See RatesSecure site · Updated July 2026
- Avg. monthly premium
- $35/mo
- Reimbursement
- 70/80/90%
- Annual limit
- $5k-$30k
- Waiting period
- 14 days illness
Why it stands out
Embrace highlights
- Healthy Pet Deductible cuts $50 off for each claim-free year
- Wellness Rewards reimburses routine care at 100% up to a set amount
- Covers dental illness, not just accidents, when enrolled early
- Diminishing deductible can eventually reach zero
The verdict at a glance
Pros and cons
Pros
- Rewards claim-free years with a shrinking deductible
- Flexible Wellness Rewards covers grooming and training too
- Strong dental-illness coverage compared with rivals
Cons
- Pets over 15 are limited to accident-only coverage
- Wellness Rewards is a flat allowance, not true insurance
- Annual limits top out lower than some competitors
Our full review
Our take on Embrace
Embrace knocks $50 off your deductible for every year you go without a claim, rewarding owners of healthy pets who rarely file. Its optional Wellness Rewards works like a spending account for routine care, reimbursing vaccines, grooming, and training at 100%.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Embrace’s own site before you apply.
The alternatives
How Embrace compares
Other top-rated insurers in Pet Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Lemonade | $29/mo | Owners who want cheap premiums and fast payouts | Get Quote | |
| 2 | Healthy Paws | $42/mo | Owners who never want to hit an annual cap | See Rates | |
| 3 | Spot | $38/mo | Owners who want to dial in their own plan | Get Quote | |
| 4 | Trupanion | $59/mo | Owners who can't front a big vet bill | Get Quote |
- Lemonade4.8Best for Owners who want cheap premiums and fast payouts
- Healthy Paws4.7Best for Owners who never want to hit an annual cap
- Spot4.5Best for Owners who want to dial in their own plan
- Trupanion4.3Best for Owners who can't front a big vet bill