Embrace Pet Insurance
Founded in 2003. Available in 50 states. BBB rating: A+.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$24–$42/mo
Young dog
$40–$75/mo
Senior
Medium dogs
25–60 lbs
$30–$55/mo
Young dog
Large dogs
> 60 lbs
$40–$78/mo
Young dog
$62–$125/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$45–$92/mo
Plan options
Coverage details
What Embrace covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Most comprehensive coverage
- ✓ Dental illness included
- ✓ Behavioral coverage
- ✓ Diminishing deductible
Weaknesses
- ✗ No unlimited annual limit
- ✗ Higher premiums for comprehensive coverage
- ✗ Annual limits may cap large claims
Best for
- → comprehensive coverage seekers
- → dental-prone breeds
- → behavioral issue breeds
Less ideal for
- → those wanting unlimited annual limits
- → very budget-conscious buyers
Frequently asked questions
How much does Embrace cost?
Embrace premiums start at $24/month for small young dogs and range up to $125/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does Embrace cover hereditary conditions?
Yes, Embrace covers hereditary and breed-specific conditions.
What is Embrace's waiting period?
Embrace has a 2-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 6-month wait.
Is there an age limit for Embrace?
No, Embrace has no upper age limit for enrollment.
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Last verified: 2026-05-12