EMBRACE
Pet Insurance Review
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COVERAGE OPTIONS
Accident & Illness
Accident Only
Wellness Add-On
Coverage includes treatment while travelling internationally for up to 6 months
COVERAGE LIMITS
Unlimited annual limits available
ONLINE SUPPORT
24/7 Paw Support telehealth
OLDER PETS
Accident & Illness policies are not available for pets 15+ years old enrolling for the first time
CLAIM PROCESSING
You pay the vet bill directly and then file a claim for reimbursement
REIMBURSEMENT RATES
100% not an option (90% max)
WELLNESS LIMIT
$650 annual maximum annual limit
DEDUCTIBLE REDUCTION
$50 reduction in your annual deductible for each year you do not require a claim reimbursement
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Accidents
Broken bones & toenails
Intoxication, poisoning, foreign matter ingestion
Dental trauma
Car accidents
Bloat
Illnesses
Cancer
Pneumonia
Diarrhea
Vomiting
Giardia
Dental Illnesses
Periodontal disease
Gingivitis
Root canals & crowns
Oral masses
Extractions
Breed Specific & Genetic Conditions
Hip & elbow dysplasia
Brachycephalic syndrome
Hyper- & Hypothyroidism
Patellar Luxation
Intervertebral disc disease
Treatments
Acupuncture
Chiropractic care
Hydrotherapy
Physiotherapy
Therapeutic laser treatment
Behavioral therapy
Emergency veterinary care
Specialist care
Diagnostic testing: biopsies, urinalysis, non-routine fecal exams,
Hospitalization
Surgery
Prosthetics and mobility devices
Prescription drugs
Pre-existing conditions if symptom free and treatment free for 12 months
Euthanasia
24/7 Paw Support telehealth
New policies for pets over 14 years old are only eligible for the Accident Only plan
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Includes, but not limited to,
Bloat
Foreign body ingestion
Getting hit by a car
Poisoning
Cuts and lacerations
New policies for pets over age 14 are only eligible for the Accident Only policy
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Preventative care including,
Wellness exam fees
Vaccinations and titers
Flea, tick, and heartworm
Fecal and routine blood tests
Microchipping
Nutritional supplements
Grooming
Nail trimming
Training
Spay/neuter surgery
Dental cleanings
Prescription diet food
Routine chiropractic care
Reiki, massage therapy, acupuncture
Cremation or burial
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Incurable pre-existing conditions
Breeding, whelping, or pregnancy
DNA testing or cloning
Injury or illness from fighting, racing, cruelty, or neglect
Cosmetic procedures
Avian flu or nuclear war
Routine veterinary care
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
AVAILABILITY BY STATE
At the time of writing, Embrace was active in all states except Maine. Such availability is subject to change.
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Accident & Illness limits include:
$5,000
$8,000
$10,000
$15,000
$ Unlimited
Accident Only limit:
$5,000
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Accident & Illness
70%
80%
90%
Accident Only
90%
Wellness Plan
$250-650 allowance per year
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2 days for accidents
14 days for most illnesses
6 months for orthopedic conditions
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Premiums
Premiums factor in your pet’s breed, age, and optional add-ons, if any, that you choose
Discounts
10% Multi-pet
5% Military
Deductibles
Choosing a higher deductible will decrease premiums
Choosing a lower deductible will increase premiums
One annual deductible per pet
Decreases $50 per year if no claims are filed
Deductibles range from $100 - $1,000 for Accident & Illness plans and $100 for Accident Only plans
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Insurance partners:
American Southern Home Insurance
American Modern Insurance
