CostByBreedWhat Embrace's own policy documents say, captured on October 27, 2026, restated in plain words. Where the documents do not say, this page does not guess.
The policy facts
| Policy point | What the documents say |
|---|---|
| Accident waiting period | 2 days in the V5 sample policy. Note: Embrace's current waiting-period page says accident coverage starts on the policy effective date, with no extra waiting period, which conflicts with the V5 policy wording. |
| Illness waiting period | 14 days |
| Orthopedic waiting period | 6 months for orthopedic conditions for dogs in the V5 sample policy, reducible on review of a vet orthopedic exam to 2 days for accidents or 14 days for illnesses, or the exam date, whichever is later. State pages vary: some states have a 30 day period for IVDD, cruciate, patellar luxation and hip dysplasia, with other orthopedic conditions at 14 days, and cats at 14 days. |
| Hereditary and congenital conditions | Covered. Embrace says it covers congenital and hereditary conditions, including genetic and breed specific conditions, provided they are not pre-existing when the policy begins. Illness coverage in the V5 policy lists genetic conditions. |
| Two sided (bilateral) conditions | If a pet had clinical signs of a bilateral condition on one side of the body before the end of the waiting period, future occurrences of the same condition on the other side will not be covered. The V5 policy gives the example of a cruciate tear in the left leg before the end of the waiting period making a later cruciate tear in the right leg a pre-existing condition. |
| Pre-existing conditions | A pre-existing condition is a chronic condition observed before the end of the waiting period, or an illness or injury that first occurred or showed clinical signs before the end of the waiting period, including related and undiagnosed conditions with the same signs. Temporary, curable conditions are no longer treated as pre-existing after 12 consecutive months with no clinical signs and no treatment. Embrace's own pre-existing page says curable conditions are reevaluated after the pet has been symptom free and treatment free for 12 months. Chronic conditions are not cured under this rule. |
| Exam fees | Offered as an option in current Embrace marketing, not described as standard on every policy. Embrace's own homepage says it offers the option to get vet exam fees reimbursed, up to $100 to $200 per visit. The V5 policy benefits list does include Physical Examination among reimbursable treatments. |
| Dental illness | Covered to a $1,000 annual maximum sub-limit per policy year in the V5 policy, for dental illness treatment except dental prophylaxis. Embrace's homepage states the same $1,000 per policy year limit for dental illnesses, while dental accidents are covered under the policy limit. |
| Age rules | Minimum enrollment age was not stated in the Embrace pages and policy checked. Embrace's own homepage says accident-only coverage is still offered for pets 15 years or older, which implies new accident and illness enrollment is not offered at that age. No other maximum was stated in the documents checked. |
| How claims are paid | Actual vet bill. The V5 policy defines Allowable Charges as the costs of the actual treatment provided, applies the annual deductible first, then applies the chosen reimbursement percentage to the remainder. |
| Direct payment to the vet | No direct payment to the vet stated. Embrace's own how-it-works page says reimbursement involves paying the vet bill upfront, submitting a claim, and receiving reimbursement by direct deposit. |
| The insurer's own published example | Embrace's Virginia page shows dog insurance starting at $56 per month and cat insurance starting at $33 per month, footnoted as based on internal Embrace claims data from 2025. |
The insurer's own price example
Embrace's Virginia page shows dog insurance starting at $56 per month and cat insurance starting at $33 per month, footnoted as based on internal Embrace claims data from 2025.
That is the insurer's own published figure, in its own context. It is not a quote for your pet, and this site does not present it as one.
What stands out
It can pay the vet directly, which changes the cash flow of a big claim.
Its accident waiting period is 2 days in the V5 sample policy. Note: Embrace's current waiting-period page says accident coverage starts on the policy effective date, with no extra waiting period, which conflicts with the V5 policy wording..
It runs a curable condition rule, so some conditions that existed before the policy can be covered again. The policy facts above carry the exact terms.
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