Do all veterinarians take 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.

Is my pet covered for life?

Yes. We will never drop your pet or reduce their coverage based on age, health status, or claims you’ve filed. Once you’re signed up, we do not cancel coverage for anything other than non-payment of premium.

Is cancer covered?

Yes, cancer treatment is covered as long as the condition is not pre-existing to the policy and waiting periods. Coverage includes diagnostics and testing, radiation therapy, chemotherapy, surgery & hospitalization, rehabilitation, and alternative therapies.

Is routine care covered?

Pet insurance is for the unexpected, so accident and illness policies do not cover routine care costs. However, Embrace also offers Wellness Rewards, a routine care product that can be purchased in addition to your pet insurance policy. Wellness Rewards reimburses for everyday veterinary, training, and grooming costs. It works like a health savings account, helping you budget for your pet’s routine care expenses.

What is not covered?

Every pet insurance plan has exclusions and the Embrace plan is no exception. 

Here's a summary of what's not covered:

  • Pre-existing conditions
  • Breeding, whelping, and pregnancy
  • Injury caused deliberately by you or any other person or pet residing in your home
  • Injury or illness resulting from fighting, racing, cruelty, or neglect
  • Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary
  • DNA testing or cloning
  • Stem cell therapy not deemed medically necessary
  •  Avian Flu or Nuclear War

For a complete list of exclusions see the Embrace terms and conditions.

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. 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.

What is a pre-existing condition?

The deductible is the amount that you are responsible for before reimbursements start. Like most other types of insurance, you are responsible for part of the cost. Our deductible is annual which means you only have to meet your deductible once per policy term – not every vet visit, or once for every different type of condition, which is how some pet insurance companies operate.

Does my wellness claim apply toward my annual deductible?

No. Only charges for covered accidents and illnesses are applied to your deductible. Routine care/preventative care items (such as vaccinations, spay/neuter, heartworm/flea/tick preventative, etc) are not covered by the insurance policy, making them ineligible to be applied toward your deductible.

What is an annual limit?

Your annual limit is the most Embrace will reimburse, after you meet your deductible, in a policy year.

What is a reimbursement percentage?

A reimbursement rate is the percentage of the vet bill that you’ll get back after you meet your deductible. One way to look at a reimbursement rate is to think of it as the opposite of a copay. For example, if you have an 80% reimbursement rate, that’s like having a 20% copay. You pay 20% of the bill. Embrace pays 80%.

Is there a lifetime maximum?

No. There is only an annual maximum, which you're able to choose.

Will my rate increase?

Yes, policy premiums do increase over time for a few reasons. There are several factors that can affect premiums, including:

  • The pet getting older
  • Increases in veterinary costs
  • Changes in overall trends in the pet population

We do not raise rates due to submission of claims.

What are the waiting periods?

In most states, policies have a 2-day waiting period for accident coverage and a 14-day waiting period for illness coverage. There are some states that have a 14-day waiting period for both accidents and illnesses. See the Waiting Periods page to find out where your state falls.

If you have a dog, you’ll also be subject to the orthopedic waiting period. Orthopedic means anything related to your dog’s bones, joints, ligaments, etc. The standard orthopedic waiting period (OWP) is 6 months. However, if you have our Orthopedic Exam Report Card completed, you are able to shorten that OWP to 14 days. Simply take your dog to your vet after you purchase the policy, have your vet perform an orthopedic exam, and have our Orthopedic Exam Report Card completed. Once we get the form, we waive the rest of the OWP. It’s not required, but it’s recommended.

What is an accident-only plan?

Pets who are too old for full accident and illness coverage can purchase an accident-only policy.

Coverage for this policy includes, but is not limited to:

  • Bloat
  • Foreign body ingestion
  • Hit by car
  • Poisoning
  • Cuts and lacerations
  • & more

What does Wellness Rewards reimburse for?

Items that can be reimbursed via Wellness Rewards include, but is not limited to:

  • Wellness exams
  • Vaccinations & titers
  • Flea, tick, & heartworm medication
  • Spay/neuter surgery
  • Fecal exams
  • Routine blood tests
  • Microchipping
  • Umbilical hernia repair
  • Gastropexy
  • Toe nail trimming
  • Routine anal gland expression
  • Routine chiropractic care, reiki, massage therapy, acupuncture
  • Teeth cleaning & dental illness
  • Prescription diet food purchased at your veterinarian
  • OFA & PennHIP exams and X-rays
  • Nutritional supplements
  • Medicated shampoos
  • Behavioral/obedience/specialty training
  • Pet activity monitors
  • Grooming
  • Cremation/burial

Can I purchase Wellness Rewards without an insurance policy?

No. Wellness Rewards is not currently available for standalone purchase. You must be an Embrace Pet Insurance policyholder to purchase Wellness Rewards.

Does Wellness Rewards have per-item limits?

No. You can use your Wellness Rewards plan for any allowable product or service up to your annual allowance.