Embrace
Embrace Pet Insurance Review 2026
Best for older pets — covers more pre-existing-adjacent conditions than competitors.
Who Embrace Pet Insurance is best for
Older pets (5+ years) and owners who want a wellness rewards option.
At a glance
- Reimbursement
- 65/70/80/90%
- Deductible
- $200–$1,000
- Wellness Rewards
- Available
- Eligibility
- Up to 14 yrs
Wider tier menu than most
Annual
Wellness add-on with rollover
At enrollment
Pros
- +More flexible underwriting for older pets — accepts up to 14 years at enrollment
- +Curable pre-existing conditions can become covered after 12-month symptom-free period
- +Wellness Rewards add-on with annual benefit rollover for unused amounts
- +Diminishing deductible — reduces by $50 per claim-free year
Cons
- −Standalone premium often higher than Lemonade for similar coverage
- −Annual payout cap (varies by plan) — not unlimited like Healthy Paws
- −Reimbursement on actual bill, not benefit schedule (advantage in expensive markets)
Embrace Pet Insurance requirements
- Available in all 50 states + DC
- Pets must be 6 weeks – 14 years at enrollment
Embrace Pet Insurance alternatives
Top alternatives worth comparing from Best Pet Insurance Companies 2026.
Lemonade
Lemonade Pet Insurance
Young healthy pets in supported states; owners who want an app-only experience.
Healthy Paws
Healthy Paws Pet Insurance
Owners who want unlimited annual + lifetime coverage caps and a strong claims track record.
Trupanion
Trupanion Pet Insurance
Owners who want zero out-of-pocket vet payment and the most generous chronic-condition coverage.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Embrace→Last verified at the issuer on 2026-06-09
The full lineup
See all picks in Best Pet Insurance Companies 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Embrace Pet Insurance scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Older pets (5+ years) and owners who want a wellness rewards option.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Embrace Pet Insurance
Who is Embrace Pet Insurance best for?+
Embrace is geared toward older pets (5+ years) and owners who want a wellness rewards option, since its underwriting accepts pets up to 14 years at enrollment and it offers a Wellness Rewards add-on.
Can Embrace cover pets with pre-existing conditions?+
Embrace treats curable pre-existing conditions differently than many insurers — a curable condition can become covered after a 12-month symptom-free period. Incurable pre-existing conditions are generally still excluded, so confirm specifics with Embrace directly.
What reimbursement and deductible options does Embrace offer?+
According to the plan data, Embrace offers reimbursement tiers of 65%, 70%, 80%, or 90% and annual deductibles ranging from $200 to $1,000 — a wider tier menu than most competitors.
How does Embrace's diminishing deductible work?+
Embrace reduces your annual deductible by $50 for each claim-free year, lowering your out-of-pocket threshold over time the longer you go without filing a claim.
Is there a payout cap on Embrace policies?+
Yes — Embrace policies carry an annual payout cap that varies by plan, rather than the unlimited caps offered by some competitors. Reimbursement is based on your actual vet bill, not a benefit schedule, which can be an advantage in higher-cost markets.
How do I apply for Embrace Pet Insurance?+
You apply directly through Embrace's website (embracepetinsurance.com). Pets must be between 6 weeks and 14 years old at enrollment, and coverage is available in all 50 states plus DC. ClearValue is an independent platform and does not issue or sell the policy.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.