Embrace pet insurance reimburses up to 90% of eligible costs, with no lifetime payout limit.
Their policies include a diminishing deductible, with a $50 decrease every year that you don’t
file a claim. If you pay annually, you save 5% on your premiums paid. Plus, Embrace offers
discounts for people with multiple pets, current and former members of the military, and pet
owners in the workforce.
Embrace offers a 2-day waiting period for accident coverage, compared to the typical 14-day
waiting period for accidents and illnesses offered by most other providers. This means that
Embrace will cover an accident that occurs only 2 days after you purchase a policy for your pet,
whereas accidents and illnesses that occur within two weeks of purchasing a policy are not
covered by most other pet insurance plans.
Enrolling your pet in Embrace's supplemental Wellness Rewards plan can offer coverage on
routine treatments, such as wellness exams and grooming, that are typically not covered by
insurance. The Wellness Rewards plan allows you to pay a fixed amount over the year for
wellness treatments, veterinary visits, spay or neuter surgery, and grooming.
Embrace provides a $1,000 annual limit for dental treatments that is separate from a pet’s
yearly limit on general coverage. Dental disease is extremely common in pets, and this separate
limit can ensure your pet receives the dental care they need.
Embrace does not cover pre-existing conditions unless they are curable, and your pet is
symptom-free and has not received treatment for the condition for at least a year. Pets 14
years or older that are not already covered by an Embrace policy can only enroll in the
accident-only plan, which would cover accidents such as bloat, toxicity, lacerations, and car
Some conditions that are known to occur bilaterally (i.e., affecting the right and left sides,
such as both rear limbs) are not covered if your pet has a pre-existing disease on one side. For
example, if your pet has pre-existing cranial cruciate ligament disease, which is known to occur
bilaterally, in one rear leg, occurrence in the opposite leg will not be covered.
Embrace does have annual limits on plans, which means that there is a cap to the amount they
will pay out each year. You can choose the maximum amount paid out per year as part of your