Embrace Pet Insurance

Why it is listed

Embrace is a U.S. accident-and-illness pet insurer. Public pages describe hereditary/congenital coverage in the base plan, dental illness up to $1,000/year, and optional Wellness Rewards. Exam fees are an add-on. Premiums vary; Embrace says most dog policies in 2026 fall between $20 and $70 a month.

Pros & cons

Pros

• Official coverage page includes hereditary and congenital conditions when they are not pre-existing.
• Dental illness (up to $1,000 per year on their coverage page) and vet-supervised behavioral therapy are described as standard on accident & illness policies.
• Wellness Rewards is an optional routine-care add-on; accident-only is described for dogs 15+.

Cons

• Exam fees and some prescription-drug coverage are described as optional add-ons, not automatically in every policy.
• Embrace’s 2026 cost page gives a typical dog range of $20–$70/month, not a single nationwide starting price.
• Claims are reimbursement-based; we did not independently time their 'lightning-fast claims' marketing.

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