Embrace Pet Insurance
Embrace is a monthly pet insurance membership, not a free trial.
Exit grade D: Cancellation is phone-first: Embrace directs you to call (800) 643-7578, and there is no self-serve online cancel button. A free-look full refund applies within about 30 days if you have filed no claims.
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Embrace Pet Insurance: Embrace is a monthly pet insurance membership, not a free trial. A credit card is required to start. Cancelling is hard - about 12 minutes. Our take: Embrace is a strong all-rounder with two things going for it that are easy to verify: a diminishing deductible that rewards claim-free years by dropping $50 each year, and an A+ Superior-rated underwriter (American Modern, part of Munich Re) that speaks to financial strength.
Last verified: July 22, 2026
On embracepetinsurance.com
Our take
Embrace is a strong all-rounder with two things going for it that are easy to verify: a diminishing deductible that rewards claim-free years by dropping $50 each year, and an A+ Superior-rated underwriter (American Modern, part of Munich Re) that speaks to financial strength. Its optional Wellness Rewards is an unusually flexible routine-care allowance. Honest trade-offs: filing a claim pauses that year's deductible drop, first-time enrollment into full illness coverage has age limits, and cancellation is by phone rather than self-serve. Track your renewal here and we send a reminder before each one, so nothing surprises you.
Embrace at a glance
| Accident and Illness plan | |
|---|---|
| Typical monthly premium | Healthy young dog about $28 to $55, cats lower, varies widely |
| Reimbursement options | 70%, 80%, or 90% |
| Annual deductible | $200 to $1,000, drops $50 per claim-free year (to as low as $0) |
| Annual payout limit | Commonly $5,000 to $30,000 |
| Waiting periods | Accident short/immediate, illness 14 days, orthopedic 6 months (waivable) |
| Wellness / preventive | Optional Wellness Rewards allowance ($300 / $500 / $700) |
| Key exclusions | Pre-existing conditions; routine care unless add-on purchased |
| Cancellation | Phone (800) 643-7578 - no self-serve online |
Researched July 2026. Premiums vary by species, breed, age, and ZIP - honest ranges, not a quote. Underwriter American Modern is AM Best A+ Superior.
What you get
The Embrace Pet Insurance Accident and Illness with Healthy Pet Deductible plan
Included · 6
Nose-to-tail accident and illness coverage including diagnostics, surgery, and medications for covered conditions
The Healthy Pet Deductible, which lowers your annual deductible by $50 for every claim-free year, potentially to $0
Your choice of 70, 80, or 90 percent reimbursement and an annual deductible from $200 to $1,000
Coverage for dental illness, behavioral therapy, and hereditary and congenital conditions
An optional Wellness Rewards allowance ($300, $500, or $700 a year) for routine care, as a flat reimbursement account
An underwriter rated A+ Superior by AM Best (American Modern, a Munich Re company)
Worth knowing
Pre-existing conditions - excluded, as with every carrier
Routine and wellness care in the base plan - it needs the optional Wellness Rewards add-on
The deductible drop in a year you file a claim - filing pauses that year's reduction
Coverage during waiting periods - 14 days for illness and 6 months for orthopedic conditions, reducible to 14 days with an early orthopedic exam
Full illness coverage for first-time enrollment above the age limit - older pets may be limited to accident-only
The honest data
By the numbers
- Pricing
- Embrace is a monthly pet insurance membership, not a free trial. Its signature feature is the Healthy Pet Deductible, a diminishing deductible that drops $50 for every claim-free year and can reach $0 over time. Premiums vary by species, breed, age, and ZIP. Researched July 2026: a healthy young dog commonly runs about $28 to $55 a month, with cats lower. You choose 70, 80, or 90 percent reimbursement, an annual deductible from $200 to $1,000 that shrinks with claim-free years, and an annual limit commonly from $5,000 to $30,000. Routine care is a separate optional Wellness Rewards allowance ($300, $500, or $700 a year), which is a flat reimbursement account rather than a percentage.
- Card required
- Yes
- Cancellation
- Hard
- Time to cancel
- ~12 min
Around the web
What others say about Embrace Pet Insurance
Curated outside takes. We don't edit them, we just point at them.
At a glance
2 reviews from 2 sources
Topline: Mixed
1 positive1 mixed
Our read across dimensions
- Product quality
- Value
- Cancellation
- Honest billing
- Customer support
Reviewer
Yahoo Finance
Embrace Pet Insurance Review 2026: 4.1 out of 5
“Highlights the diminishing deductible, flexible Wellness Rewards, and a highly rated underwriter, while noting age limits on new illness enrollment.”
Independent editorial review; details summarized from the piece.
Read on finance.yahoo.com
Cancellation guide
How to cancel Embrace Pet Insurance
Documented · ~12 min
- 01
Have your policy number ready
- 02
Call Embrace at (800) 643-7578 to request cancellation - there is no online cancel button
- 03
State the date you want coverage to end
- 04
If you are within the roughly 30-day free-look window and have filed no claims, ask about a full refund; otherwise ask about a pro-rated refund
- 05
Request written confirmation of the cancellation
Embrace Pet Insurance free trial - frequently asked
- How much does Embrace Pet Insurance cost?
- Embrace is a monthly pet insurance membership, not a free trial. Its signature feature is the Healthy Pet Deductible, a diminishing deductible that drops $50 for every claim-free year and can reach $0 over time. Premiums vary by species, breed, age, and ZIP. Researched July 2026: a healthy young dog commonly runs about $28 to $55 a month, with cats lower. You choose 70, 80, or 90 percent reimbursement, an annual deductible from $200 to $1,000 that shrinks with claim-free years, and an annual limit commonly from $5,000 to $30,000. Routine care is a separate optional Wellness Rewards allowance ($300, $500, or $700 a year), which is a flat reimbursement account rather than a percentage.
- How do I cancel Embrace Pet Insurance?
- To cancel Embrace Pet Insurance: 1. Have your policy number ready; 2. Call Embrace at (800) 643-7578 to request cancellation - there is no online cancel button; 3. State the date you want coverage to end; 4. If you are within the roughly 30-day free-look window and have filed no claims, ask about a full refund; otherwise ask about a pro-rated refund; 5. Request written confirmation of the cancellation. It takes about 12 minutes and is rated hard to cancel.
- Do I need a credit card for the Embrace Pet Insurance trial?
- Yes - Embrace Pet Insurance requires a credit card to start the free trial, so note when it converts to a paid plan.
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