Embrace Pet Insurance offers plans that cover exam fees, specialist services, and nearly all pet care needs, whether included directly or available as optional add-ons. They provide a free review of your pet’s medical history, highlighting any pre-existing conditions that may not be covered. Pet owners can also cancel their policy within 30 days if unsatisfied. Discounts are available for military members and for those with multiple pets.

For budget-conscious owners seeking basic protection, Embrace offers an accident-only plan to help with costs resulting from vehicle accidents or ingesting harmful substances. A notable feature is the vanishing deductible, which reduces the annual deductible by $50 each year you don’t file claims for accidents or illnesses, making it a great way to reward your pet’s good health over time.

Embrace offers various coverage levels for their accident and illness plans to suit different pet owner needs. Their main plan operates on a reimbursement model for treatments unrelated to pre-existing conditions, with options to customize via three reimbursement rates, five deductible choices, and five coverage limits. They also provide an accident-only plan featuring a fixed $100 deductible, a $5,000 coverage limit, and a 90% reimbursement rate.

Pet owners can add the wellness rewards program—an optional, non-insurance benefit that covers microchipping and vaccinations, reimbursing up to $650 annually. This program helps with routine care budgeting but isn’t available in Rhode Island.

Embrace’s basic accident and illness plans are affordable, starting at around $7/month for cats and $14/month for dogs. However, adding the wellness program can significantly increase monthly costs, sometimes tripling the premium, with limited additional benefits.

Note that there’s a one-time $25 enrollment fee and a $1 monthly fee if the annual premium isn’t paid upfront.

Coverage begins shortly after signing up, with a 2-day waiting period for the policy to be active. Illness coverage requires a 14-day waiting period before benefits start, aligning with industry standards. Some orthopedic conditions may have longer waiting or exclusion periods depending on the state.

Embrace streamlines claims by providing personalized claim forms accessible online and via their app. Processing typically takes 10 to 15 business days, with reimbursements issued through check or direct deposit.

Support options are mainly via email and phone, but they also offer a 24/7 health line for urgent medical or behavioral assistance, available through video chat, web, or phone.