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description=Get nose-to-tail pet insurance you can use at any vet. Lifetime illness coverage, recurring issues covered, and an optional Rx plan for pet meds, even for chronic conditions. Embrace Pet Insurance pays up to 90% back on bills.;

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pet insurance you can use at any licensed vet embrace pet insurance call us 800 511 9172 contact us underwriting login pet insurance pet insurance menu pet insurance dog insurance cat insurance pet wellness plans pet dental insurance pet insurance pre existing conditions full coverage pet insurance how does pet insurance work pet insurance costs compare compare menu compare compare pet insurance embrace vs aspca embrace vs fetch embrace vs healthy paws embrace vs lemonade embrace vs banfield embrace vs metlife embrace vs nationwide embrace vs pets best embrace vs pumpkin embrace vs spot embrace vs trupanion help center help center menu help center submit view claims faqs contact us resources resources menu resources water bowl blog pet insurance 101 dog breeds cat breeds pet health conditions careers start a quote start a quote start a quote pet insurance pet insurance menu pet insurance dog insurance cat insurance pet wellness plans pet dental insurance pet insurance pre existing conditions full coverage pet insurance how does pet insurance work pet insurance costs compare compare menu compare compare pet insurance embrace vs aspca embrace vs fetch embrace vs healthy paws embrace vs lemonade embrace vs banfield embrace vs metlife embrace vs nationwide embrace vs pets best embrace vs pumpkin embrace vs spot embrace vs trupanion help center help center menu help center submit view claims faqs contact us resources resources menu resources water bowl blog pet insurance 101 dog breeds cat breeds pet health conditions careers login 800 511 9172 underwriting they give you their best give it back see any licensed vet no network free 24 7 telehealth fast claims 90 paid in 10 days start a quote 800 511 9172 pet insurance for any situation unexpected vet bills can be stressful but with embrace cat insurance and dog insurance you don t have to choose between your pet and your savings over 90 of embrace customers surveyed agreed that pet insurance extended their pet s life embrace pet insurance has you covered for arthritis cushing s disease limping asthma lymphoma gastrointestinal issues anxiety hyperthyroidism ligament tears skin conditions diabetes ear infections seizures kidney failure skin growths urinary tract infections inflammatory bowel see coverage details illnesses conditions from chronic skin conditions to serious illnesses like cancer get money back for the treatments your pet needs the most accidents injuries financial protection from unexpected incidents like broken bones swallowed objects poisoning and more dental disease coverage for unexpected dental work including tooth extractions gingivitis care and more click for price routine care the smart way to manage pet health costs annual exams vaccines parasite control and dental cleanings all work together to spot health issues early long before they become painful for your pet or expensive for you planning preventive care turns i ll get to it tasks into an intentional year round habit that protects both your pet s health and your budget early detection better outcomes minor problems are easier and far less costly to treat when found early predictable annual costs a flexible pet wellness plan helps prevent surprise bills from piling up lifelong peace of mind a routine care plan can help keep pets healthier at every age find out more why pet parents say we re worth every penny hear what it s like to have real coverage when it matters most over 18 years of pet insurance expertise we re dedicated to pet health and providing peace of mind to pet parents with easy to understand pet insurance plans lightning fast claims 24 7 telehealth support and wellness rewards for routine care it s why the families of more than 500 000 pets have come to know and trust embrace it is because we made the very good decision to purchase insurance from embrace that we are able to care so well for our cat peter during his lymphoma treatment and give him as many happy years as we possibly can peter s mom total bill 1 659 79 embrace paid 1 088 81 click for price pet insurance myths debunked myth 1 it s better to save up for my pet s care pet insurance gives you quicker access to thousands in coverage while savings take time to build one emergency can wipe out your account insurance resets each year so you re better prepared myth 2 my pet is young and healthy so i don t need it accidents and illnesses can happen at any age and young pets often get into the most trouble getting coverage early helps avoid pre existing condition exclusions later on myth 3 it won t cover what i need with the right plan pet insurance can help cover everything from emergencies and chronic conditions to acupuncture and behavioral therapy it s broader than many people expect myth 4 i m limited to a list of vets in my network embrace lets you visit any licensed vet anywhere in the u s no networks no restrictions whether it s your trusted local vet or a specialty clinic you re covered getting paid back is as easy as 1 2 3 1 go to the vet with no network restrictions you can choose from any veterinarian including emergency and specialist vet clinics 2 submit a claim online take a picture of your invoice and submit using the embrace website or app no claim form or paperwork needed 3 get money back fast use direct deposit and get paid right to your account when your claim is approved get started with embrace click for price click for price pet insurance frequently asked questions what is pet insurance pet insurance reimburses you for a portion of covered vet bills if your dog or cat were to unexpectedly get hurt or sick so that you can afford to get your pet the best care in the event of a costly accident or illness think of pet insurance like car insurance it s there to give you a financial safety net if something unexpected were to happen just like your car insurance doesn t cover routine maintenance or any accidents you got into before purchasing the policy pet insurance plans typically don t cover routine care costs and pre existing conditions learn more about how pet insurance works how much is pet insurance the cost of pet insurance prices can vary widely depending on the type of pet you have their age their breed and even where you live at embrace we allow you to personalize parts of your policy so that you can get the best plan for your pet s needs and your budget learn more about our pricing options what is a pre existing condition a pre existing condition is any injury illness or irregularity noticed by you or your veterinarian before the end of your waiting period even if your pet never went to see the veterinarian for it which pet insurance covers pre existing conditions no pet insurance company covers pre existing conditions however embrace does distinguish between curable and incurable pre existing conditions examples of incurable pre existing conditions include diabetes allergies etc curable pre existing conditions include things like ear infections and undiagnosed vomiting or diarrhea as these issues can be completely cleared up they could be covered moving forward if the pet goes 12 months symptom free we define what conditions are pre existing for your pet by requesting their medical records for the 12 months or less if they are a new addition prior to the purchase of the policy if you d like you can request that we do a medical history review which involves one of our claims adjusters reviewing your pet s medical records to let you know what if any conditions would be considered pre existing it s important to note that we don t automatically do these medical history reviews you must request one however they are free of charge and available to anyone who has a policy is pet insurance worth it financial challenges happen and that s the very reason pet insurance is worth it if you can find a way to fit the premiums into your budget it s easier to find a small amount each month than thousands of dollars at once in an emergency if you re the type of person who would do anything to save your pet it s better to pay a small premium for even a basic policy to help get your pet the care they need do all veterinarians take pet insurance unlike human health insurance pet insurance has no networks because it works based on a reimbursement method you pay the vet directly submit your claim and we pay you back you can visit any veterinarian specialist or emergency hospital you like does pet insurance cover vaccines vaccines are preventative and not covered by insurance however it can be reimbursed through our optional wellness plan that can be added onto your policy does pet insurance cover spaying and neutering spay neuter surgery is preventative and not covered by insurance however it can be reimbursed through our optional wellness plan that can be added onto your policy back to top log in to account connect with us pet insurance pet insurance pet insurance insurance for dogs insurance for cats full coverage pet insurance help center get a quote pet insurance by state pet insurance by state florida pet insurance texas pet insurance new york pet insurance new jersey pet insurance more state by state coverage about embrace about embrace contact us about us careers press media submit view claims policies policies privacy policy do not sell or share my personal information licensing terms of use sample policy terms notice to california residents policy disclosure pet health insurance is administered by embrace pet insurance agency llc lic 0g89328 cleveland oh and underwritten by one of the licensed insurers of american modern insurance group inc including american modern home insurance company naic 0361 23469 amelia oh d b a in ca as american modern insurance company naic 0361 23469 and american southern home insurance company naic 0361 41998 atlanta ga coverage is subject to policy terms conditions limitations exclusions underwriting review and approval and may not be available for all risks or in all states discounts may vary and are subject to change for full terms and conditions visit www embracepetinsurance com coverage embrace terms premiums are based on the current age of your pet premium may increase due to the age of your pet at renewal initial premiums may be impacted by the species or breed of your pet premium may change based on your home address wellness rewards is marketed and administered by embrace pet insurance agency llc it is not insurance and is not a regulated benefit it is offered as an optional wellness membership plan your use of wellness rewards is based on an annual maximum your use of wellness rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12 month membership period wellness rewards is not available in ri for full terms visit www embracepetinsurance com wellness rewards terms of service c 2025 american modern insurance group inc carecredit is a credit card offered by synchrony bank embrace does not own administer or make decisions regarding carecredit an affiliate of synchrony bank holds a minority equity interest in an affiliate of embrace