embracepetinsurance.com

Accessories embracepetinsurance.com

Visit Embracepetinsurance.comembracepetinsurance.com ↗

You'll be redirected to the official store

This webpage contains affiliate links. We may earn commissions for purchases made through affiliate links in this webpage. For more information, please read our Affiliate Disclaimer Policy.

Embrace Pet Insurance provides customizable medical coverage for dogs and cats across the United States. Known for its optional Wellness Rewards and straightforward claims process, Embrace helps owners manage unexpected veterinary bills with flexible deductibles and reimbursement levels tailored to each pet’s needs.

Best forPet owners in the United States seeking comprehensive accident & illness coverage with optional preventive care add-ons

Price range–

Ships toUnited States

Top Features

✅Customizable CoverageChoose deductible, reimbursement percentage and annual limits so you can balance monthly cost and out-of-pocket exposure for your pet’s accident & illness coverage.

💊Wellness RewardsOptional Wellness Rewards add-on reimburses routine care like vaccines, flea/tick prevention and dental cleanings — a useful complement to accident & illness plans.

📱Digital ClaimsFile claims via the Embrace mobile app or website; many customers report fast electronic reimbursements and clear claim tracking.

Plan Details

What Embrace Covers

Embrace focuses on accident & illness coverage for dogs and cats, including diagnostic testing, surgeries, and treatment for covered conditions. Plans typically exclude pre-existing conditions and may have waiting periods. You can select reimbursement rates and deductibles to influence premium cost; hereditary and congenital conditions are commonly covered once any applicable waiting periods have passed.

Wellness & Add-ons

The Wellness Rewards program is an optional add-on that reimburses routine and preventive care such as vaccinations, dental cleanings, and parasite prevention. It’s structured as a separate annual pool with set limits and choice of reimbursement levels, making it useful for owners who want predictable support for preventive spending beyond accident & illness protection.

Claims & Service

Embrace emphasizes digital convenience: submit claims through the app or online portal, attach vet invoices, and track progress in real time. Reimbursements can be issued by direct deposit or check. Customer service handles policy questions, plan changes, and multi-pet discounts — expect responsive support and transparent claim explanations if you need to appeal a decision.

Plan Types

Accident & Illness InsuranceWellness Rewards (Preventive Care)Dental CoverageExam Fee CoverageHereditary & Congenital CoveragePrescription Medication CoverageMulti-pet PlansSenior Pet Coverage

Final Take

What we like

Flexible plan customization (deductible, reimbursement, annual limit)
Optional Wellness Rewards for routine care
Easy digital claims via app and online portal
Covers many hereditary and congenital conditions after waiting periods

Worth knowing

Pre-existing conditions are excluded
Older pets can face higher premiums depending on coverage choices

Common Questions

Do you ship a physical insurance card or paperwork?

Policies and ID cards are delivered electronically—immediately by email and available in your Embrace account and mobile app. If you need printed copies, you can download and print policy documents from your account or request help from customer support.

How do cancellations and refunds work?

You may cancel your policy at any time through your account or by contacting support. Refunds for unused premium are typically calculated pro rata. Check your policy documents or contact Embrace customer service for specifics on prorated refunds and any state-specific rules.

Are there discounts or promotions I can use?

Embrace often offers multi-pet pricing and periodic promotional rates. Available discounts and promotions vary by state and time; check the Embrace website, get a quote online, or speak with a representative to learn current offers that may apply to your pets.