Embrace Pet Insurance review

Underwritten by American Modern Insurance Group · Updated 2026-11-09

8.8

Very good

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What's covered, and what isn't

The key terms of a Embrace plan. Tap the source under any item to see the exact wording, or read the full Embrace sample policy.

Accident waiting period

None (0 days). Kansas and South Carolina (v5 terms): 2 days

Embrace policyPolicy text

“Accidents (no Waiting Periods apply).”

Open document, PART III - COVERAGEretrieved 2026-11-09

Illness waiting period

14 days

Embrace policyPolicy text

“Illness Waiting Period is the fourteen (14) day period of time where the policy's Coverage is restricted.”

Open document, PART I - DEFINITIONSretrieved 2026-11-09

Knee & hip (orthopedic) wait

180-day window for dogs (cruciate ligament disease, IVDD, patellar luxation, hip dysplasia): signs in the first 180 days = excluded for life. Kansas and South Carolina (v5 terms): 6-month wait for dogs instead

Embrace policyPolicy text

“The following canine Orthopedic conditions that occur or show Clinical Signs during the first 180 days after the Pet Original Start Date are excluded and are Pre-existing Conditions for the life of the policy”

Open document, PART IV - EXCLUSIONSretrieved 2026-11-09

Pre-existing conditions

Excluded. Temporary (curable) conditions free of signs and treatment for 12 consecutive months are no longer pre-existing.

Embrace policyPolicy text

“Temporary Conditions that started prior to the end of the Illness Waiting Period that have not shown any Clinical Signs or received Treatment for a period of twelve (12) consecutive months shall not be considered Pre-existing Conditions.”

Open document, PART IV - EXCLUSIONSretrieved 2026-11-09

Dental illness

Covered, conditional: $1,000 annual sub-limit; pre-existing dental signs (tartar, plaque, gingivitis) block cover until treated; dental prophylaxis never covered

Embrace policyPolicy text

“We will reimburse you for eligible Veterinary Treatment expenses caused by Dental Illness, in excess of the Deductible amount, subject to Reimbursement Percentage requirements and a $1,000 Annual Maximum sub-limit, for all Treatment(s).”

Open document, PART III - COVERAGEretrieved 2026-11-09

Deductible

Annual, per pet. Options not in policy.

Embrace policyPolicy text

“Deductible is the annual amount you pay per Pet for Treatments covered by this policy before we begin to reimburse you.”

Open document, PART I - DEFINITIONSretrieved 2026-11-09

Annual limit options

$2,000 / $5,000 / $10,000 / $15,000 / $30,000 / unlimited

Embrace websiteWebsite text

“Six annual limits to choose from - $2,000, $5,000, $10,000, $15,000, $30,000 or unlimited.”

Open document, web pageretrieved 2026-11-09

Maximum enrollment age

Accident & illness: under 15 years. 15+ = accident-only plan.

Embrace websiteWebsite text

“Pets who are too old (15 years or older) for full accident and illness coverage can be covered by an accident-only policy”

Open document, web pageretrieved 2026-11-09

Where the Embrace website and policy differ

Embrace Pet Insurance

Accident waiting period

The website says

“All Embrace insurance policies have a 14-day waiting period for illnesses, while accident coverage starts on your policy's effective date”

Embrace Pet Insurance website

The policy says

“Accidents (no Waiting Periods apply).”

Policy

Why it matters: Embrace still publishes v5 terms (mapped to Kansas and South Carolina) that set a 2-day accident wait: 'the time period is two (2) days for Accidents and fourteen (14) days for Illnesses, except for Orthopedic conditions for dogs where the Waiting Period is six (6) months.' The marketing page says 'All Embrace insurance policies' start accident coverage on the effective date.

Embrace Pet Insurance

Deductible

The website says

“Choose your annual deductible - $200, $300, $500, $750, or $1,000.”

Embrace Pet Insurance website

The policy says

“Deductible is the annual amount you pay per Pet for Treatments covered by this policy before we begin to reimburse you.”

Policy

Why it matters: The same Embrace comparison page also says 'Embrace provides deductibles from $100 up to $1,000', which does not match its own $200-$1,000 list. A 'diminishing deductible' was not found on any current Embrace page.

What Embrace customers say

What customers say

“Embrace Pet Insurance is super affordable. Thanks to USAA recommending them to us. We use our wellness coverage for grooming to meds. Very easy to summit a claim. Thanks Embrace!!!!! Keep up the great work!!!!!”
Eduardo R. · Trustpilot review
“My 3 year old dog has lymphoma and is undergoing chemotherapy. The care has been expensive but thankfully Embrace Pet Insurance has approved and paid claims very quickly. They have exceeded my expectations!”
Paula · Trustpilot review

Compare Embrace with

Embrace vs Fetch Embrace vs MetLife

Embrace: common questions

How long is the Embrace waiting period?+

In the policy document we read: accidents, None (0 days). Kansas and South Carolina (v5 terms): 2 days; illness, 14 days; knee and hip conditions, 180-day window for dogs (cruciate ligament disease, IVDD, patellar luxation, hip dysplasia): signs in the first 180 days = excluded for life. Kansas and South Carolina (v5 terms): 6-month wait for dogs instead. Waiting periods can differ by state.

Does Embrace cover pre-existing conditions?+

Excluded. Temporary (curable) conditions free of signs and treatment for 12 consecutive months are no longer pre-existing. (from the Embrace policy document).

Does Embrace cover dental disease?+

Covered, conditional: $1,000 annual sub-limit; pre-existing dental signs (tartar, plaque, gingivitis) block cover until treated; dental prophylaxis never covered (from the Embrace policy document).

Is there an age limit to enroll with Embrace?+

Accident & illness: under 15 years. 15+ = accident-only plan.. This comes from the Embrace website; the policy document leaves it to the declarations page.

This page reads a sample Embrace policy. Terms vary by state and change over time. It is not insurance advice, and we are not an insurance agent. No insurer pays us today.