Get your pets the best care and protect yourself from unexpected vet bills with Embrace’s pet health insurance.
Our pet insurance covers every accident and illness under one simple yet comprehensive policy. Rest easy knowing that you’ll be reimbursed up to 90% on bills at any vet you choose. No matter how you personalize your policy, you’ll enjoy coverage for:
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Exclusions vary by company just as coverage does. At Embrace, we’re open and honest about what isn’t covered so you know what you’re getting right from the start. Embrace does not cover pre-existing conditions, cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, and DNA testing or cloning.
Pet insurance is for accidents and illnesses, but what about routine care expenses? For that, Embrace offers Wellness Rewards, an optional preventative care plan that can be purchased in addition to your insurance policy and reimburses 100% of routine veterinary, training, and grooming costs up to the annual limit you choose.
You pick your annual deductible, annual maximum, and reimbursement percentage to best fit your budget. Coverage begins after the waiting periods.
Take your pet to any specialty vet, emergency room, or rehabilitation facility – there are no networks. You’re covered at any licensed vet even when traveling.
Take your claim form and have someone from the vet’s office fill it out. You can submit it via email, mail, fax, or directly to your MyEmbrace customer account online or in the app.
Once your claim has been processed, we’ll send you an email notification and reimburse you via check or direct deposit.
Everything you need to know about pet insurance in under two minutes! Learn what’s covered, what isn’t, and how to use your personalized plan.
BreedBecause certain breeds are more likely to develop illnesses, pet insurance costs are based on what kind of pet you have.
AgeYounger pets are less likely to develop serious illnesses, so insuring young gets the lowest rate.
LocationVeterinary rates vary widely by location and your pet insurance cost will reflect that.
You Choose: Annual Deductible The higher the deductible you choose, the lower your pet insurance premium will be since you are covering more of the bill.
You Choose: ReimbursementWe reimburse you based on a direct percentage of the vet bill. Select a lower reimbursement percentage to get a lower rate.
You Choose: Annual Maximum Pick an annual maximum that fits your needs and budget. The higher maximum you choose, the higher your premium will be.
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Personalizing your policy is a great way to get coverage that fits your budget, but a discount never hurts. Our discounts include:
Your deductible will be reduced by $50 each year you don’t receive a claim reimbursement. This perk comes with every policy and is only available through Embrace Pet Insurance.
From puppyhood to the senior years, pet medical insurance from Embrace will be there through it all. Protect your newest family member or loyal friend with an Embrace Pet Insurance plan.
Learn About Dog Insurance
Cats are experts at creating mischief. Thankfully, Embrace has your favorite feline covered. Our comprehensive lifelong accident & illness plan provides a hassle-free claims experience.
Learn About Cat Insurance
Accidents and illnesses strike when you least expect it. Embrace Pet Insurance has your pet covered from nose to tail for all of life’s cat-astrophes, but don’t take our word for it – check out what our pet parents have to say.
Puppy Suffers from Grape Intoxication
Bernese Mountain Dog Tears Cruciate Ligament
Cat Recovers from Car Accident
Labrador Manages Pain with Alternative Therapies
Read More Pet Claim Stories
“Embrace is a very responsive and settle claims quickly with a check in the mail faster than I ever expected. And their customer service people are a wonderful asset. We are glad to be a customer.”