Embrace Pet Insurance

You got above and beyond for your pet, so they designed their coverage to do the same – in sickness and in health.
dog products

Embrace Pet Insurance Coverage

Embrace pet insurance is a US-based insurance company that can cover unexpected health-related services for dogs and cats. It is one of the most popular pet insurance providers, so this should be high on your list of considerations when looking for cat or dog insurance.

The pet insurance company prides itself on offering:

  • Industry’s Best Diminishing Deductibles
  • Up to 90% Back
  • Coverage for Exam Fees

Pet owners love that the company offers illness coverage as well as an optional routine care product to help offset the high costs of veterinarian care throughout the pet’s life.

Embrace Pet Insurance’s motto is:

You got above and beyond for your pet, so we designed our coverage to do the same – in sickness and in health.


Embrace Pet Insurance Coverage

Embrace offers one comprehensive accident and illness plan that has options to personalize the policy parameters such as the deductible and reimbursement percentage. Upon enrollment we ask for information such as the pet’s age and breed which will factor in when determining the cost of your insurance policy.

In general, Embrace pet insurance coverage includes:

  • Illnesses
  • Injuries
  • Hospitalization
  • Surgery
  • Emergency
  • Specialty Care
  • Hereditary Conditions
  • Breed-Specific Conditions (i.e. Hip Dysplasia)
  • Congenital Conditions
  • Chronic Conditions
  • Cancer Treatment
  • Behavioral Therapy
  • Diagnostic Testing
  • Prescription Drugs
  • Alternative Therapies
  • Rehabilitation
  • Dental Illnesses ($1,000 limit per year)
  • Orthopedic Conditions
  • Prosthetic Limbs
  • Mobility Aids

The above Embrace pet insurance coverage may not be 100% paid for in all circumstances. It is important to learn as much as possible about the conditions or situations your dog is at most risk for before committing to a pet insurance plan.

Embrace offers an accident-only policy for pets over the age of 15 or those that request this option.

What Embrace Pet Insurance Does NOT Cover

Embrace pet insurance plan do not cover pre-existing conditions BUT they only review the last 12 months of medical history. Other pet insurance companies review the last 24 years.

Most of the health-related services Embrace pet insurance company does not cover is typical of others, such as:

  • Breeding
  • Pregnancy
  • DNA Testing
  • Cloning
  • Cosmetic Procedures
  • Routine Care*

It is important to understand Embrace Pet Insurance WILL NOT cover emergency care for any injuries or illnesses due to the maltreatment of cats or dogs. If it is believed a pet has been abused by the owner or someone the owner knows, all expenses are paid for my the owner. This includes pets suffering the consequences of being made to fight and race.

*While Embrace doesn’t cover routine care, it does have a program called Wellness Rewards. It is not insurance, but a plan that provides reimbursements back on routine care costs for your dog.

embrace pet insurance does not cover

About the Wellness Rewards Plan

The Wellness Rewards plan can be added to any pet’s policy. The wellness plan is a preventative care plan. It reimburses routine veterinary care, training, grooming costs and more.

Embrace offers three options for Wellness Rewards:

  1. Policyholders can receive up to $250 allowance per policy year, which is a yearly savings of $25.
  2. Up to $450 allowance per policy year yields a yearly savings of $24.96.
  3. The $650 allowance per policy year leads to a savings of $24.92.

Embrace recommends wellness plan option #3 for puppies since they require many more vet visits for vaccines and wellness checks. Pet parents of adult dogs shouldn’t need more than option #1. Senior pet parents may want to select option #2.

Keep in mind – the savings may seem low, but it’s better than nothing.

Embrace Pet Insurance Discounts

Embrace offers a multi pet discount for multiple pet (two or more cats/dogs) of 10%. The multi-pet discount is automatically applied to pet policies including multiple pets.

They also offer a military discount of 5%. The military discount applies to active and former members of:

  • U.S. Air Force
  • Army
  • Marines
  • Navy
  • Coast Guard

Unfortunately, the military discount does not apply in NY or TN.

The pet health insurance company does offer a discount to veterinarian clinics or other companies if they offer Embrace as a voluntary employee benefit. This discount is 10% off and is not available to companies/vet clinics in FL, NY, TN, or ND.

Annual Deductible Diminishes Over Time

Embrace pet health insurance rewards its policyholders with $50 off the annual deductible every year a claim payment is not received. For instance, if you do not file a claim for two years, the healthy pet deductible is reduced by $100.

embrace pet insurance discounts

Embrace Pet Insurance Coverage FAQs

The following are the most frequently asked questions by pet parents.

Does Embrace pet insurance cover euthanasia?

While Embrace pet health insurance doesn’t cover euthanasia, the Wellness Rewards plan does cover it.

Does Embrace Pet Insurance cover hip dysplasia?

Yes, hip dysplasia is a breed-specific – hereditary condition so it is covered as long as it is not a pre-existing condition with symptoms in the last 12 months.

Does Embrace Pet Insurance cover neutering?

The pet insurance policy does not cover neutering, but Embrace’s wellness plan does cover it.

Does Embrace Pet Insurance begin immediately?

No, Embrace Pet Insurance has different waiting periods depending on illness, injury or condition.

Illness 14 Days
Injury 48 Hours
Orthopedic Conditions 6 Months

The waiting period may be shorter for orthopedic condition if waived. Embrace requires a veterinarian to complete an Embrace Orthopedic Exam Report Card. This report card includes information about:

  • The hips and legs, identifying any signs of hip dysplasia, luxating patellas, and cruciate ligament tears.
  • The shoulders and forelimbs in case of elbow dysplasia and osteochondritis dissecans.
  • The spine to identify any signs of intervertebral disc disease.
  • Joints and arthritis risk.
  • Signs of fractures and bone cancers.

Vet bills including diagnostic tests, procedures, and x-rays are not covered by Embrace insurance but reimbursement may be possible with the wellness plan.

Does Embrace Pet Insurance cover cataract operation?

Yes, Embrace Pet Insurance covers cataract operation because it is a breed-specific or hereditary condition.

Does Embrace Pet Insurance cover cremation?

The insurance portion of a pet’s policy does not cover cremation, but the wellness plan Embrace offers may be able to cover the costs of it.

Does Embrace Pet Insurance cover dental?

Embrace Pet Insurance covers dental services up to $1,000 a year.

Does Embrace Pet Insurance cover medications?

Embrace Pet Insurance covers prescription drugs.

Does Embrace Pet Insurance do military discounts?

Yes, the pet insurance company offers 5% off policies as a military discount.

Does Embrace Pet Insurance reimburse or cover costs?

Embrace Pet Insurance reimburses policyholders. Pet parents must submit their vet bills in the claim process to receive the reimbursement.

Request a Free Quote for Embrace Pet Insurance

When looking for dog insurance, consider Embrace as it is one of the best pet insurance companies in the United States. They have an attractive, easy to navigate site and app downloadable on iOS and Android devices. They offer comprehensive injury and illness coverage and only look back 12 months for pre-existing conditions. Pet owners will enjoy the competitive rate for the policy as well as the wellness plan to help with exam fees and other dog care related services.

embrace pet insurance

Copyright 2005—2021 Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.

transparent logo

Dog Ownership Guide – D.O.G. – launched in 2021 to meet the needs of dog owners and their dogs worldwide. Our website is a place to not only learn, shop, and entertain, but share as well. Learn all that D.O.G. has to offer below and allow us to extend a warm welcome to you.

D.O.G. is an affiliate marketing website. When you purchase an item after clicking a link on our website, we recieve a small commission at NO COST to you. Thank you for supporting Dog Ownership Guide.

D.O.G. Digest

Monthly eNewsletter with NEWS, STORIES, and INFORMATION for dogs and their owners.