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Embrace Pet Insurance
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Get Quote
 * Pet Insurance
   Pet Insurance
   * Dog Insurance
   * Cat Insurance
   * Pet Wellness Plans
   * Pet Dental Insurance
   * Pet Insurance & Pre-existing Conditions
   * Full Coverage Pet Insurance
   * How Does Pet Insurance Work?
   * Pet Insurance Costs
 * Compare
   Compare
   * Compare Pet Insurance
   * Embrace vs ASPCA
   * Embrace vs Fetch
   * Embrace vs Healthy Paws
   * Embrace vs Lemonade
   * Embrace vs Banfield
   * Embrace vs Metlife
   * Embrace vs Nationwide
   * Embrace vs Pets Best
   * Embrace vs Pumpkin
   * Embrace vs Spot
   * Embrace vs Trupanion
 * Help Center
   Help Center
   * Submit & View Claims
   * FAQs
   * Contact Us
 * Resources
   Resources
   * Water Bowl Blog
   * Pet Insurance 101
   * Dog Breeds
   * Cat Breeds
   * Pet Health Conditions
   * Careers


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 * (800) 511-9172


PET INSURANCE FOR THE UNEXPECTED

 * Unlimited reimbursement

 * Claims made easy

 * Use at any vet



See Your Price Continue a Saved Quote

or Call (800) 779-1539

Rated 5-star pet insurance by Forbes


COMPREHENSIVE PET HEALTH INSURANCE FOR YOUR PETS’ NEEDS

Every 6 seconds, a pet parent is handed an emergency vet bill of $1,000 or more.
With Embrace cat insurance and dog insurance, you don’t have to choose between
your pet and your savings.


ILLNESSES & CONDITIONS

We cover all your pet’s unexpected illnesses, genetic conditions, and curable
pre-existing conditions. 


ACCIDENTS & INJURIES

Accidents happen, which is why our pet insurance covers everything from broken
bones and ligament tears to poisoning and more.


DENTAL WORK

Your pet’s unexpected dental work is covered in our pet dental insurance plan,
including tooth extractions, gingivitis care, root canals, and more. 


PRESCRIPTIONS

For covered conditions, pet prescription coverage includes your pet’s
medications like antibiotics, oral chemotherapy, steroids, insulin, and more. 

See Coverage Details


PET WELLNESS PLAN FOR ROUTINE HEALTH CARE

Great for puppies and kittens, our optional Wellness plan can be purchased in
addition to your pet insurance policy. It helps you budget for expected
expenses such as vaccinations, annual checkups and more.

See Wellness Details
Pet insurance that has you covered

We know what pet parents need in a pet insurance policy, which is why we offer:

 * 10% Multi-pet discount

 * Exam fee coverage

 * Free 24/7 pet helpline



Trustpilot


GET YOUR PERSONALIZED PET INSURANCE QUOTE IN SECONDS

Call (800) 779-1539

See Pricing


HOW EMBRACE PET INSURANCE WORKS

 1. Visit any vet

With no network restrictions, you can choose from any veterinarian, including
emergency and specialist vet clinics.

 1. Submit a claim online

Take a picture of your invoice and submit using the Embrace website or app. No
claim form or paperwork needed.

 1. Get money back fast

Use direct deposit and get paid right to your account when your claim is
approved.


EMBRACE LEADS THE PACK

We offer one simple and customizable pet health care plan, letting you choose
the price and coverage you need. Compare coverage options and benefits of the
other pet insurance providers below to see the difference.

Healthy Paws Nationwide WholePet® Pets Best Trupanion

Plan features Healthy Paws Nationwide WholePet® Pets Best Trupanion Flexible
wellness plan Per-item Limits Dental illness coverage Costs Extra Costs Extra
Overall coverage for exam fees Costs extra Extra office visits for senior pets
Hip dysplasia coverage on all Accident & Illness policies

Pet Insurance Comparisons


DEXTER'S GALLSTONES, COVERED

"Embrace turned a very upsetting and stressful time into a comforting one."

Karalee M. - Reimbursed $4,529.08


HERE ARE SOME PET HEALTH INSURANCE QUESTIONS WE GET ASKED A LOT


WHAT IS PET INSURANCE?

Pet insurance reimburses you for a portion of covered vet bills if your dog or
cat were to unexpectedly get hurt or sick so that you can afford to get your pet
the best care in the event of a costly accident or illness. Think of pet
insurance like car insurance – it’s there to give you a financial safety net if
something unexpected were to happen. Just like your car insurance doesn’t cover
routine maintenance or any accidents you got into before purchasing the policy,
pet insurance plans typically don’t cover routine care costs and pre-existing
conditions. Learn more about how pet insurance works.


HOW MUCH IS PET INSURANCE?

The cost of pet insurance prices can vary widely depending on the type of pet
you have, their age, their breed, and even where you live. At Embrace, we allow
you to personalize parts of your policy so that you can get the best plan for
your pet’s needs and your budget. Learn more about our pricing options.


WHAT IS A PRE-EXISTING CONDITION?

A pre-existing condition is any injury, illness, or irregularity noticed by you
or your veterinarian before the end of your waiting period, even if your pet
never went to see the veterinarian for it.


WHICH PET INSURANCE COVERS PRE-EXISTING CONDITIONS?

No pet insurance company covers pre-existing conditions.

However, Embrace does distinguish between curable and incurable pre-existing
conditions. Examples of incurable pre-existing conditions include diabetes,
allergies, etc. Curable pre-existing conditions include things like ear
infections and undiagnosed vomiting or diarrhea. As these issues can be
completely cleared up, they could be covered moving forward if the pet goes 12
months symptom free.

We define what conditions are pre-existing for your pet by requesting their
medical records for the 12 months (or less, if they are a new addition) prior to
the purchase of the policy. If you’d like, you can request that we do a Medical
History Review, which involves one of our claims adjusters reviewing your pet’s
medical records to let you know what – if any – conditions would be considered
pre-existing. It’s important to note that we don’t automatically do these
medical history reviews, you must request one. However, they are free of charge
and available to anyone who has a policy.


IS PET INSURANCE WORTH IT?

Financial challenges happen, and that's the very reason pet insurance is worth
it if you can find a way to fit the premiums into your budget. It's easier to
find a small amount each month than thousands of dollars at once in an
emergency. If you’re the type of person who would do anything to save your pet,
it’s better to pay a small premium for even a basic policy to help get your pet
the care they need.


DO ALL VETERINARIANS TAKE PET INSURANCE?

Unlike human health insurance, pet insurance has no networks. Because it works
based on a reimbursement method, you pay the vet directly, submit your claim,
and we pay you back — you can visit any veterinarian, specialist, or emergency
hospital you like.


DOES PET INSURANCE COVER VACCINES?

Vaccines are preventative and not covered by insurance. However, it can be
reimbursed through our optional wellness plan that can be added onto your
policy.


DOES PET INSURANCE COVER SPAYING AND NEUTERING?

Spay/neuter surgery is preventative and not covered by insurance. However, it
can be reimbursed through our optional wellness plan that can be added onto your
policy.

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Copyright 2005—2024 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. © 2024 American Modern Insurance Group,
Inc.




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