Business Details
23 Years
experience
Emergency
services
Trusted Pet Insurance Coverage for Dogs & Cats
Embrace Pet Insurance has been dedicated to pet health and providing peace of mind to pet parents since 2003. We offer easy-to-understand pet insurance plans designed to cover unexpected accidents, illnesses, and chronic conditions, ensuring pets receive the best care possible. Our lightning-fast claims process and 24/7 telehealth support set us apart in the industry. With over 18 years of expertise, we serve more than 500,000 pets nationwide, offering customizable policies and Wellness Rewards for routine care. Our team distinguishes between curable and incurable pre-existing conditions, providing coverage opportunities where others won't.We empower pet owners with financial protection against veterinary emergencies while promoting preventive care through optional wellness plans. Our network-free policy allows clients to choose any licensed veterinarian in the U.S., and our claims process requires no paperwork beyond submitting an itemized invoice. We maintain transparency about policy terms, limitations, and premium factors including age, breed, and location.
Services
Pet Insurance
Dog Insurance
Cat Insurance
Wellness Plans
Dental Coverage
Details
- Year established: 2003
Highlights and features
- We offer 18 years of specialized pet insurance expertise
- Our 24/7 telehealth support provides immediate pet health guidance
- Coverage includes chronic conditions like diabetes and allergies
- No network restrictions allow any licensed U.S. veterinarian
- Wellness Rewards program supports preventive care expenses
What people say
Fast claims processing
24/7 telehealth support
Comprehensive coverage
Network flexibility
Wellness plan benefits
Services
Pet Insurance
Our pet insurance plans provide financial protection against unexpected veterinary costs for dogs and cats. Coverage includes accidents, illnesses, chronic conditions, and dental disease. Policies reimburse pet owners for covered expenses after visiting any licensed veterinarian in the U.S., with no network restrictions limiting provider choices.
Wellness Plans
Optional wellness plans cover routine veterinary expenses including vaccinations, annual exams, parasite control, and dental cleanings. These plans help budget for preventive care, promoting early detection of health issues while reducing out-of-pocket costs through structured reimbursement.
24/7 Telehealth
PawSupport offers round-the-clock access to pet health professionals through phone, chat, or video. Services include medical advice, poison control guidance, medication consultations, and behavioral support. This complimentary service helps pet owners make informed decisions about urgent care needs at any time.
Dental Coverage
Dental disease coverage includes treatment for periodontal disease, tooth extractions, and oral infections. Policies reimburse for diagnostic imaging, surgical procedures, and professional cleanings when medically necessary. This coverage addresses one of the most common health issues affecting companion animals.
Pre-Existing Conditions
We distinguish between curable and incurable pre-existing conditions. Curable conditions like ear infections may become eligible for coverage after 12 months symptom-free. Medical history reviews analyze records from the 12 months prior to policy purchase to determine coverage eligibility for existing health concerns.
Questions
What does pet insurance cover?
Pet insurance covers unexpected accidents, illnesses, chronic conditions, and dental disease. This includes diagnostics, surgeries, medications, and treatments when pets get sick or injured, subject to policy terms and exclusions.
How much does pet insurance cost?
Premiums vary based on pet age, breed, location, and coverage level. At Embrace, you customize deductibles, reimbursement percentages, and annual limits to create a plan fitting your budget and pet's needs.
Does insurance cover pre-existing conditions?
No company covers pre-existing conditions, but Embrace distinguishes curable from incurable conditions. Curable issues like ear infections may become eligible for coverage after 12 months without symptoms.
Can I use any veterinarian?
Yes, Embrace has no network restrictions. You may visit any licensed veterinarian, specialist, or emergency clinic in the U.S., maintaining complete freedom to choose your pet's healthcare provider.
How do wellness plans work?
Wellness plans reimburse for routine care like vaccines, annual exams, and dental cleanings. These optional plans help budget for preventive care, with reimbursement based on annual maximums and specific covered services.
How quickly are claims processed?
Claims typically process within 5-7 business days after submission. First claims may take longer due to initial medical history review. Direct deposit payments usually arrive within 2 business days after approval.
