How Pet Insurance Works
1. Take your pet to the vet.
Print your personalized claim form before your appointment. Visit any vet, specialist, or emergency clinic. There are no networks.
2. Complete the claim form & send it to Embrace.
Have a staff member fill out your claim form and provide an itemized invoice. Submit the claim form and invoice by fax, e-mail, or direct upload to MyEmbrace.
3. Get reimbursed.
We'll process your claim and alert you when it's complete.
Nose-to-tail Accident & Illness Coverage
No matter how you personalize your policy, your pet will enjoy coverage for:
- Breed-specific & genetic conditions
- Congenital conditions
- Chronic conditions
- Cancer
- Exam fees
- Alternative therapies & rehabilitation
- Behavioral therapy
- ER & specialist care
- Diagnostic testing
- Hospitalization & surgery
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Prosthetic limbs & devices including mobility aids
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Dental illness up to $1,000/year (Currently available on new policies & renewals in AL, AK , AZ, DC, GA, IA, IN, KY, LA, ME, MN, MI, NC, NM, OH, PA, TN, TX, UT, & WI. Available on new policies and renewals in CO, CT, KS, NV, & OK starting 4/18/2018.)
Alternative Therapies
A well-rounded pet insurance policy lets you select the treatment plan that works best for your pet. Embrace covers alternative therapies - on every policy, for every covered condition.
Chronic Conditions
Chronic conditions, such as allergies and diabetes, can last a lifetime, often requiring ongoing care and medication. Policies include coverage for chronic conditions that are not pre-existing.
Prescription Drug Coverage
This optional coverage reimburses for take-home prescription medications - such as pain relievers, antibiotics, and insulin - for covered conditions. (Automatically included on new policies & renewals in AL, AK , AZ, DC, GA, IA, IN, KY, LA, ME, MN, MI, NC, NM, OH, PA, TN, TX, UT, & WI. Automatically included on new policies and renewals in CO, CT, KS, NV, & OK starting 4/18/2018.)
What's Not Covered
Pre-existing conditions are the most common policy exclusion.
For a more extensive list, please visit the What's Not Covered page. To read Embrace's full policy, see our Terms & Conditions.
Eligibility & Waiting Periods
- Pets must be ages 14 and younger to sign up with a new accident & illness policy. If your pet is older, we offer accident-only coverage.
- In some states, pets who have been diagnosed with or shown symptoms of diabetes, Cushing's disease, Addison's disease, or FeLV/FIV before enrolling are only eligible for accident-only coverage.
- If your pet is eligible for accident and illness coverage when enrolling today then that full coverage will continue as long as your pet remains insured. Your pet's coverage will not be dropped or changed at a certain age or because you've filed claims. Any policy changes are totally up to you.
- Waiting periods are required for all newly Embraced pets. Visit the Waiting Periods page for more information on which waiting periods would apply to your pet.
Personalized Policies & Discounts
Embrace policies can be personalized - giving you the power to select the annual deductible, annual maximum, and reimbursement percentage that work best for your budget and your needs. Embrace reimburses you based on a direct percentage of the vet bill after you meet your annual deductible. Embrace also offers many discounts. Get a quote today to see which discounts you're eligible for.
Policy Perks
Healthy Pet Deductible
With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.
MyEmbrace Account
Embrace's online customer portal, MyEmbrace, was created with you in mind. It gives you 24/7 access to your account, making it quick and easy to manage your policy online. You can review claims, policy information and more on the go.
Insurance, coverage and discounts are subsequent to terms, conditions & agreements which may vary by state. You'll get more information when you quote. All coverage subject to policy terms and conditions.