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It reimburses eligible vet bills after you pay them. The price depends on the pet; what matters as much is what the policy leaves out.
AAHA figures cited by Embrace, read Oct 2, 2026. See source
| If you are asking | Start with | Link |
|---|---|---|
| Tight budget? | An accident-only plan, from $9 a month for dogs | Compare |
| Want illness covered too? | An accident and illness plan | How it works |
| Want checkups paid? | A routine care add-on | Routine care |
| Pet already has a condition? | Curable ones can qualify after a year at Embrace | Pre-existing |
What people pay. Embrace cites the American Animal Hospital Association's 2025 averages of $62.44 a month for dogs and $32.21 for cats, and says most of its own customers paid $20 to $70 a month for a dog and $10 to $30 for a cat in 20261. Species, breed, age, address and the deductible and limit you choose all move the price.
Enroll early. Both insurers exclude pre-existing conditions. Embrace counts anything noted before the waiting period ends, even without a vet visit, and says a curable condition can become eligible after a year free of symptoms and treatment2. Pets Best also excludes conditions that start during waiting periods3. A young, healthy pet has the shortest list of exclusions.
Accident only or accident and illness. Pets Best sells an accident-only plan from $6 a month for cats and $9 for dogs, regardless of age and breed; it does not cover illnesses such as cancer or diabetes3. Accident and illness plans cost more and cover more.
Routine care is separate. Base policies do not pay for checkups and vaccines; Embrace lists routine care among its exclusions2. Pets Best sells two tiers of routine care cover as an add-on, at enrollment, within 30 days or at renewal4.
Pet insurance is a growing market: NAPHIA reports 7.6 million pets insured in North America at the end of 2025, up 8.5% from 20245.
| Term | Embrace | Pets Best |
|---|---|---|
| Pre-existing conditions2 | Excluded; curable ones can become eligible after 12 months symptom- and treatment-free | Excluded, as are conditions starting in waiting periods |
| Dental illness2 | Up to $1,000 a year | See the policy |
| Accident-only plan3 | Not shown on the coverage page | From $6 a month (cats), $9 (dogs) |
| Routine care4 | Not in the base policy | Two add-on tiers |
| Source | Embrace coverage pageRead Oct 2, 2026 | Pets Best coverage and routine care pagesRead Oct 2, 2026 |
The policy document is the final word.
How these links work: each button opens the partner's own site. We are not paid for these links today; we may earn a referral fee in the future.
Good for an accident-only plan on a tight budget
Also on Pets Best's site
Good for accident and illness cover with dental illness included
Also on Embrace Pet Insurance's site
No. Rover says the Rover Guarantee is not an insurance plan and asks you to claim on your own pet insurance first6.
Pets Best says premiums may increase or decrease with the pet's age, species or breed and your address7.
We do not earn anything from your quotes or sign-ups today. Every partner link is a plain link to the partner's own site, without a referral code. We may join partners' referral programs in the future, and this notice will say so before that changes.
Prices, plan terms and service areas belong to each company and can change. The company's own page is the final word on price, availability and terms.
PawPlan Guide is not a pet care provider, insurer, insurance agent or broker. We do not sell policies, book care or pass your details to anyone. Nothing here is veterinary advice.
