San Diego Pet Insurance

Pet insurance in San Diego typically costs $20-$60/month for dogs and $10-$30/month for cats for most Embrace parents, depending on breed, age, and coverage choices (deductible, limit, reimbursement %). Get your exact price in about a minute with no commitment. Start a quote and customize coverage to fit your pet and budget.

Absolutely! Rattlesnake bites are fully covered as accidents, protecting you from treatments that can quickly exceed thousands. With multiple vials of antivenom, hospitalization, and intensive care often required, your insurance becomes a financial lifesaver during these scary emergencies.

Yes! Freedom of choice is yours. Embrace welcomes visits to any licensed vet, specialist, or emergency hospital. No restrictive networks or referral hassles. Whether it's VCA, BluePearl, VEG, university hospitals, on-base military vets, or your trusted neighborhood clinic, you're covered.

Yes! We honor your service with a 5% military discount for active duty and veterans, plus you can save even more with our 10% multi-pet discount. These savings often stack. Check your personalized quote to see your total discount.

We process most claims within 10-15 business days once we have your records, with direct deposit arriving just days after approval. While first claims may need a bit more time for medical record review, our streamlined process gets you reimbursed quickly when you need it most.

A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the waiting period ends, your coverage for those previously restricted conditions kicks in, and your beloved pet can enjoy the full benefits of the policy. These waiting periods or exclusion periods, can vary. Click here to get the details.

Pre-existing conditions are usually excluded across the industry. However, Embrace Pet Insurance may cover certain curable conditions once a pet has been symptom-free and treatment-free for 12 months. Ongoing or chronic problems diagnosed before enrollment stay excluded, which is why enrolling pets early is the best approach.

Yes! Embrace can cover licensed veterinary care abroad for travelers (often up to 6 months), perfect for Baja adventures. Simply save itemized invoices—English translations and USD conversions speed up your claims. Always review your current policy for complete international coverage details.

Fully covered! Stingray injuries, fishhook emergencies, saltwater toxicity, and all those beach mishaps are protected as accidents after waiting periods.

Yes! Foxtail removals are covered as accidents/foreign bodies when medically necessary. Whether it's a simple extraction or requires surgery, your coverage protects you from costs that can range from hundreds to thousands of dollars.

Yes! Valley Fever (coccidioidomycosis) from desert dust is covered as an illness when not pre-existing. With cases rising in California's inland regions and treatment requiring lengthy antifungal courses, having coverage provides crucial financial protection.

Yes! Heat stroke is covered as an accident—essential protection in San Diego where even 80° days with humidity can turn dangerous. While prevention is your best defense (avoid midday exercise!), we're here if the unexpected happens.

California's new SB 1217 (effective January 1, 2025) brings you greater transparency and protection. Insurers must now provide crystal-clear disclosures about coverage, exclusions, waiting periods, claims calculations, and premium factors. It also protects consumers by preventing wellness programs from being marketed as "insurance." At Embrace, our accident/illness coverage is true insurance; Wellness Rewards is your optional add-on for routine care.