Compare Pet Insurance Coverage
Choosing the right pet insurance plan for you and your pet is a big decision, but choosing whether to pay extra for things like exam fees, coverage for hereditary conditions, behavioral therapy, or prescription medications shouldn’t be.
That’s why Embrace offers one simple policy to take the guesswork out of great coverage. No matter how you personalize your policy, you can rest easy knowing your pet is covered for the unexpected.
Compare Pet Insurance
Embrace Pet Insurance Exclusions
All pet insurance plans have exclusions. Embrace is open and honest about what isn’t covered, including:
- Routine veterinary care
- Pre-existing conditions
- Breeding, whelping, & pregnancy
- Injury caused deliberately by you or any other person residing in your home
- DNA testing or cloning
- Injury or illness resulting from fighting, racing**, cruelty, or neglect
- Cosmetic procedures such as tail docking, ear cropping, & dew claw removal unless medically necessary
- Avian flu or nuclear war
Pre-existing Conditions Explained
A pre-existing condition is any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see the vet for it.
No pet insurance plan covers pre-existing conditions. However, Embrace distinguishes between curable and incurable pre-existing conditions and covers curable conditions if pets remain symptom- and treatment-free for 12 consecutive months.
Curious if something in your pet’s medical history might be considered a pre-existing condition? Request a free Medical History Review after you enroll and our claims team will review your pet’s medical records to determine if anything would be considered pre-existing and for how long. Embrace offers a 30-day money-back guarantee as long as we haven’t paid a claim, so if there’s something in the review that you weren’t expecting, you can cancel for a full refund.
For a complete list of exclusions see the Embrace Policy Terms and Conditions.
Additional Embrace Plan Details
Wellness Rewards for Routine Care
Pet insurance is for unexpected injuries and illnesses, but what about routine care? Embrace offers Wellness Rewards which can be purchased in addition to our accident and illness insurance and reimburses for routine veterinary, training, and grooming costs.
Accident-only Insurance Coverage
Our full accident and illness insurance policy is available to dogs and cats up to the age of 14 at enrollment. For pets 15 years and older, our accident-only insurance coverage is available. This policy is also helpful for those with pets who have pre-existing conditions that would greatly limit their illness coverage, but want to get coverage for an unexpected accident.
*States where dental illness & prescription drug coverage are not automatically included on new policies: NY
**Organized and professional racing is covered if you let us know that your pet is involved in that activity when you sign up or when they become involved.