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Up to four products side by side, on the same scale: dry matter takes the water out, and grams per 1,000 kcal puts wet and dry food together. No scores, no winners: the facts.
| Fact | No photo yet |
|---|---|
| Brand | Embrace |
| Type | Insurance |
| For | Dog |
| Coverage | Accident and illness |
| What's covered | Eligible diagnostics, surgery, hospitalization, cancer treatment, rehabilitation, and complementary therapies can be covered. |
| Exclusions | Pre-existing conditions, routine wellness care, breeding/pregnancy/whelping, cosmetic procedures, food and supplements, DNA testing or cloning |
| Reimbursement | 70% / 80% / 90% of eligible vet bills |
| How reimbursement is worked out | The annual deductible is subtracted first, then the reimbursement percentage is applied to eligible charges. |
| Deductible | $200 to $1,000 annual |
| How the deductible works | Annual deductible; met once per policy term. |
| Annual limit | $2,000 to unlimited |
| Payout limit | Annual maximum selected by the policyholder; no lifetime maximum. |
| Waiting period: accidents | None — coverage begins on the policy effective date |
| Waiting period: illnesses | 14 days from the policy effective date |
| Waiting period: orthopedic conditions | Varies by state |
| Pre-existing conditions | Not covered; curable conditions may be covered after 12 consecutive symptom-free, treatment-free months |
| Hereditary and congenital conditions | Hereditary and congenital conditions can be covered when they are not pre-existing and applicable waiting periods are met. |
| Dental | Eligible dental illnesses and injuries can be covered; routine dental cleaning is not part of accident-and-illness insurance. |
| Exam fees | Veterinary exam-fee coverage is available as an optional add-on. |
| Prescriptions | Prescription-drug coverage for eligible conditions is available as an optional add-on. |
| Preventive care | Optional Wellness Rewards reimburses eligible routine care and is not insurance. |
| Enrollment age | 6 weeks to 14 years (accident & illness); 15+ accident-only |
| Medical exam to enroll | Prior medical history is required; if there was no visit in the prior 12 months, a full physical exam is required within the first 14 policy days. |
| Which vets | Use any licensed veterinarian, emergency clinic, or specialist in the United States; there is no provider network. |
| Paying the vet | The policyholder pays the veterinary provider first and is reimbursed by direct deposit or check. |
| Claims | Submit the itemized invoice through the app or online account; most complete claims are processed within 10 business days. |
| Renewal | Coverage can continue for the pet's lifetime while the policy remains active; premiums may change at renewal. |
| Where it's offered | Availability and policy terms vary by state; confirm eligibility in the current quote and policy. |
| Checked against the source | July 23, 2026 |
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