Embrace Pet Insurance Review 2026: Is It Worth It?
Embrace is one of the most flexible pet insurance providers in the US — with a unique diminishing deductible, optional wellness rewards, and broad coverage. We tested it thoroughly to see if it lives up to the hype.
Reviewed by the MyPawAdvisor Editorial Team
We analyzed policy documents, real claims data, and 1,000+ customer reviews to write this review.
🏆 MyPawAdvisor Verdict
Embrace is an excellent choice for pet owners who want flexibility. Its diminishing deductible rewards loyalty — every year you don't make a claim, your deductible drops by $50. The optional Wellness Rewards program adds preventive care reimbursements that most competitors don't offer.
Our Rating
4.7/5
Starting From
$13/mo
Reimbursement
Up to 90%
Annual Limit
Up to $30K
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What Is Embrace Pet Insurance?
Embrace Pet Insurance was founded in 2003 and is one of the older, more established pet insurers in the US. Based in Cleveland, Ohio, it's known for its customer service, flexible policy options, and unique features like the Healthy Pet Deductible — a diminishing deductible that rewards claim-free years.
What Does Embrace Cover?
✅ What's Covered
- • Accidents and injuries
- • Illnesses (cancer, diabetes, infections)
- • Surgeries and hospitalization
- • Prescription medications
- • Diagnostic tests (X-rays, MRI, bloodwork)
- • Emergency and specialty care
- • Hereditary and congenital conditions
- • Dental illness (not routine cleaning)
- • Behavioral therapy
- • Physical and chiropractic therapy
- • Prosthetics and orthopedic devices
❌ What's NOT Covered
- • Pre-existing conditions
- • Routine wellness (without add-on)
- • Elective procedures
- • Breeding costs
- • Experimental treatments
- • Food (even prescription diets)
- • Parasites (unless causing illness)
⭐ Embrace's Standout Feature: Diminishing Deductible
Embrace's "Healthy Pet Deductible" reduces your annual deductible by $50 every claim-free year until it hits $0. If you start with a $500 deductible and your dog stays healthy, after 10 years your deductible is $0. No other major pet insurer does this.
How Much Does Embrace Cost?
Embrace pricing is competitive and highly customizable. You set your annual deductible ($200–$1,000), reimbursement rate (70–90%), and annual benefit limit ($5,000–$30,000).
Typical Monthly Premiums (US Average)
| Pet | Age | Avg Monthly Cost |
|---|---|---|
| Dog (small breed) | 2 years | ~$28–$42 |
| Dog (large breed) | 2 years | ~$40–$65 |
| Dog (senior) | 8 years | ~$65–$110 |
| Cat | 2 years | ~$13–$22 |
Embrace vs. Healthy Paws: Which Is Better?
| Feature | Embrace | Healthy Paws |
|---|---|---|
| Annual Limit | Up to $30,000 | Unlimited |
| Reimbursement | 70–90% | 70–90% |
| Deductible | Annual (diminishing) | Annual |
| Wellness Add-On | ✅ Yes (Wellness Rewards) | ❌ No |
| Dental Illness | ✅ Yes | ✅ Yes |
| Behavioral Therapy | ✅ Yes | ❌ No |
| Waiting Period (illness) | 14 days | 15 days |
| Mobile App | ✅ Yes | ✅ Yes |
Bottom line: Choose Healthy Paws if you want unlimited annual coverage — ideal for breeds prone to expensive conditions. Choose Embrace if you want wellness reimbursements, behavioral therapy coverage, or the diminishing deductible feature.
Pros & Cons
✅ Pros
- •Diminishing deductible rewards loyalty
- •Optional Wellness Rewards program
- •Covers behavioral therapy
- •Highly customizable policy
- •Strong customer service reputation
- •Covers dental illness
❌ Cons
- •No unlimited annual option
- •Wellness Rewards is an add-on cost
- •Slightly higher base prices than some competitors
- •Annual limit caps at $30K
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