About Embrace pet insurance
Cleveland-based Embrace pet insurance has been in business since 2006. It partners with American Modern Insurance Company to underwrite its policies and insures more than 500,000 dogs and cats.
Embrace donates money for every policy it issues and matches employee donations at 100%, even for non-pet-related charities. It also gives back to its community by hosting a fundraising competition for local nonprofits. Consider this Embrace pet insurance review when comparing carriers to find the company that best meets your pet’s needs and your budget.
Embrace pet insurance rates
We understand budget is a deciding factor for many pet owners. We’ve gathered Embrace pet insurance quotes to give you an idea of what you might pay for coverage with Embrace. These rates are for breeds averaged across 25 ZIP codes.
Source: Petinsurer.com. Rates are based on the average monthly cost of pet insurance for dogs at ages 3 months and 3 years, with a $250 deductible and 80% reimbursement level.
What Embrace pet insurance covers
Embrace’s accident and illness pet insurance coverage options include:
- Breed-specific, congenital, genetic and chronic conditions.
- Complementary treatments.
- Dental illnesses.
- Diagnostic exam fees.
- Diagnostic testing.
- Emergency care.
- Hospitalization.
- Orthopedic conditions.
- Prescription drugs.
- Preventable conditions.
- Rehabilitation.
- Specialist care.
- Surgery.
Pet owners can also choose Embrace’s cheaper option, accident-only coverage. This includes the above coverages, but only if they relate to a dog or cat’s accidental injuries.
Embrace wellness rewards
Pet owners can choose to add Embrace’s wellness rewards plan, which includes coverage for routine and preventive care not available in its pet insurance plans.
You can get up to $650 in rewards coverage each year, which includes:
- Acupuncture.
- Anal gland expression.
- Behavior training.
- Blood and fecal testing.
- Cremation or burial costs.
- Dental cleanings.
- Exams, X-rays, and other testing for hip dysplasia.
- Flea, heartworm, and tick prevention medication.
- Gastropexy.
- Grooming.
- Massage therapy.
- Medicated shampoos.
- Microchip implantation.
- Nail trims.
- Nutritional supplements.
- Prescription diet food.
- Reiki.
- Routine chiropractic care.
- Spay or neuter surgery.
- Vaccines and titers.
- Wellness visit exam fees.
- Wearable pet-activity monitors.
What Embrace pet insurance doesn’t cover
As is typical with pet insurance companies, Embrace has exclusions they don’t cover under its pet insurance plans. This includes:
- Avian flu.
- Breeding, pregnancy and whelping.
- Cosmetic procedures like ear cropping, tail docking or dew claw removal that aren’t medically necessary.
- Cruelty, fighting, racing or neglect injuries or illnesses.
- DNA testing or cloning.
- Intentional injury by anyone living in the household.
- Nuclear war.
- Pre-existing conditions.
- Routine care (unless you add a wellness rewards plan).
Embrace will cover some curable pre-existing conditions, such vomiting, diarrhea and ear infections. If your dog or cat goes a year without symptoms and treatment, the condition may be eligible for coverage.
