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Simply Great Pet Insurance Coverage

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What’s Covered

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:

  • Accidents & illnesses
  • Breed-specific conditions
  • Alternative therapies* & rehabilitation
  • Diagnostic testing & imaging
  • ER & specialist care
  • Prescription drugs
    (Optional to include in NY.)
  • Cancer treatment
  • Behavioral therapy
  • Surgery, hospitalization, & nursing care
  • Chronic conditions
  • Consultations/exam fees
  • Dental illness up to $1,000/year


What’s Not Covered

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.

Routine Care

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.


How Embrace Pet Insurance Works

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Sign Up for Coverage

You pick your annual deductible, annual maximum, and reimbursement percentage to best fit your budget. Coverage begins after the waiting periods.

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Visit Any Vet

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.

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Submit Your Claim

Make sure to get a copy of your invoice. You can submit it via email, mail, fax, or directly to your MyEmbrace customer account online or in the app.

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Get Reimbursed

Once your claim has been processed, we’ll send you an email notification and reimburse you via check or direct deposit.

Personalized Pet Insurance

The best pet insurance policy is one you can personalize to fit your budget without sacrificing coverage. There are several factors that determine the cost of your policy, including: 

Because certain breeds are more likely to develop illnesses, pet insurance costs are based on what kind of pet you have.

Younger pets are less likely to develop serious illnesses, so insuring young gets the lowest rate.

Veterinary 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: Reimbursement
We 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.

Policy Perks & Discounts


Personalizing your policy is a great way to get coverage that fits your budget, but a discount never hurts. Our discounts include:

  • 10% Multi-pet
  • 5% Military Discount

*Discounts are subject to state regulations and may vary by state.
Visit our Discounts page for details.

Healthy Pet Deductible

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.

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More About Insurance for Dogs & Puppies

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

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More About Insurance for Cats & Kittens

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

5 stars

“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.

Bill R.
Pet Parent to RoxC
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Black and brown collie mix close up on a black background

Dexter the Dachshund

Dexter Diagnosed with Gallstones
Vet Bills: $6,411 | Embrace Reimbursed: $4,529 

Shortly after being insured, Dexter started showing signs of tummy trouble. His pet parents didn’t stop until they figured out what was going on – even with the steep vet bills.

“Having the comfort and support of your pet insurance really does make a difference and really lets us know they’re here and they care!”

—Karalee M., Dexter’s Pet Parent

Mind if we pay your vet bills?
*Embrace covers alternative therapies for 12 weeks following a covered injury or illness. In some states, there is no time limit. Please see your state’s terms & conditions for details.

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.