About
Embrace Pet Insurance is a full-coverage pet health insurance provider offering dog and cat insurance plans that can be used at any licensed veterinarian—no network required. Plans cover a broad range of conditions including chronic illnesses like cancer, diabetes, and arthritis; accidents such as broken bones and poisoning; dental disease including extractions and gingivitis; and recurring conditions. Embrace reimburses up to 90% of eligible vet bills, with 90% of claims paid within 10 days. Pet owners can also add optional Wellness Rewards plans for routine preventive care like annual exams, vaccines, parasite control, and dental cleanings, helping spread predictable costs throughout the year and catch health issues early. A complimentary 24/7 telehealth service is included with all policies, giving pet parents around-the-clock access to veterinary guidance. Embrace is ideal for pet owners who want financial peace of mind without being restricted to a specific vet network. With lifetime illness coverage, coverage for recurring issues, and an optional Rx prescription plan, Embrace is designed to keep pets healthier at every life stage while protecting owners from unexpected and potentially devastating veterinary bills.
Key Features
- Any Licensed Vet, No Network: Use your preferred veterinarian or any licensed vet in the country without network restrictions.
- Up to 90% Reimbursement: Get up to 90% of eligible veterinary bills reimbursed, with 90% of claims processed within 10 days.
- Lifetime Illness & Recurring Condition Coverage: Covers chronic and recurring conditions such as diabetes, arthritis, cancer, and skin conditions for the life of the pet.
- Optional Wellness Rewards Plan: Add-on routine care coverage for annual exams, vaccines, dental cleanings, and parasite control to manage predictable costs.
- 24/7 Telehealth Support: Free around-the-clock veterinary telehealth access included with all policies for immediate guidance.
Use Cases
- A dog owner covering unexpected surgery costs after their pet swallows a foreign object, avoiding thousands of dollars in out-of-pocket expenses.
- A cat owner managing long-term treatment for a chronic illness like lymphoma or diabetes with predictable monthly premiums.
- A new pet parent adding a Wellness Rewards plan to budget for annual vaccines, exams, and dental cleanings throughout the year.
- A pet owner living in a rural area needing the flexibility to visit any local licensed vet without network restrictions.
- A family seeking financial peace of mind with 24/7 telehealth access so they can get veterinary guidance at any hour without an emergency visit.
Pros
- No Vet Network Restrictions: Pet owners can visit any licensed vet in the US, offering maximum flexibility and continuity of care.
- Fast Claims Processing: 90% of claims are reimbursed within 10 days, minimizing financial stress after vet visits.
- Comprehensive Coverage: Covers a wide spectrum—from accidents and illnesses to dental disease and chronic recurring conditions—reducing coverage gaps.
- Long-Standing Reputation: Over 18 years of experience and more than 500,000 pets insured builds significant trust among pet owners.
Cons
- Premium Cost: Monthly premiums can be significant, particularly for older pets or breeds prone to health issues.
- Reimbursement Model: Pet owners must pay vet bills upfront and wait for reimbursement rather than having bills paid directly to the vet.
- Pre-existing Condition Limitations: Like most pet insurers, conditions pre-existing before enrollment may not be covered under standard plans.
Frequently Asked Questions
Can I use Embrace Pet Insurance at any vet?
Yes. Embrace has no vet network. You can visit any licensed veterinarian, specialist, or emergency clinic in the United States.
How much does Embrace reimburse per claim?
Embrace reimburses up to 90% of eligible veterinary expenses after you meet your deductible. You choose your reimbursement percentage and deductible when enrolling.
Does Embrace cover chronic or recurring conditions?
Yes. Unlike many insurers, Embrace covers chronic and recurring conditions throughout the life of the policy, including illnesses like diabetes, arthritis, and skin conditions.
What is the Wellness Rewards plan?
Wellness Rewards is an optional add-on that helps cover routine preventive care costs such as annual exams, vaccines, parasite prevention, and dental cleanings.
How long does it take to get reimbursed?
Embrace processes 90% of claims within 10 days of receiving all required documentation.
