Embrace Pet insurance

Founded in 2003 and headquartered in Ohio, Embrace primarily offers accident & illness pet insurance for cats and dogs. It doesn't position itself as the cheapest option, but rather offers broader coverage, making it suitable for pet families who want protection for illnesses, accidents, and some commonly overlooked items.

Embrace's standout feature is the Healthy Pet Deductible. Simply put, if no claim is submitted in a given policy year, the deductible for the next year is reduced by $50. This is particularly beneficial for pet owners whose pets are currently healthy but want to be prepared with insurance in advance. Even if you don't use the insurance regularly, the deductible has the potential to decrease year by year; and when faced with a large bill, your out-of-pocket costs may be lower than initially expected.>>Get a free quote from Embrace

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Embrace's accident & illness policy covers a relatively wide range, including accidents, illnesses, chronic conditions, hereditary/breed-related conditions, cancer, diagnostic tests, surgery, hospitalization, and prescription medications. A notable plus is that Embrace also covers dental illness, behavioral therapy, and alternative therapies, typically without requiring an additional fee to purchase these modules separately. For pets prone to dental issues, anxiety-related behaviors, or those needing rehabilitation therapy, this is much more practical than some basic insurance plans.

Wellness Rewards are available for routine care expenses such as check-ups, vaccinations, teeth cleaning, deworming, spaying/neutering, and microchipping.

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• Who is better suited for Embrace 

Pet families looking for "broader coverage, optional routine care, and the ability to lower the deductible during healthy years." It is not the cheapest choice, but the inclusion of dental illness, behavioral therapy, alternative therapies, and the Healthy Pet Deductible does offer a distinct advantage.

If your cat or dog is still young, has a clean health record, and you want to purchase insurance with relatively comprehensive coverage, Embrace is worth considering.>>Get a free quote from Embrace