Embrace Pet Insurance Review (2026)
Embrace is a well-established accident-and-illness insurer best known for its diminishing deductible (Healthy Pet Deductible) and solid dental coverage.
What Embrace covers
Embrace covers accidents, illnesses, surgeries, diagnostics, dental illness, and breed-specific conditions. Its Healthy Pet Deductible reduces your deductible by $50 each year you don't file a claim. An optional Wellness Rewards plan reimburses routine care.
Pros
- Diminishing deductible rewards claim-free years
- Strong dental illness coverage
- Covers breed-specific and genetic conditions
- Optional Wellness Rewards for routine care
Cons
- Upper age limit for new accident-and-illness enrollment (older pets may only get accident-only)
- Pre-existing conditions excluded
- Wellness is a separate paid plan
Who Embrace is best for
Owners who want robust illness and dental coverage and like being rewarded for claim-free years.
How Embrace compares
Premiums and coverage vary by pet, breed, age and your state — see how Embrace stacks up against other insurers in our full comparison, or check average costs in your state.
What is Embrace's diminishing deductible?
Your annual deductible drops by $50 for each year you don't receive a claim reimbursement.
Does Embrace cover dental?
Yes — dental illness is covered; routine cleanings fall under the optional Wellness Rewards plan.