Embrace Pet Insurance: Everything to Know Before Signing Up

Embrace Pet Insurance offers plans designed to support both unexpected accidents—like broken bones or swallowed objects—and everyday wellness needs. With years of pet insurance expertise and options that can be added onto your policy for preventative care, Embrace makes it easier to give your furry friend the attention they deserve. Before you obtain pet insurance quotes or click for price, here’s what you need to know.

 

Who is Embrace Pet Insurance?

Embrace Pet Insurance is a U.S.-based pet insurance company founded in 2003 with a mission to help pet parents provide the best possible care for their animals. Headquartered in Cleveland, Ohio, the company has built a strong reputation over the years for its transparent policies, customizable plans, and compassionate customer service.

 

Embrace offers coverage for accidents, illnesses, and even some pre-existing conditions—unlike human health insurance, which typically excludes such cases entirely. In addition to its core insurance offerings, Embrace also provides optional wellness rewards for routine care, allowing pet owners to receive reimbursements for preventative treatments like vaccines and annual checkups.

 

With more than 18 years of pet insurance experience, Embrace continues to grow as a trusted name in the industry, known for its dedication to helping pets live healthier, happier lives.

 

Coverage Offers by Embrace

Embrace Pet Insurance offers a variety of coverage options designed to meet the diverse needs of pet owners. From unexpected emergencies to everyday wellness care, their plans aim to ensure that your pet insurance has you covered when it matters most.

 

 

Accident and Illness Coverage

This core policy covers a wide range of issues, including broken bones, swallowed objects, poisoning, chronic conditions, and more. It's designed for sudden medical events and long-term health challenges, helping pet owners manage costly vet bills.

 

 

Wellness Rewards for Routine Care

Offered as an optional add-on, this feature provides reimbursement for preventative and not covered services such as vaccines, annual exams, dental cleanings, and even training classes. It works like a savings account for proactive pet care.

 

 

Coverage for Chronic and Incurable Pre-Existing Conditions

Unlike many other pet insurance providers, Embrace evaluates pre-existing conditions on a case-by-case basis. While incurable pre-existing conditions may not be covered, some curable ones can be eligible for future claims after a symptom-free period.

 

 

Additional Benefits

Embrace also includes unique features like coverage for alternative therapies (such as acupuncture or hydrotherapy), behavioral therapy, and even genetic conditions. These options can be added onto your policy depending on your pet's needs.

 

Embrace Wellness Rewards

Embrace Pet Insurance offers an optional program called Wellness Rewards, which helps pet parents proactively manage routine care expenses that are not typically covered under standard insurance policies. Unlike traditional coverage that focuses on unexpected medical issues, this program is structured as a reimbursement-based system for everyday, preventative services.

 

 

It’s not a pet insurance policy itself, but rather a budgeting tool that promotes a proactive approach to keeping pets healthy year-round. Pet owners can choose from different annual allowance levels, which are then used to cover eligible wellness expenses throughout the year. 

 

 

This feature is especially valuable for those who want to stay ahead of their pet’s routine health needs, making it easier to afford consistent care. Wellness Rewards can be used for:

 

• Annual wellness exams
• Vaccines and boosters
• Flea, tick, and heartworm prevention
• Spaying or neutering
• Microchipping
• Routine bloodwork
• Grooming and nail trimming
• Training classes
• Prescription diet food
• Pet activity monitors

 

This program supports an active lifestyle for pets and gives peace of mind to owners who believe their best friends deserve the best routine care.

 

Embrace Insurance Policy Exclusion

While Embrace Pet Insurance offers comprehensive coverage, there are specific exclusions that pet owners should be aware of before enrolling.

 

• Pre-existing conditions
• Preventative and not covered services
• Cosmetic procedures
• Breeding and pregnancy
• Experimental treatments
• Routine dental cleaning (without Wellness Rewards)
• Obedience training (without Wellness Rewards)
• Elective procedures

 

Policy Holder Requirements

To enroll in Embrace Pet Insurance, policyholders must meet a few basic requirements.

 

• Pet age limits
• Veterinary exam
• Residency
• Complete application
• Coverage waiting period
• One pet per policy

 

How to Process Claims with Embrace Pet Insurance

Submitting a claim with Embrace Pet Insurance is a straightforward process designed to help policyholders get reimbursed quickly and efficiently for eligible expenses.

 

 

1. Visit Any Licensed Veterinarian

You can visit any licensed vet in the U.S. for treatment. Embrace allows flexibility in choosing providers, whether for emergencies like broken bones or routine care.

 

 

2. Pay for Services Upfront

After the visit, you'll need to pay the bill out-of-pocket. Be sure to collect a detailed invoice outlining the services provided and the costs.

 

 

3. Submit a Claim Online

Log into your MyEmbrace account via their website or mobile app. From there, you can submit a claim online by uploading your invoice and completing a short form. This is where you'll want to include any necessary documentation, especially for items like wellness rewards for routine care.

 

 

4. Wait for Review and Approval

Claims are typically processed within 10-15 business days. Embrace will review the documentation, compare it against your coverage, and determine the reimbursement amount.

 

 

5. Receive Reimbursement

Once approved, reimbursement will be issued by direct deposit or mailed check. You can track your claim’s status at any time through your online account.

 

Embrace Pet Insurance Reviews

Embrace Pet Insurance has garnered attention across various review platforms for its comprehensive coverage options and customer service. Below is a summary of ratings and key takeaways from several reputable sources:

 

 

Final Thoughts

Our furry pals deserve the best pet insurance out there, and Embrace offers a well-rounded solution for owners seeking both comprehensive coverage and proactive wellness care. With flexible plans, years of pet insurance expertise, and options that reward routine care, it’s a strong contender for those who believe their best friends deserve the best. Before signing up, take time to review policy details, exclusions, and wellness options to ensure it aligns with your pet’s needs.