Pet Insurance Plan Comparison

Insurance plan comparison

Select up to 3 plans, then compare plan facts.

This tool places plan facts side by side — coverage shape, reimbursement, deductibles, waiting periods, and exclusions. iPickPet does not rank or score insurance plans and does not sell insurance. Plans are shown in the order you select them.

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Plan facts	Embrace Accident & Illness (Dog) Dogs · Accident + illness
Region availability	Availability and policy terms vary by state; confirm eligibility in the current quote and policy.
Reimbursement	70% / 80% / 90% of eligible vet bills
Deductible	$200 to $1,000 annual
Annual limit	$2,000 to unlimited
Accident waiting period	None — coverage begins on the policy effective date
Illness waiting period	14 days from the policy effective date
Orthopedic waiting period	Varies by state
Pre-existing conditions	Not covered; curable conditions may be covered after 12 consecutive symptom-free, treatment-free months
Enrollment age limits	6 weeks to 14 years (accident & illness); 15+ accident-only
Key exclusions	Pre-existing conditions, routine wellness care, breeding/pregnancy/whelping, cosmetic procedures, food and supplements, DNA testing or cloning
Source	Official plan page, reviewed 2026-07-23

Plan facts change over time and vary by state, pet age, and breed. Confirm every detail on the provider's official policy documents before purchasing, and ask your veterinarian which coverage questions matter for your pet's existing conditions. Insurance facts are kept separate from food and supplement data and never influence nutrition comparisons.

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Plan facts

Embrace

Accident & Illness (Dog)

Dogs · Accident + illness

Region availability

Availability and policy terms vary by state; confirm eligibility in the current quote and policy.

Reimbursement

70% / 80% / 90% of eligible vet bills

Deductible

$200 to $1,000 annual

Annual limit

$2,000 to unlimited

Accident waiting period

None — coverage begins on the policy effective date

Illness waiting period

14 days from the policy effective date

Orthopedic waiting period

Varies by state

Pre-existing conditions

Not covered; curable conditions may be covered after 12 consecutive symptom-free, treatment-free months

Enrollment age limits

6 weeks to 14 years (accident & illness); 15+ accident-only

Key exclusions

Pre-existing conditions, routine wellness care, breeding/pregnancy/whelping, cosmetic procedures, food and supplements, DNA testing or cloning

Source

Official plan page, reviewed 2026-07-23