Embrace Pet Insurance: A Comprehensive Guide

Pet owners have many responsibilities, one of which is ensuring that their pets receive the best healthcare possible. One way to do that is by getting pet insurance. Pet insurance can help you cover the cost of unexpected medical emergencies or illnesses. One of the most popular pet insurance providers in the US is Embrace Pet Insurance. In this comprehensive guide, we’ll take a closer look at what Embrace Pet Insurance has to offer and how it can help you protect your furry friend.

What is Embrace Pet Insurance?

Embrace Pet Insurance is a pet insurance company based in Cleveland, Ohio. Founded in 2003, the company provides coverage for dogs and cats. Embrace Pet Insurance offers comprehensive coverage that includes accidents, illnesses, and genetic conditions. They also offer optional coverage for routine care, such as vaccinations and wellness exams.

Embrace Pet Insurance is known for its customer service and transparent policies. They have a team of experienced and licensed pet insurance advisors who can help you choose the best coverage for your pet’s needs. They also have a user-friendly website that allows you to manage your policy and file claims online.

What does Embrace Pet Insurance cover?

Embrace Pet Insurance offers three levels of coverage: accident and illness, accident-only, and wellness rewards. Here’s a breakdown of what each plan covers:

Hereditary Conditions
Congenital Conditions
Prescription Medications
Alternative Treatments
Behavioral Therapy
Cancer Treatment
Diagnostic Testing
Prosthetic Devices
Accident and Illness
Wellness Rewards

The accident and illness plan is the most comprehensive plan and covers most medical conditions. The accident-only plan only covers accidents, such as broken bones, cuts, and poisonings. The wellness rewards plan covers routine care, including vaccinations, wellness exams, and flea and tick prevention.

How much does Embrace Pet Insurance cost?

The cost of Embrace Pet Insurance depends on several factors, including your pet’s breed, age, and health history. The cost of the plan also depends on the level of coverage you choose and the deductible and co-pay you select. Embrace Pet Insurance offers customizable plans that allow you to choose the coverage that best fits your budget and your pet’s needs.

On average, Embrace Pet Insurance plans start at around $10 per month for accident-only coverage and $50 per month for accident and illness coverage. The cost of the wellness rewards plan starts at around $18 per month.

How to enroll in Embrace Pet Insurance?

To enroll in Embrace Pet Insurance, you’ll need to provide some basic information about your pet, including their breed, age, and medical history. You can get a quote online or by calling Embrace Pet Insurance directly. Once you’ve chosen a plan that suits your needs, you can complete the enrollment process online or by phone.

Embrace Pet Insurance also offers a 30-day money-back guarantee. If you’re not satisfied with your policy, you can cancel it within the first 30 days and get a full refund.


What types of pets does Embrace Pet Insurance cover?

Embrace Pet Insurance covers dogs and cats of all breeds and ages. They offer coverage for both mixed and purebred pets.

Is there a waiting period for coverage?

Yes, there is a waiting period for coverage. The waiting period for accidents is typically 24-48 hours, while the waiting period for illnesses is typically 14 days. The waiting period ensures that pet owners don’t purchase insurance after their pet has already been diagnosed with a medical condition.

Can I use any veterinarian with Embrace Pet Insurance?

Yes, you can use any licensed veterinarian with Embrace Pet Insurance. Embrace Pet Insurance does not have a network of preferred providers, so you’re free to choose the vet that’s best for your pet.

Can I add or remove coverage at any time?

Yes, you can add or remove coverage at any time by contacting Embrace Pet Insurance customer service. Adding or removing coverage may affect your monthly premium.

How long does it take to receive reimbursement for a claim?

Embrace Pet Insurance typically processes claims within 10-15 business days. Once your claim is approved, you can receive reimbursement via check or direct deposit.

Does Embrace Pet Insurance cover pre-existing conditions?

No, Embrace Pet Insurance does not cover pre-existing conditions. A pre-existing condition is any medical condition that your pet had before you enrolled in Embrace Pet Insurance. However, Embrace Pet Insurance will cover conditions that are cured and have been symptom-free for at least 12 months.


Embrace Pet Insurance is a comprehensive pet insurance provider that offers coverage for accidents, illnesses, and routine care. With customizable plans and flexible coverage options, Embrace Pet Insurance can help you protect your pet’s health and well-being. If you’re looking for a pet insurance provider that is transparent, reliable, and customer-focused, Embrace Pet Insurance may be the right choice for you and your furry friend.