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Home / Pets / Pet Insurance / Embrace
8.7 Tested Aug 25, 2026 by Team RankingRight

Embrace (Accident & illness + optional wellness) review 2026

Covers exam fees and dental illness, shrinks your deductible $50 for every claim-free year, and will re-cover a curable condition after twelve clear months

PriceFrom $47 · checked Sep 11, 2026
Labrador, age 247 $/mo
Cat, age 324 $/mo

Is the Embrace Worth It?

Most complete coverage. Embrace covers more of what a vet actually bills for than anyone here, and its shrinking deductible rewards the years you do not claim. The annual cap is the one thing Healthy Paws does better.

Embrace Pros & Cons

Pros
  • Exam fees, dental illness, behavioural therapy and prescription food all included
  • Healthy Pet Deductible drops your deductible $50 each claim-free year
  • Orthopaedic wait waived after an exam and a short questionnaire
  • Curable pre-existing conditions covered again after 12 symptom-free months
Cons
  • Annual limits from $5,000 to $30,000 rather than unlimited
  • Slightly pricier than Healthy Paws on our dog quote
  • Wellness Rewards is a spending account, not insurance

Embrace at a Glance

8.7 Editor Score
What is coveredAccidents, illness, hereditary and congenital conditions, dental disease, behavioural therapy, prescription food, exam fees — read from the policy, not the marketing page.
28/30
Limits & exclusionsAnnual or per-condition payout caps, age limits, waiting periods, how a pre-existing condition is defined and whether curable ones can be reinstated.
19/20
PriceMonthly premium for our four test pets at 80% reimbursement with a $500 deductible, and how much the premium rises with age.
14/20
Claims & payoutHow claims are filed, published processing times, direct payment to the vet, and complaint volume in state insurance filings.
17/20
Wellness & extrasOptional wellness plans, 24/7 vet lines, multi-pet discounts, deductible that shrinks in claim-free years.
9/10
Reader ratingNo reader ratings yet — not part of the score
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Own one? Rate it:

Rubric v1: What is covered 30 · Limits & exclusions 20 · Price 20 · Claims & payout 20 · Wellness & extras 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Embrace — $47

Best priceVisit Site

Embrace specifications

Our quote: 2-year-old Labrador47 USD/mo
Our quote: 3-year-old domestic cat24 USD/mo
Reimbursement options70–90%
Deductible options$200–$1,000, shrinking
Unlimited annual payoutNo ($5k–$30k annual)
Waiting periods2 days accident, 14 days illness, 6 months orthopaedic (waivable)
Exam fees coveredYes
Dental illnessYes, illness and extractions to $1,000
Direct vet paymentNo
Wellness add-onYes, Wellness Rewards
Upper age limit15 for full policies

Why it scored 8.7

Embrace covers more of what a vet actually bills for than anyone here, and its shrinking deductible rewards the years you do not claim. The annual cap is the one thing Healthy Paws does better.

Where it loses

Annual cap.

Still the right pick for

Owners who want exam fees and dental included.

Embrace8.7 · $47
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