180 days are excluded for life. Plans start at $7.99 a month, with free 24/7 pet telehealth.

Skip it if you want exam fees covered without an add-on, or your dog may need orthopedic care soon.

About Embrace Pet Insurance

Comprehensive pet insurance with an unlimited annual limit option, plus optional exam fee coverage and Wellness Rewards. Embrace Pet Insurance is offered by Embrace Pet Insurance Agency. Our editorial rating is 4.6 out of 5.

Best for: Pet owners who want a high or unlimited annual limit, with exam fee coverage as an option.

Editorial grade: A- (composite score 87/100).

Highlights

Annual limit choices from $2,000 up to unlimited
Exam fee coverage available as an optional add-on
3-tier Wellness Rewards add-on for routine care (up to $700/year)

What we like

Dental illness covered up to $1,000/year
Reimbursement of 70%, 80% or 90%, deductibles from $200 to $1,000
Free 24/7 pet telehealth (PawSupport) included

Where it falls short

Exam fees not covered unless you add exam fee coverage
Dogs: cruciate, IVDD, patella and hip conditions showing signs in the first 180 days are excluded for life in most states

Fees, minimums, and rates

Monthly fee: From $7.99/month. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Embrace Pet Insurance Agency. It is built from Embrace Pet Insurance Agency's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Pet Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.