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Embrace Insurance Coverage

Embrace's comprehensive pet insurance policies can be personalized to maximize your pet's coverage and protect you from unexpected vet bills.

Here's the Coverage 

Vet Fees or Examination Fees

Depending on where you live and who you see, exam fees can run anywhere from $30 to upwards of $150 just to step into a vet's office. Embrace includes this fee in your reimbursement!

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Cancer Treatments

Cancer treatment coverage is included with every Embrace Pet Insurance accident and illness policy.

Embrace will help your pet get the best cancer treatment that's available.

Embrace's cancer coverage includes:
  • Testing
  • Diagnostics
  • Chemotherapy
  • Radiation therapy
  • Hospitalization
  • Rehabilitation
  • Surgery
  • Alternative therapies

Cancer treatments can take long periods of time to be completed. Embrace's cancer coverage will reimburse you up to your annual maximum each year. Embrace lets you pick your annual maximum, along with your annual deductible and reimbursement percentage, so you can get a policy that fits your budget and your needs. Regardless of how you personalize your policy, every pet enrolled has the same comprehensive coverage, including coverage for cancer treatment.

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Emergency Care and Specialists

You never know when your precious baby is going to need a veterinary specialist for have to head to the emergency hospital. Things just happen on the week ends when your regular vet is closed and you gotta go! No problem - The Embrace plan reimburses you for these expensive visits just the same as it does for your regular veterinarian. You do not need a referral to visit a specialist or a veterinary emergency room.

Some examples are:

  • Urgent Care Hospitals
  • Emergency Care Providers
  • Internal Medicine
  • Orthopedic Specialists
  • Oncologists
  • Radiologists
  • Physical Therapy
  • Ophthalmologists
  • Rehabilitation Specialists
  • Hydrotherapy Facilities
  • Any other Specialist
  • Any ER Veterinary Facility

It's 'Peace of Mind' to have insurance coverage for emergency care...You and your veterinarian can focus on doing what's important for your loved one without worrying about how to pay for it.

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Sample Policy Terms & Conditions

All new and renewal Embrace policies are issued by American Modern Insurance Group, who is an A+ Superior rated company.

Conditions can vary by state.

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Behavioral Therapy

Behavioral Training and Therapy is covered by Embrace when administered by a veterinarian for a covered condition.

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Dental Insurance Coverage

Embrace coverage includes, but is not limited to:

  • Periodontal Disease
  • Gingivitis
  • Stomatitis
  • Extractions
  • Fractured, Chipped, or Broken Teeth
  • Crowns & Root Canals

Dental accidents are covered up to your policy limit. In most states,* dental illnesses are covered up to $1,000 per policy year.

Dental accidents and illnesses are covered by Embrace as long as they are not pre-existing to your policy purchase.

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What happens when my pet gets old?

Embrace will never drop your loved one or reduce their coverage based on age, health status, or claims that you've filed. Embrace never cancels coverage for anything other than non-payment of premium, period!

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Prescription Medicines

Embrace's prescription drug coverage for take-home medications is available with every insurance policy. Embrace's coverage reimburses for FDA-approved and Homeopathic Pharmacopoeia-included drugs as long as they are prescribed for your dog or cat's covered condition(s).

Your policy will cover take-home drugs like eye & ear drops, antibiotics, allergy medications, insulin & supplies.

The prescription drug coverage applies toward prescription medications for treating covered accidents and illnesses. It does not include coverage for heartworm/flea/tick preventatives or prescription diet food. Embrace does help you budget for those items with the Wellness Rewards.

Prescription medication will require a co-pay and this cost counts toward your annual deductible, allowing you to reach your deductible sooner.

In some states prescription drug coverage is an optional add-on while in other states it is included on all new policies, so you should get a fast quote and you'll find out if it's automatically covered in your state.

Prescription dog or cat food, and preventative medications for flea, tick and heartworm are not covered by the prescription drug portion of Embrace's accident and illness insurance plan, but through the Wellness Rewards you're reimbursed 100% up to your annual limit!

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Breed-specific & Genetic Conditions

Embrace Insurance includes Full Coverage for genetic conditions.

Defects that are transmitted to a puppy or kitten from his or her parents are considered genetic, as they come from the parent's underlying defective genes. The term breed-specific condition has developed from the studies that show that some breeds have more gene defects than other breeds.

Some of these genetic conditions can lie dormant for many years, and show signs when a dog is older. Genetic conditions, breed specific or not can be very expensive to treat. In the unfortunate event that your pet develops one of these conditions, an Embrace Insurance plan will pay your veterinary bills.

    The most common breed-specific conditions are:

  • Hip Dysplasia
  • Elbow Dysplasia
  • Cancer
  • Allergies
  • Patellar Luxation
  • Interverterbral Disc Disease (IVDD)

All Embrace accident and illness policies fully cover breed-specific conditions with no per-incident or per-condition limits. You do not pay extra for this coverage. Pre-existing conditions are not covered, whether breed-specific or not, so you want to insure your pet sooner than later.

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What Is Healthy Pet Deductible

Your pet's annual deductible automatically goes down by $50 each year that you don't receive a claim reimbursement! It's that simple.

Healthy Pet Deductible is included with every policy at no extra charge.

If your dog has a $200 annual deductible on their policy then:

  • Year #1 you receive no claim reimbursement, your pet is credited $50 towards his or her deductible.
  • Year #2 you receive no claim reimbursement, your pet is credited another $50 towards his or her deductible. That's a total of $100 credit.
  • Year #3 you submit a claim for $1,300. Your $100 Healthy Pet Deductible Credit will be used, so your deductible is effectively reduced from $200 to just $100.
  • Year #4 your Healthy Pet Deductible will reset and your pet's deductible will revert back to $200.

Once your pet's deductible decreases to $0, that is as low as it can go.

The Healthy Pet Deductible applies only to accident and illness claims.

Each individual pet on your policy accumulates and uses the Healthy Pet Deductible separately from one another.

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Multi-pet Discount

Available on policies with 2 or more pets! 5-10% depending on your state of residence.

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Alternative Therapy Coverage

All Embrace policies cover alternative treatments, holistic veterinarians and therapies. The alternative treatments must be carried out by or under the direct supervision of a licensed veterinarian. The specific treatments Embrace covers include:

  • Acupuncture
  • Therapeutic Laser Treatment
  • Hydrotherapy
  • Chiropractic
  • Physiotherapy

Alternative therapies not listed here are not covered under Embrace's accident and illness insurance policies, however,they are reimbursable under The Wellness Rewards.

For new policies & renewals in AL, AZ, AR, CA, HI, ID, IA, KS, KY, LA, ME, MN, MI, MS, MT, NE, NV, NH, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, VT, WV, WI, & WY alternative and complementary therapies are covered for 12 weeks following any covered injury or illness. IN and OR new policies and renewals after 1/16/2018.

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Accident Only Coverage

Embrace's accident-only insurance coverage benefits older pets and those with certain pre-existing conditions. Dogs and cats age 15 years and older can benefit as these pets are not eligible for full accident and illness coverage.

If your pet is enrolled with an accident & illness plan before 15 years, then Embrace's full coverage will continue for life. You can change your pets health care plan at any time, but Embrace will never change your pet's coverage or drop it at a certain age.

Embrace coverage includes:

  • Cuts
  • Lacerations
  • Poisoning
  • Bloat
  • Foreign Body Ingestion
  • Torn Cruciate Ligament
  • Hit by a Car

What is not covered by Embrace's accident-only plan?

Along with pre-existing conditions, Embrace's accident-only plan does not cover:

  • Illnesses
  • Breed-specific Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Genetic Conditions
  • Dental illness
  • Prescription Drugs
  • Cancer

Embrace accident-only policy will reimburse you up to $5,000 each year. There is a $100 deductible that you pay once per year and then you're reimbursed 90% of your veterinary bills.

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What's Not Covered?

Routine Veterinary Care

Routine Veterinary Care costs like Wellness Office Visits, Flea/Tick/Heartworm Preventatives, and Vaccines are not covered in the Embrace Accident and Illness Policy. Wellness Rewards Plan is Embrace's flexible routine care program that reimburses you for everyday grooming costs, training, and veterinary costs like spay/neuter.

Pre-existing Conditions

A Pre-Existing Condition is any illness, irregularity, or injury noticed by you or your veterinarian before the end of your policy waiting period, even if your dog or cat never saw your vet for it.

Your policy terms and conditions require that your pet has been examined by a veterinarian in the last 12 months in order for your coverage to be active. Your coverage will not start until your pet has a veterinary examination.

Wellness Rewards for Routine Care  

Embrace's flexible preventative care plan is called: WELLNESS REWARDS. It reimburses you for everyday items. It's not an insurance policy, but it rewards you for being proactive with your family member and being a good pet owner.

Embrace's Pet Wellness Plan is a complementary product that can combine with your accident and illness policy, protecting your family member in sickness and in health.

Embrace's accident and illness policy covers your pet's vet bills when they are sick or injured. This Wellness Plan covers all those routine care items that keep your pet happy, well cared for, and healthy.

The Wellness Plan Reimburses These Items:

On a Budget? Not a Problem.

Do you want to get more money back?

It's easy! Simply pay a little more now and you'll get bigger reimbursements when you claim.

Wellness Rewards has 3 options for reimbursements. You choose!

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 In 2003 Embrace won the Wharton Business Plan Competition and continued on to win many awards over the years.  

 Embrace is a pet insurance company based in Cleveland, Ohio. They provide medical insurance coverage for cats and dogs. They are underwritten by American Modern Insurance Group. (AMIG) was formed in 1965 and is based in Cincinnati, Ohio. A. M. Best Company rates American Modern A+ Superior. All states, with the exception of Florida, have policies underwritten by the subsidiary American Modern Home Insurance Company. Florida has policies underwritten by American Southern Home Insurance.