Best for older pets — covers more pre-existing-adjacent conditions than competitors.
Get started at Embrace → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Older pets (5+ years) and owners who want a wellness rewards option.
Embrace Pet Insurance — Best for older pets — covers more pre-existing-adjacent conditions than competitors. Best for: Older pets (5+ years) and owners who want a wellness rewards option.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
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.
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.
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.
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.
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.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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