Embrace is one of the oldest names in pet insurance in North America. It is known for Wellness Rewards, a routine-care plan that reimburses things like exams, vaccines and dental cleanings, and for a 24/7 pet health line where a real vet answers, video included. Curable pre-existing conditions come back into coverage after 12 months symptom-free, where most insurers exclude them for life.
Pros
- Wellness Rewards reimburses routine care
- 24/7 vet helpline with video chat
- Curable pre-existing conditions covered after 12 months symptom-free
- 10% discount for a second pet
The honest cons
- Wellness Rewards costs extra on top of the base plan and has annual limits
- Reimbursement percentage tops out at 90%
- Claims can take longer than the app-first insurers
Good fit for
Owners who want routine care in the deal, and owners of a pet with a curable condition most insurers would shut out forever.
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Real bills from real dogs
We don’t sell insurance and we don’t take a word of your information. But we know what a surprise vet bill feels like. Max ate a chicken bone out of the trash: $4,800. Rocco swallowed a stone: $12,000 with the checkups. Velvet broke her front leg in her own backyard: $8,400. All three dogs lived to tell it, and we paid all three bills out of pocket.