Embrace is available in all 50 states, as well as the District of Columbia.
Embrace offers two pet insurance plans, plus an add-on option for preventative treatment coverage. Accident-only coverage comes with a few exclusions, which we’ll cover below.
For pets ages 6 weeks to 15 years, Embrace’s Accident and Illness coverage is the default policy.
Designed to reimburse veterinary care for a wide variety of scenarios, Embrace’s Accident and Illness policy covers all of this and more:
Accidents
- Bloat
- Foreign body ingestion
- Getting hit by a car
- Torn cruciate ligament
- Poisoning
- Cuts and lacerations
- Prescription drugs for covered conditions*
Dental Illness (up to $1,000 a year)
- Extractions
- Gingivitis
- Root canals
Breed-specific, Congenital & Genetic Conditions
- Hip dysplasia
- Allergies
- Intervertebral disc disease (IVDD)
Cancers
Chronic Conditions
Preventable Conditions
- Lyme disease
- Parasites
- Parvo
Orthopedic Conditions (after a 6-month waiting period)
- Ligament tears
- Broken bones
- Osteosarcoma
Pets that are older than 15 years cannot continue to be enrolled in Embrace's Accident and Illness coverage. If you have an Embrace plan, they switch it from the Accident and Illness coverage to an Accident-Only coverage automatically, and reduce your premium cost.
Embrace accident-only coverage covers veterinary care following accidents or emergencies, such as:
- Bloat
- Foreign body ingestion
- Getting hit by a car
- Torn cruciate ligament
- Poisoning
- Cuts and lacerations
- Prescription drugs for covered conditions*
While not “technically” an insurance add-on, Embrace considers its Wellness Rewards add-on as a reimbursement plan designed to cover your pet’s preventative treatments such as checkups and tests.
Applicants can choose one of three reimbursement allowances per year:
- $250 allowance per policy year
- $450 allowance per policy year
- $650 allowance per policy year
The following scenarios are eligible for reimbursement payments:
Routine/Annual Care
- Wellness exam fees
- Vaccinations & titers
- Flea, tick, & heartworm preventatives
- Fecal & routine blood tests
- Routine anal gland expression
- Preventative teeth cleaning
Puppy/Kitten Care
- Spay/neuter surgery
- Microchipping
- Training
Ongoing/Therapeutic Care
- Nutritional supplements
- Grooming
- Medicated shampoos
- Toenail trimming
- Prescription diet food
- Routine chiropractic care
- Reiki, massage therapy, acupuncture
Other Care Scenarios
- Wearable pet activity monitors
- Cremation or burial
- Gastropexy