Embrace Pet Insurance
Embrace Pet Insurance offers comprehensive coverage with a focus on personalized care for your pets. With their unique Healthy Pet Deductible that decreases each year you don't make a claim, 24/7 pet telehealth support, and coverage for breed-specific conditions, Embrace stands out as a top choice for pet parents seeking quality insurance with added benefits.
Coverage Options
Pricing
Claim Process
Customer Service
Why We Like Embrace Pet Insurance
What We Love
- ✓
Healthy Pet Deductible decreases each year
Get rewarded for keeping your pet healthy with a $50 annual deductible reduction
- ✓
24/7 pet telehealth support
Free access to veterinary professionals anytime, anywhere
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Coverage for breed-specific conditions
Specialized protection for hereditary and congenital conditions
Nice to See
- •
Optional wellness rewards program
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No upper age limit for enrollment
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Coverage for alternative therapies
What To Consider
- ✗
6-month waiting period for orthopedic conditions
- ✗
Pre-existing conditions not covered
- ✗
Premiums may increase with age
Embrace Overview
Pets Covered
Dogs, Cats
Multi-Pet Discount?
Yes - 10% discount on additional pets
Deductibles
$200, $300, $500, $750, $1000
Reimbursement Rate
70%, 80%, 90%
Annual Limit
$5,000, $8,000, $10,000, $15,000, $30,000
Waiting Period
14 days for accidents and illnesses
6 months for orthopedic conditions
Age Requirements
Pets must be 6 months or older
No upper age limit
Lifetime Benefit Cap?
None
Good To Know:
Embrace's Healthy Pet Deductible is a unique feature that rewards pet parents for keeping their pets healthy. Each year you don't make a claim, your deductible decreases by $50, making it more affordable to maintain coverage.
Their 24/7 pet telehealth support is included at no extra cost, providing valuable access to veterinary professionals for non-emergency concerns.
What Does Embrace Pet Insurance Cover?
Embrace offers comprehensive pet insurance coverage for dogs and cats, including accident and illness protection with optional wellness rewards. Their plans are designed to provide extensive coverage while offering unique benefits like the Healthy Pet Deductible.
Accident Coverage
- ✓Emergency treatments
- ✓Diagnostic tests
- ✓Surgery and hospitalization
- ✓Prescription medications
- ✓X-rays and imaging
- ✓Alternative therapies
Illness Coverage
Includes accident coverage plus:
- ✓Cancer treatment
- ✓Chronic conditions
- ✓Hereditary conditions
- ✓Behavioral treatments
- ✓Dental illnesses
- ✓Breed-specific conditions
Wellness Rewards
- ✓Annual wellness exams
- ✓Vaccinations
- ✓Dental cleanings
- ✓Flea and tick prevention
- ✓Heartworm testing
- ✓Microchipping
What About Pre-Existing Conditions?
Like most pet insurance companies, Embrace does not cover pre-existing conditions. A pre-existing condition is any illness or injury that occurred before your policy's effective date or during the waiting period.
However, Embrace does offer coverage for curable conditions after they've been symptom-free for 12 months. This means that if your pet had a treatable condition like an ear infection or urinary tract infection, it may be covered in the future if it's been resolved and hasn't recurred for a year.
It's important to note that chronic conditions, such as diabetes or arthritis, will not be covered even after the 12-month period.
What's Not Covered
While Embrace offers comprehensive coverage, there are some services and conditions that are not covered under their policies:
- Pre-existing conditions
- Cosmetic procedures
- Breeding, pregnancy, or whelping
- Boarding or grooming
- Experimental treatments
- Preventative care (unless you have Wellness Rewards)
How Much Does Embrace Pet Insurance Cost?
Embrace offers customizable pet insurance plans that allow you to adjust your premium based on your coverage preferences. The main factors that affect your premium are:
Deductibles
$200, $300, $500, $750, $1000
Lower deductibles mean higher premiums
Reimbursement Rate
70%, 80%, 90%
Higher reimbursement rates mean higher premiums
Annual Limit
$5,000, $8,000, $10,000, $15,000, $30,000
Higher annual limits mean higher premiums
Other factors that impact your premium cost:
- Your pet's age: Older pets typically have higher premiums
- Your location: Veterinary costs vary by region
- Your pet's breed: Some breeds are more prone to certain conditions
- Wellness Rewards: Optional add-on for preventative care
How Does Embrace Pet Insurance Work?
Embrace operates on a reimbursement model. Here's how the process works:
- 1
Visit any licensed veterinarian
You can visit any licensed vet in the U.S. or Canada.
You'll need to pay the full cost of treatment upfront.
- 2
Submit your claim
Submit your claim through the website or mobile app. You have 180 days to file a claim.
- 3
Get reimbursed
Embrace will process your claim and reimburse you for covered expenses.
Most claims are processed within 10-15 business days.
How to Contact Embrace Pet Insurance
Phone
1-800-511-9172
Customer Service Hours
Monday - Friday: 8am - 8pm EST
Ready to Protect Your Pet?
Embrace offers comprehensive pet insurance plans with unique benefits like the Healthy Pet Deductible and 24/7 telehealth support.