Embrace Pet Insurance: Why It’s the Best Choice for Your Pet’s Health

Introduction to Embrace Pet Insurance

When it comes to protecting your furry family members, Embrace Pet Insurance stands out as more than just an insurance provider—it’s a trusted partner in your pet’s lifelong health journey. Backed by compassionate service and personalized policies, Embrace is committed to giving pet parents peace of mind when they need it most.

With customizable Accident & Illness policies, a flexible Wellness Plan, and a caring team behind every claim, Embrace Pet Insurance empowers pet owners to prioritize their pets’ health without financial stress. Their user-friendly platform allows for 24/7 policy management and easy online claim submissions, making pet insurance simple and accessible.

Embrace’s mission is rooted in genuine support. As part of the Embrace family, pet parents receive more than coverage—they gain a community dedicated to well-being. With over $1.5 million donated to charities and a strong workplace culture, Embrace shows care from the inside out.

If you’re looking for pet insurance that values compassion, flexibility, and reliability, Embrace Pet Insurance may be the perfect choice.

Pet Insurance for Dogs

Veterinary care for dogs is more expensive than ever, and unexpected illnesses or injuries can leave dog owners with overwhelming bills. Embrace Pet Insurance offers a practical solution by providing dog insurance plans that reimburse up to 90% of eligible vet expenses—giving you financial peace of mind when your dog needs care the most.

Is Dog Health Insurance Worth It?

Absolutely. Routine care, emergency treatments, or chronic conditions can cost anywhere from $410 to $5,000 or more. For service dogs or emotional support animals, these expenses can be even more critical. Embrace Pet Insurance believes no pet parent should have to choose between their dog’s health and their wallet. That’s why we offer flexible, full-coverage pet insurance for dogs tailored to your needs and budget.

What’s Covered?

Embrace understands that every dog is family—and their health matters. Our dog insurance plans cover:

Diagnostic tests
Treatments and procedures
Emergency and specialty care
Surgery and hospitalization
Behavioral therapy
Rehabilitation and follow-up care
Prosthetics and mobility aids
Dental illnesses (up to $1,000/year)
Optional prescription medications

All policies are customizable with options for annual limits, deductibles, and reimbursement rates to match your financial goals.

Real Life Example: Kylie’s Story

When Kylie developed a life-threatening case of bloat, she needed emergency surgery and hospitalization. Thanks to her Embrace Pet Insurance coverage, her owner was able to focus on Kylie’s recovery—not the bills.

How to Use Embrace Pet Insurance for Dogs

Visit any licensed vet — anywhere in the U.S.
Submit your claim online via the Embrace portal or mobile app
Get reimbursed fast, either by check or direct deposit

Claims are processed quickly using AI-powered tools, so you’re not waiting weeks for reimbursement.

Wellness Rewards for Routine Dog Care

In addition to insurance, Embrace offers Wellness Rewards—a budgeting tool that helps cover routine vet visits, vaccines, grooming, and even training for service animals. This add-on is perfect for staying proactive about your dog’s long-term health.

Insurance for All Life Stages

Whether you have a playful puppy, a responsible adult dog, or a senior in retirement, Embrace Pet Insurance has coverage options that grow with your dog:

Puppies – Coverage from 6 weeks old, perfect for common early mishaps
Adult dogs – Protection from unexpected injuries and illnesses
Senior dogs – Even dogs over 15 are eligible for accident-only plans

Why Pet Parents Trust Embrace

With more than 500,000 pets insured, Embrace leads the way in dog insurance. Pet parents love our:

Simple, clear plans
Unlimited vet visits
Optional exam fee coverage
24/7 PawSupport pet advice line
Exclusive discounts and wellness perks

Embrace Pet Insurance makes it easy to care for your dog without financial worry. Fetch your free quote today and join thousands of pet parents who trust Embrace to protect their loyal companions

Cat Insurance

Cat insurance helps ensure you never have to choose between your finances and your cat’s life-saving care. With coverage for accidents, illnesses, and routine wellness, Embrace gives you peace of mind while helping you manage rising veterinary costs.

Why Do You Need Cat Insurance?

Healthcare for pets is more expensive than ever. Cat insurance protects you from unexpected medical bills and allows you to give your cat the care they need — from emergency treatments to routine checkups — without breaking the bank.

With Embrace, you get:

Coverage for accidents and illnesses
Optional exam fee and prescription drug coverage
Customizable deductibles starting at $100
Annual reimbursement limits ranging from $5,000 to unlimited
Claims processed in 10–15 days
Access to any licensed vet

What’s Covered with Embrace Cat Insurance

Embrace offers full coverage for a wide range of conditions and services, including:

Accidents and illnesses
Dental work
Diagnostics and treatments
Ongoing care for chronic conditions
Emergency services
Optional exam fees and prescriptions

Wellness Plan Add-On

While cat insurance covers emergencies and illnesses, Embrace also offers a Wellness Rewards plan to help with routine care expenses. This flexible, non-insurance program reimburses you for everyday essentials like:

Spay/neuter procedures
Vaccinations
Flea/tick prevention
Annual wellness exams
Grooming

24/7 Support with PawSupport

Included with every plan is PawSupport, a 24/7 pet health line offering real-time advice by phone, chat, or video. Whether it’s late-night emergencies or sudden behavioral changes, PawSupport is there to guide you anytime.

Cat Insurance for Every Life Stage

Kittens

Start coverage as early as 6 weeks old. With young cats often getting into trouble, early protection covers accidents and helps with early care costs like vaccines and microchipping.

Adult Cats

As your cat matures, health risks may increase. Embrace offers accident and illness coverage up to 15 years of age, helping you handle any new or recurring issues that arise.

Senior Cats

Even if your cat is 15 years or older, Embrace still has you covered. Accident-only plans ensure your older feline gets the protection they need in their later years.

Is Cat Insurance Worth It?

Yes. Veterinary costs are climbing, and even one emergency could cost thousands. Cat insurance from Embrace helps make quality care affordable. With the addition of routine wellness reimbursements, many plans can pay for themselves quickly — and give you long-term financial peace of mind.

Why Choose Embrace?

Rated 5 stars by Forbes
Trusted by thousands of cat owners
Fast claims payouts
Customizable plans
Coverage for vet visits, dental illness, and chronic conditions
24/7 telehealth and wellness support

Protect your cat today with a custom plan.

Pet Insurance costs

Cat Insurance by Embrace – Summary

✅ Key Benefits

Customizable Coverage: Accidents, illnesses, exam fees, treatments, dental work, and ongoing care.
PawSupport 24/7: Access to pet health professionals anytime by phone, chat, or video.
Wellness Rewards Add-on: Covers grooming, vaccinations, flea/tick treatments, wellness exams (non-insurance plan).
Policy for All Ages:
- Coverage starts at 6 weeks old
- Full coverage up to age 15
- Accident-only coverage beyond 15 years

💵 Pet Insurance Costs (Embrace)

Pet Type	Embrace Monthly Range	Industry Average	Factors Affecting Cost
Dogs	$18 – $72	$26 – $277	Breed, age, gender, location
Cats	$8 – $38	$11 – $90	Breed, age, gender, location

Typical Cat Insurance Example:

Most pay ~$28/month
Add-ons (exam fees, prescriptions) can save $50–$200 per visit
Coverage includes major incidents (e.g., surgery, chronic conditions)

⚠️ Why Pet Insurance Matters

Vet Costs Rising: 236.9% increase since 1997
Emergency Costs Examples:
- Pneumonia: $1,700+
- GI Obstruction: $6,500+
- Meningioma: $7,000+
Peace of Mind: Avoids financial hardship during emergencies

❌ What to Watch Out For (Cheap Insurance Risks)

Low coverage caps
No dental, hip dysplasia, or senior care
No 24/7 health support
Hidden exclusions

✅ Why Embrace Stands Out

No breed/age penalty for working/racing pets
Dental coverage included
Senior pet visits covered
24/7 telehealth included
No per-condition limits

🌟 Bottom Line: Is It Worth It?

Yes — if you want protection from unexpected high vet bills and value comprehensive, customizable coverage, Embrace pet insurance is worth the cost, especially for those who might struggle with sudden expenses or have pets prone to health issues.

How to Submit and View Embrace Pet Insurance Claims

Visiting the vet can be stressful, but managing your Embrace Pet Insurance claims doesn’t have to be. Here’s how simple it is to submit and track your claims.

📝 Step 1: Get Your Vet Invoice & Diagnosis

Before you leave the vet’s office, ask for:

An itemized invoice showing all charges
The diagnosis or reason for the visit

Make sure the invoice includes totals, taxes, discounts, other pets (if applicable), and all pages.

📤 Step 2: Submit Your Claim

You’ve got two options:

✅ Fast & Easy (No Claim Form Needed)

Submit through:

Your Embrace online account
The Embrace Pet Insurance app

✉️ Manual Submission (Claim Form Required)

If you prefer email, fax, or mail, download the claim form from your account. Then:

Fill it out with the invoice and diagnosis
Submit all pages of the invoice

⏳ Step 3: Claim Review & Payment

Claims are typically reviewed within 10–15 business days. You’ll be updated by:

Email notifications
Status updates in your account

Payout methods:

Direct deposit: arrives in ~3 business days
Mailed check: arrives in ~10 business days

🔍 Step 4: View Your Claims

You can track all claims in your Embrace account or app. Just:

Select the pet profile
View claims by Date of Service
Check Claim Status
Download your Explanation of Benefits (EOB)
Contact the Claims Team directly if needed

🐶 Special Claim Scenarios

Recurring Prescriptions: Submit the same claim form with each refill invoice.
Multiple Pets on One Invoice? That’s fine! Just know we’ll only create claims for insured pets.
Same Condition, Multiple Visits: Each invoice is a separate claim.
Supporting Docs? Upload them separately via the “Submit Documents” section in your account or app.

🩺 First-Time Claim? Here’s What to Expect

Your first claim may take longer as Embrace reviews your pet’s medical history from the past 12 months. After that, future claims move faster.

🌿 Submitting Wellness Rewards Claims

Whether you submit online or by mail, always include:

Full invoice/receipt (with taxes, discounts, etc.)
Select “Wellness” as the visit reason (online) or “Wellness Rewards” as the claim type (form)

Processing time: 5 business days or less if everything’s included.

🌟 Work at Embrace Pet Insurance

We’re a top-rated employer known for our supportive culture, love for pets, and commitment to both employee happiness and customer satisfaction.

🚀 Current Openings

We’re always on the lookout for talented, compassionate individuals to join our growing team.
👉 [View Current Job Openings]

🎁 Benefits That’ll Make Your Tail Wag

We take care of our employees just like we take care of our policyholders—with heart and generosity. Here’s what you can expect:

✅ Flexible PTO
✅ 401(k) with employer contributions
✅ Pet insurance discount & reimbursement (up to $100/month!)
✅ Continuing education support
✅ Life, short-term & long-term disability coverage
✅ Remote and hybrid work options
✅ Comprehensive health benefits
✅ Annual performance bonuses
✅ Wellness reimbursement program
✅ Regular employee events & activities

🤝 A Culture of Appreciation

At Embrace, culture isn’t just a buzzword—it’s the heartbeat of our company.

Internal spot bonuses for going above and beyond
Company-wide sweepstakes & giveaways
Celebrations, holiday events, and themed parties
Opportunities for growth and leadership

We’re proud to be certified as a:
🏆 Great Place to Work
🏆 Top Workplace in Cleveland (The Plain Dealer)
🏆 NorthCoast 99 Winner
🏆 Multiple Top Workplace Culture Awards (Leadership, Innovation, Work-Life Flexibility & More)

🌈 Wellness & Work-Life Balance

We believe happy, healthy employees do their best work. Here’s how we support your well-being:

🥗 Healthy lunch program
☕ Gourmet coffee & snack stations
🍹 Happy hours, game nights, and social events
🏡 Hybrid & remote flexibility
🎉 Frequent celebrations & appreciation events
💻 Modern tech tools & remote work support

💜 Embrace Gives Back

Giving back is part of who we are. Based in Cleveland, Ohio, we take pride in supporting our community and beyond:

$500,000+ donated to charities
Employee charitable donations matched 100%
Volunteering with:
- Neighborhood Pets
- Cleveland Food Bank
- National animal welfare and local outreach groups

Ready to join a team that values compassion, innovation, and a little bit of fun?

Get Quote