Pet Insurance vs Telehealth • Reviewed by Dr. Tiffany Delacruz, DVM
Embrace Pet Insurance vs RexVet
Embrace is a mid-tier pet insurance provider known for diminishing deductibles (rewards you for not filing claims), wellness rewards, and curable pre-existing conditions coverage.
Quick verdict
Embrace's wellness add-on is structured as 'rewards' you spend on care. RexVet Family Plan ($120/yr) covers unlimited consultations directly. The pairing works well: Embrace for catastrophic + RexVet for routine.
Side-by-side comparison
| Feature | Embrace Pet Insurance | RexVet |
|---|---|---|
| Type | Wellness Add-on Available insurance | 501(c)(3) non-profit telehealth |
| Monthly cost (dog) | $30–$110/mo | $10/mo flat (Family Plan) |
| Monthly cost (cat) | $20–$60/mo | $10/mo flat (Family Plan) |
| Deductible | $200–$1000 | $0 |
| Reimbursement | 70-90% (you choose) | N/A — direct service, no claim process |
| Waiting period (accidents) | 2 days | None — same-day visits |
| Waiting period (illness) | 14 days | None — same-day visits |
| Pre-existing conditions | Excluded | Covered (no exclusions) |
| Routine consultations | Wellness add-on only (extra cost) | Unlimited included (Family Plan) |
| Surgery / ER / Hospitalization | Covered (% after deductible) | Not covered (telehealth limit) |
| Prescription refills | Only if tied to covered condition | Same-day RexVetRx delivery |
Embrace Pet Insurance strengths
- ✓ Diminishing deductible: deductible decreases each claim-free year
- ✓ Covers curable pre-existing conditions after 12 months symptom-free
- ✓ Wellness Rewards add-on covers routine care
- ✓ Includes dental coverage in some tiers
- ✓ Strong customer service reputation
Embrace Pet Insurance limitations
- ! Lifetime payout caps on most plans
- ! Premiums increase with age
- ! Doesn't enroll pets over 14 years old
What each does best
Where Embrace Pet Insurance wins
- → Diminishing deductibles reward healthy claim-free years
- → Covers some curable pre-existing conditions
- → Surgery and ER coverage
- → Dental coverage in some plans
Where RexVet wins
- ✓ Unlimited routine visits and messaging
- ✓ Lower total cost vs Embrace's wellness rewards tier
- ✓ No waiting periods
- ✓ Same-day prescription delivery
The smart combo
How to use Embrace Pet Insurance AND RexVet together
Embrace base policy + RexVet Family Plan is a strong combo for households that value both pre-existing condition flexibility AND unlimited routine care. Annual total typically $400-700.
Embrace Pet Insurance vs RexVet
Frequently asked questions
What's the diminishing deductible at Embrace?
Each year you don't file a claim, your deductible decreases by $50. This rewards healthy pets / healthy luck — by year 4-5, your deductible can be reduced significantly.
Does Embrace cover curable pre-existing conditions?
Yes — if a condition has been symptom-free for 12 months, Embrace will cover its recurrence. This is a unique advantage among major pet insurers.
Embrace vs Trupanion?
Trupanion has higher premiums but no annual cap and per-condition deductibles. Embrace is more affordable with annual caps and per-year deductibles. Embrace is more flexible on pre-existing conditions.
Should I get Embrace's wellness add-on if I have RexVet?
Usually no — RexVet Family Plan unlimited consultations covers more than the wellness rewards cap. Use Embrace for catastrophic only.
Does Embrace cover dental for my dog?
Some Embrace plans cover dental treatments tied to illness or accident. Routine dental cleanings are typically covered only with the wellness add-on.
Reviewed by Dr. Tiffany Delacruz, DVM
Last fact-checked: 2026-05-19
Pricing ranges sourced from Embrace Pet Insurance's public materials and industry references (Pawlicy Advisor, NerdWallet, Forbes Advisor). Actual rates vary by zip code, pet age, and breed — always get a personal quote from the insurer before deciding. This page is editorial commentary, not insurance advice.