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.
What does Embrace's coverage include?
We provide one simple yet comprehensive plan to cover your dog or cat against unexpected accidents and illnesses. You can choose your annual maximum, deductible, and reimbursement percentage. No matter how you personalize your policy, your pet will enjoy coverage for the following:
Alternative Therapies
A well-rounded pet insurance policy lets you select the treatment plan that is going to work best for your pet. Embrace covers a wide variety of 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. Embrace's pet insurance policies include coverage for chronic conditions that are not pre-existing.
Prescription Drug Coverage
Embrace's prescription drug coverage reimburses for take-home prescription medications - such as pain relievers, antibiotics, and insulin - for covered conditions. (Optional in some states.*)
24/7 Pet Help Line Powered By whiskerDocs®
Pet parents know that accidents and illnesses don’t wait for regular vet office hours. That’s why Embrace has partnered with whiskerDocs to give policyholders access to veterinary experts 24/7 at no extra charge.
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.
Is my pet eligible to enroll?
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.
Will my pet be covered for life?
Yes. Once your pet is signed up with Embrace, coverage is locked in for life. 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 with us. We will not drop your pet's coverage at a certain age, nor will we change it. Any policy changes are totally up to you.
How much do Embrace Pet Insurance policies reimburse?
Embrace policies can be personalized to fit any budget without sacrificing coverage. For example, you might want 90% reimbursement with a $500 deductible or 80% reimbursement with a $200 deductible. Each pet has an annual maximum for reimbursement that can be set at a variety of levels (e.g. $10,000). No matter what you choose, every pet enrolled has the same comprehensive coverage, including chronic conditions, genetic conditions, alternative therapies, and more.
When will my coverage start?
Waiting periods are required for all newly Embraced pets. The waiting periods for Embrace's accident and illness coverage are:
- Accidents: 48 hours or 14 days, depending on state
- Illnesses: 14 days
- Orthopedic Conditions: 6 months (This waiting period only applies to dogs and can be reduced to 14 days by following the Orthopedic Exam and Waiver Process.)
For coverage to start, each pet you are insuring must have visited a vet within the past 12 months. If you have a new pet or your pet hasn't seen a vet in the last 12 months you can take your pet in during the waiting period without any loss of coverage.
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.
* States where dental illness and prescription drug coverage is included on all new policies & renewals: AL, AK, AZ, CO, CT, DC, DE, FL, GA, ID, IN, IA, KS, KY, LA, ME, MD, MI, MN, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, TN, TX, UT, & WI. Available on new policies and renewals in AR, MS, SD, WV, & WY starting 7/18/2018.