Embrace Pet Insurance review

Embrace has the broadest documented cover on this list. Its accident and illness plans include chronic and hereditary conditions, cancer, dental illness up to $1,000 a year, behavior therapy, and complementary treatments such as acupuncture and hydrotherapy. It can also cover pre-existing conditions it considers curable, which most insurers exclude outright. You pick an annual deductible from $100 to $1,000 and reimbursement of 70%, 80% or 90%. Exam fees and prescriptions are add-ons rather than built in, and a separate Wellness Rewards plan handles routine care. Embrace does not publish a starting price, but its cost page says most dog owners pay $20 to $70 a month and most cat owners $10 to $30. Pets can join from six weeks; dogs up to 14 can get accident and illness cover and older dogs accident-only. Embrace says more than 90% of claims are paid in under 10 days. There is a 10% multi-pet discount and a 5% military discount.

Who it is for

Owners who want broad cover, including rehab, behavior therapy and curable pre-existing conditions.

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Annual deductible from $100 to $1,000 and reimbursement of 70%, 80% or 90%
• Covers curable pre-existing conditions, acupuncture and rehab therapies
• Dental illness cover up to $1,000 per policy year
• Add-ons for exam fees and prescriptions, plus a Wellness Rewards plan
• Free 24/7 telehealth and a 30-day money-back guarantee

Strengths and weaknesses

• Strength: Curable pre-existing conditions can be covered
• Strength: More than 90% of claims paid in under 10 days, per Embrace
• Strength: Pets can enroll from six weeks, with accident-only cover for dogs 15 and older
• Weakness: Exam fees and prescriptions cost extra as add-ons
• Weakness: No published starting price; Embrace gives typical ranges instead
• Weakness: Dogs 15 and older can only get accident-only cover

Key facts

• Typical dog cost: Most owners pay $20 to $70 a month
• Typical cat cost: Most owners pay $10 to $30 a month
• Deductible: $100 to $1,000
• Reimbursement: 70%, 80% or 90%
• Enrollment age: From 6 weeks; no upper age limit

Where it ranks

Embrace Pet Insurance is No. 3 in our Best Pet Insurance verdict.