Embrace Pet Insurance
Pets with prior health history
ComprehensiveAccident Only
Est. monthly (dog)
~$45/mo
Est. monthly (cat)
~$32/mo
Reimbursement
70%, 80%, 90%
Annual deductible
$200–$1,000
Annual max
Unlimited
Age range
Under 15 years (accident-only at 15+)
Illness wait
14 days
Accident wait
2 days
✓ Curable pre-existing conditions covered after 12 months symptom-free
Praised for
- ✓Curable pre-existing conditions eligible after 12 symptom-free months
- ✓24/7 vet helpline + optional Rx and exam-fee add-ons
- ✓Diminishing deductible rewards loyalty over time
Watch out for
- ✗Higher premiums than most competitors
- ✗Pets 15+ limited to accident-only plan
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