LaSnug
Embrace pet insurance review
A shrinking deductible that rewards claim-free years.
Embrace offers one flexible accident-and-illness plan with a distinctive Healthy Pet Deductible that drops each year you don't file a claim. It covers exam fees and offers an optional wellness-rewards add-on. It's best known for diminishing deductible. Owners who rarely expect to claim and want to be rewarded for it, or who value exam-fee coverage.
The good
- Deductible shrinks for every claim-free year
- Covers vet exam fees
- Optional Wellness Rewards budgeting add-on
- Covers many hereditary and breed-specific conditions
Worth noting
- Upper age limits may apply to new accident-and-illness policies
- Wellness is a separate add-on, not insurance
What Embrace covers
- Accidents and illnesses
- Exam fees, diagnostics and surgery
- Dental illness
- Optional Wellness Rewards for routine care
As with any accident-and-illness policy, pre-existing conditions are excluded and routine care is usually an optional wellness add-on. See what pet insurance covers for the full picture.
Who Embrace is best for
Owners who rarely expect to claim and want to be rewarded for it, or who value exam-fee coverage.
This is an affiliate link — we may earn a commission if you buy through it, at no extra cost to you. It never changes our review.
Compare with other insurers
- Lemonade review — lowest starting prices.
- Spot review — flexible coverage limits.
- Fetch review — comprehensive coverage.
- Pets Best review — direct vet pay.
- ManyPets review — no per-condition caps.
About this review
LaSnug is an independent information service, not an insurer, agent, or broker. Coverage features described here are general and can change — always confirm current terms, pricing, and availability directly with Embrace before buying. We may earn a commission from links on this page.
Embrace questions
Is Embrace pet insurance any good?
Embrace stands out for one thing above all: diminishing deductible. Embrace offers one flexible accident-and-illness plan with a distinctive Healthy Pet Deductible that drops each year you don't file a claim. It covers exam fees and offers an optional wellness-rewards add-on. Whether it's right for you comes down to your pet's age, breed, and how you weigh the trade-offs below — always compare at least one other insurer before deciding.
What does Embrace cover?
Embrace's plans typically include accidents and illnesses, exam fees, diagnostics and surgery, dental illness, and more. Like all standard pet insurance, pre-existing conditions are excluded and routine care is usually an optional add-on. Confirm the exact terms in the policy wording before buying.
Does Embrace cover pre-existing conditions?
No. Like every mainstream pet insurer, Embrace excludes conditions that showed signs before your policy started or during the waiting period. Insuring while your pet is young and healthy is the way to keep the most covered.