Embrace Pet Insurance 2025: Full Review, Pros & Cons
Our expert's opinion on Embrace
Embrace offers a single, highly customizable accident & illness pet insurance plan for dogs and cats, with common configurations that trade off deductibles, reimbursement percentages, and annual limits to suit different budgets and risk tolerances.
Typical plan examples include 70% reimbursement with a $2,000 annual limit and a $1,000 deductible, 70% with $5,000 limit and $500 deductible, and 90% with $10,000 limit and a $100 deductible; preventative care and routine wellness are excluded (no wellness budget), a 14-day illness waiting period applies, and alternative medicine, ambulance and telemedicine can be covered depending on selected options; compared with main competitors, Embrace emphasizes flexible customization and a clear tiered pricing strategy that offers lower-cost entry options and a high-limit, low-deductible premium tier for owners wanting greater reimbursement.
Best suited for owners of young to middle-aged dogs and cats who want adjustable accident & illness protection and are willing to pay more for lower deductibles and higher limits.
Embrace is an established U.S. pet insurer with substantial customer feedback (Trustpilot 4.1/5 from 9,657 reviews) and customer comments that praise easy online/app claim submission, generally quick reimbursements after initial claims, and responsive service, alongside occasional reports of first-claim delays and premium increases.
- ✅Highly customizable single plan
- ✅Multiple deductible and reimbursement options
- ✅High annual limit available
- ✅Telemedicine and 24/7 vet hotline
- ✅Covers alternative medicine options
- ✅Straightforward online/app claim submission
- ✅Competitive entry-level pricing
- ❌Preventive care and wellness excluded
- ❌Orthopedic conditions subject to 180-day waiting period
- ❌Dental cleanings not covered
- ❌Some reports of first-claim delays
- ❌Premium increases reported by customers
Our expert's opinion on Embrace
- ✅Highly customizable single plan
- ✅Multiple deductible and reimbursement options
- ✅High annual limit available
- ✅Telemedicine and 24/7 vet hotline
- ✅Covers alternative medicine options
- ✅Straightforward online/app claim submission
- ✅Competitive entry-level pricing
- ❌Preventive care and wellness excluded
- ❌Orthopedic conditions subject to 180-day waiting period
- ❌Dental cleanings not covered
- ❌Some reports of first-claim delays
- ❌Premium increases reported by customers
Score- ✅Highly customizable single plan
- ✅Multiple deductible and reimbursement options
- ✅High annual limit available
- ✅Telemedicine and 24/7 vet hotline
- ✅Covers alternative medicine options
- ✅Straightforward online/app claim submission
- ✅Competitive entry-level pricing
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Embrace Guarantees
Embrace offers a set of configurable plan options that let pet owners balance premium cost and out‑of‑pocket exposure. The product is positioned with a higher‑deductible/value option, a balanced mid‑tier plan, and a higher‑coverage/recommended option; each configuration combines accident and illness coverage with selectable deductibles, reimbursement percentages, and annual limits. Plans are administered by Embrace and underwritten by a regulated insurer, and they focus on core medical coverage rather than including routine wellness by default.
Key coverage features include emergency care, surgery, imaging, laboratory testing, hospitalization, and alternative medicine options where applicable. Preventive care, dental prophylaxis, and routine vaccinations are available only through optional riders; standard plan configurations exclude these services. Deductible and reimbursement choices determine the share of eligible costs reimbursed after claims are approved, and sample configurations show a clear trade‑off between lower deductibles/higher reimbursement and higher monthly premiums.
Waiting periods apply to new coverage: an illness waiting period applies to the standard configurations and specific orthopedic waiting periods apply for certain conditions. The plans include limits and exclusions for pre‑existing conditions, bilateral conditions, and repetitive incidents; some specific conditions and procedures have extended waiting or exclusion rules. Support services such as telemedicine and emergency ambulance reimbursement are included in the product design where noted.
The product is offered in multiple configurations to match different owner priorities: a value/high‑deductible option for lower premiums, a balanced plan for mid‑range protection, and a higher‑coverage option for owners seeking broader financial protection against major veterinary expenses.
| Plan 1 (High deductible) | Plan 2 (Balanced) | Plan 3 (Recommended / Higher coverage) | |
|---|---|---|---|
| Plan positioning | Value / high deductible | Balanced / mid tier | Higher coverage / recommended |
| Type of coverage | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | 70% | 70% | 90% |
| Annual reimbursement limit | $2,000 | $5,000 | $10,000 |
| Deductible (annual or per claim) | $1,000 (sample) | $500 (sample) | $100 (sample) |
| Age limits for enrollment | NC | NC | NC |
| Pre-enrollment health questionnaire | NC | NC | NC |
| Waiting periods (accident / illness) | NC / 14 days | NC / 14 days | NC / 14 days |
| Lifetime coverage | NC | NC | NC |
| Consultations | Yes (if covered by selected options) | Yes (if covered by selected options) | Yes (if covered by selected options) |
| Medications | NC | NC | NC |
| Hospitalization | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests (imaging, labs) | Yes | Yes | Yes |
| Dental care | Dental cleaning: No (standard plan) | Dental cleaning: No (standard plan) | Dental cleaning: No (standard plan) |
| Preventive care | No (optional rider) | No (optional rider) | No (optional rider) |
| Alternative medicine | Yes (covered where applicable) | Yes (covered where applicable) | Yes (covered where applicable) |
| Travel coverage | NC | NC | NC |
| Civil liability | NC | NC | NC |
| Euthanasia | NC | NC | NC |
| Death & cremation coverage | NC | NC | NC |
| Theft or loss + search expenses | NC | NC | NC |
| Boarding fees | NC | NC | NC |
Pre‑existing conditions are excluded: conditions with clinical signs, treatment, or diagnoses before the policy start date or during waiting periods are not eligible. Bilateral conditions are treated conservatively (if one side showed signs before coverage, the corresponding condition on the other side may be excluded). Specific orthopedic conditions (for example, cruciate ligament injuries, IVDD, patellar luxation, hip dysplasia) are subject to extended waiting or exclusion rules in the product design.
Preventive and routine care (wellness exams, vaccinations, spaying/neutering, routine dental cleanings) are excluded from the standard plan but can be added through optional riders. Dental prophylaxis and many food/supplement costs are not covered in core plans. The product also excludes costs arising from breeder activities, elective cosmetic procedures, owner‑caused incidents, occupational use (racing, guarding), and major external events; repetitive incidents may be limited after multiple similar events. These exclusions and limits are central to how the plans manage long‑term risk and premiums.
Embrace Exclusions
Embrace’s exclusions align with common industry practice, centering on pre‑existing conditions, bilateral rules, and a specific orthopedic waiting period that restricts coverage for cruciate, IVDD, patellar luxation, and hip dysplasia in early policy months.
Dental prophylaxis and most cosmetic or elective dental procedures are excluded—dental cleanings are not reimbursed even when related to dental disease.
Routine wellness services, prescription diets, and supplements are excluded unless a specific endorsement applies, and standard examination fees are not reimbursed.
Notable or uncommon limits include a cap on foreign body removals (only the first anesthetic removal of an ingested foreign body per policy term) and a pathway for certain temporary pre‑existing dermatological or digestive conditions to become eligible only after a prolonged symptom‑free period.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Orthopedic specifics |
|
| Dental & oral |
|
| Preventive & routine care |
|
| Food, supplements & nutrition |
|
| Behavioral & owner‑related |
|
| Reproduction & breeding |
|
| Cosmetic & elective procedures |
|
| Alternative & complementary therapies |
|
| Activities & occupational use |
|
| Coverage limitations & caps |
|
| Major events & geographic exclusions |
|
| Administrative & non‑medical fees |
|
- Pre‑existing conditions (any condition with prior signs, treatment, or veterinary advice)
- Bilateral conditions treated as pre‑existing if one side showed symptoms before coverage
- Temporary pre‑existing conditions (e.g., dermatological or undiagnosed GI issues) eligible only after 12 consecutive months symptom‑free
- Specific procedures excluded: organ transplants, genetic/chromosome testing not used for diagnosis, experimental/investigational treatments
- Vaccine‑preventable illnesses excluded if recommended vaccine was declined
- Orthopedic waiting period: cruciate ligament injury, IVDD, patellar luxation, and hip dysplasia excluded if they occur within the initial orthopedic waiting period (180 days)
- Bilateral rules may limit coverage for the contralateral limb
- Dental prophylaxis (dental cleanings) excluded even when related to dental disease
- Aesthetic, cosmetic, endodontic, or orthodontic dental procedures excluded (caps, crowns, fillings, root canals)
- Wellness exams, routine diagnostics, vaccinations, flea/parasite prevention, spaying/neutering, and grooming excluded unless a specific endorsement is purchased
- All foods (prescribed or not), natural supplements, vitamins, and weight‑loss diets excluded
- Behavioral treatments for issues present before coverage excluded
- Injuries or illnesses caused intentionally, maliciously, or by gross negligence of the owner excluded
- Costs related to breeding, pregnancy, whelping, nursing, or queening excluded
- Elective/cosmetic procedures such as tail docking, ear cropping, and declawing excluded
- Certain alternative treatments (e.g., Reiki, Magnet Therapy, Ozone Therapy) excluded unless specifically endorsed
- Injuries from organized fighting, racing, coursing, law enforcement, guarding, or commercial use excluded
- Foreign body removal limited to the first anesthetic removal per policy term
- Waiting periods and bilateral rules can limit eligibility; some temporary pre‑existing conditions require extended symptom‑free periods to qualify
- Conditions arising from pandemics, nuclear events, war, or similar catastrophic events excluded
- Standard fees (e.g., examination fees), boarding, grooming, toys, leashes, and administrative charges excluded
Embrace Prices
Embrace positions itself in the mid-range to upper‑mid market: its single, highly customizable plan lets policyholders trade off deductible levels and annual limits for materially different premium outcomes, so customers can select a budget‑friendly configuration or opt for broader protection at higher cost.
Reimbursement rates, deductibles, and annual coverage limits are the primary levers shaping competitiveness — higher reimbursement (90%) combined with a low deductible and larger annual limits produces substantially higher premiums, while higher deductibles and lower limits reduce monthly cost; for example, the same young Labrador can cost roughly $36.55 on a high‑deductible, low‑limit setup versus $193.48 on a low‑deductible, high‑reimbursement configuration, illustrating how plan design drives price.
Key differentiators that justify Embrace’s pricing include plan customizability, digital claim submission and app‑driven service, 24/7 pet support via PawSupport, telemedicine options (when physical exam coverage is included), and ambulance reimbursement, which collectively create a more modern, service‑rich experience compared with more traditional, less flexible carriers.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Dog Labrador 1 year | $36.55 | $93.90 | $193.48 |
| Dog Labrador 3 years | $31.92 | $82.02 | $171.65 |
| Dog Labrador 7 years | $45.36 | $116.56 | $243.91 |
| Dog Australian Shepherd 1 year | $29.61 | $76.09 | $159.22 |
| Dog Australian Shepherd 3 years | $25.87 | $66.47 | $139.09 |
| Dog Australian Shepherd 7 years | $36.76 | $94.45 | $197.65 |
| Dog French Bulldog 1 year | $56.07 | $144.08 | $301.50 |
| Dog French Bulldog 3 years | $48.98 | $125.86 | $263.38 |
| Dog French Bulldog 7 years | $69.61 | $178.85 | $374.27 |
| Cat European Shorthair 1 year | $12.71 | $32.66 | $68.34 |
| Cat European Shorthair 3 years | $13.81 | $35.48 | $74.24 |
| Cat European Shorthair 7 years | $17.89 | $45.97 | $96.18 |
| Cat Maine Coon 1 year | $20.53 | $52.75 | $110.38 |
| Cat Maine Coon 3 years | $22.30 | $57.30 | $119.93 |
| Cat Maine Coon 7 years | $28.90 | $74.24 | $155.37 |
| Cat British Shorthair 1 year | $20.53 | $52.75 | $110.38 |
| Cat British Shorthair 3 years | $22.30 | $57.30 | $119.93 |
| Cat British Shorthair 7 years | $28.90 | $74.24 | $155.37 |
Embrace Promo Codes
| Embrace Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Embrace?
Reimbursements with Embrace are calculated by subtracting your annual deductible from eligible veterinary expenses, then applying the plan’s reimbursement percentage — here we use the highest-tier example (90% reimbursement, $100 annual deductible, $10,000 annual limit).
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $250 (consultation + medication)
Deductible amount to subtract: $100 (first expense of the policy year)
Amount reimbursable after deductible with the highest-tier plan: $250 – $100 = $150
90% of that amount reimbursed: $150 × 90% = $135
👉 You receive a reimbursement of $135.
ℹ️ *You pay the $100 deductible plus the remaining 10% coinsurance ($15) for a total out-of-pocket of $115 for this visit.*
✅ Example 2: Emergency hospitalization for pancreatitis
Total vet costs: $3,800 (emergency exam, hospitalization, IV fluids, imaging, medication)
Deductible already satisfied earlier in the year: $0
Amount reimbursable at 90% with the highest-tier plan: $3,800 × 90% = $3,420
👉 You receive a reimbursement of $3,420.
ℹ️ *This reimbursement reduces your annual limit; remaining annual coverage after this claim: $10,000 – $3,420 = $6,580.*
✅ Example 3: Cruciate ligament repair (surgery and post-op care)
Total vet costs: $6,500 (surgery, implants, hospitalization, rehab, meds)
Deductible amount to subtract: $100 (first expense of the policy year)
Amount reimbursable after deductible with the highest-tier plan: $6,500 – $100 = $6,400
90% of that amount reimbursed: $6,400 × 90% = $5,760
👉 You receive a reimbursement of $5,760.
ℹ️ *Your out-of-pocket for this procedure would be the $100 deductible plus 10% of the remainder ($640), totaling $740; large procedures can quickly use a significant portion of the annual limit.*
Embrace Assistance
Embrace centers assistance on PawSupport, giving policyholders 24/7 access to pet health professionals by chat, phone, or video to triage emergencies and provide actionable care guidance.
Telemedicine is supported when the optional Physical Examination coverage is selected, and the policy reimburses ambulance transport, which can materially reduce out-of-pocket costs for urgent transfers.
A strong digital experience (mobile app and online portal) enables fast claim submission, photo uploads, tracking, and appeals, a capability frequently highlighted by customers.
However, there is no clearly promoted clinic advance‑payment program or consumer financing tied to claims, and no explicit partner clinic network or guaranteed international coverage, which owners should consider if they need in‑clinic payment support or care abroad.
| Assistance Embrace | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ✅ | Available on iOS and Android; ratings: N.C. Allows claim submission, photo upload, policy management, and claim tracking. |
| Paperless claims process | ✅ | Electronic claim submission via app and online portal. Email, fax, and mail options available for documentation and appeals. |
| Emergency vet service | ✅ | 24/7 PawSupport access by chat, phone, and video for triage and advice. Telemedicine consultations covered when Physical Examination endorsement is selected. Ambulance transport is reimbursable for medical emergencies. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
Allows claim submission, photo upload, policy management, and claim tracking.
Email, fax, and mail options available for documentation and appeals.
Telemedicine consultations covered when Physical Examination endorsement is selected.
Ambulance transport is reimbursable for medical emergencies.
Customer reviews on Embrace
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.1 / 5 (9,657 reviews) |
Customers most often praise Embrace for a straightforward digital claims workflow and an easy-to-use app that simplifies submission and tracking, and many report fast reimbursements after initial processing which contributes to a strong perception of operational efficiency. Reviewers also highlight courteous and responsive customer service representatives, and several comment that coverage explanations and claim status updates are clear and helpful during the process.
Concerns voiced by customers tend to focus on delays for some first or pending claims and occasional frustrations with escalation or communication when issues arise. A number of reviewers mention growing premiums over time or friction when adjusting policy options, which can affect long‑term satisfaction for some policyholders.
Here are some examples of customer reviews:
- R.R., 02/09/2025 — Submitting a claim is easy and quick! Quick response regarding our benefits or response regarding the claim. Easy!
- j.c., 02/09/2025 — I do not recommend this pet insurance. I’ve had a claim pending for 2 months … they still won’t release the claim … This is absolutely ridiculous and terrible customer.
- T.H., 27/08/2025 — Great customer service. They also process claims in a timely and sufficient manner.
Contact Embrace
| Embrace Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Online subscription channels: N.C. |
| To request and track a reimbursement | Process: Submit claims via the customer portal at my.embracepetinsurance.com, by email to claims@embracepetinsurance.com, by fax to (800) 238-1042, or by mail to Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188. Track claim status via the customer portal. Required documents: N.C. Deadlines for submission: N.C. Reimbursement method (direct deposit/check): N.C. |
| To obtain a certificate of insurance | How to request a certificate: N.C. Channels to request (portal / email / phone / mail): N.C. Information required to issue the certificate (policy number, named insured, pet details): N.C. |
| To contact assistance | Email (claims): claims@embracepetinsurance.com. Email (appeals): askclaims@embracepetinsurance.com. Fax: (800) 238-1042. Mail: Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188. Customer portal: my.embracepetinsurance.com. 24/7 vet hotline: PawSupport available via the member portal. Phone for general customer service: N.C. |
| To cancel my policy | How to cancel: Contact customer service to request cancellation. Information to provide when cancelling (policy number, named insured, effective date): N.C. Cancellation deadlines and refund conditions: N.C. Accepted cancellation channels (phone/email/portal/mail): N.C. |
Online subscription channels: N.C.
Track claim status via the customer portal.
Required documents: N.C.
Deadlines for submission: N.C.
Reimbursement method (direct deposit/check): N.C.
Channels to request (portal / email / phone / mail): N.C.
Information required to issue the certificate (policy number, named insured, pet details): N.C.
Email (appeals): askclaims@embracepetinsurance.com.
Fax: (800) 238-1042.
Mail: Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188.
Customer portal: my.embracepetinsurance.com.
24/7 vet hotline: PawSupport available via the member portal.
Phone for general customer service: N.C.
Information to provide when cancelling (policy number, named insured, effective date): N.C.
Cancellation deadlines and refund conditions: N.C.
Accepted cancellation channels (phone/email/portal/mail): N.C.
FAQ
Do I have to pay upfront for veterinary fees with Embrace?
Advance payment or third‑party direct pay is N.C. in the available plan details.
You should plan to pay your veterinarian at the time of service and submit a claim to Embrace for reimbursement.
Claims can be filed via Embrace’s online portal, by email (claims@embracepetinsurance.com), fax, or mail to the claims department.
Reimbursements are processed after claim review; timing and payment method depend on the plan and claim processing cycle.
How do I cancel my pet insurance policy with Embrace?
To cancel, contact Embrace customer service by phone or submit a cancellation request through your online account/portal.
Have your policy number, pet name, and account holder details ready to verify identity and process the request.
Any specific written forms or supporting documents required are N.C.; some cancellations may require a signed request.
Confirm the effective cancellation date, any pro‑rata refund policy, and whether a notice period applies when you contact customer service.
What waiting periods apply before coverage begins?
For sample Embrace configurations the illness waiting period is 14 days from the policy effective date.
Accident waiting periods are N.C. in the summarized plans, while a specific orthopedic waiting period of 180 days applies to cruciate ligament injuries and related knee conditions.
Temporary pre‑existing issues often need a symptom‑free period (e.g., 12 months) before being eligible under some rules.
Always check your policy declarations for the exact waiting periods that apply to your coverage.
What reimbursement rates, deductibles, and annual limits can I expect?
Sample plan configurations show reimbursement rates of 70% for lower tiers and 90% for higher tiers with sample deductibles of $1,000, $500, and $100.
Annual limits in the examples are $2,000, $5,000, and $10,000, which directly affect how much the insurer will pay in a policy year.
Higher reimbursement percentages and lower deductibles lower your out‑of‑pocket costs but typically increase premiums.
Refer to your policy declarations to confirm exactly how your chosen deductible, reimbursement, and limit interact on claims.
What ages of pets can I enroll with Embrace?
Minimum and maximum registration ages for dogs and cats are N.C. in the plan summaries provided.
Age eligibility, any required health questionnaire, and pre‑existing condition assessments can influence acceptance and pricing.
Older pets may have higher premiums or restrictions, while very young animals can be subject to waiting periods before full coverage applies.
Verify the exact age limits and any vet exam requirements when you request a quote or enroll online.
What common exclusions should I be aware of with Embrace?
Major exclusions include pre‑existing conditions, bilateral pre‑existing rules (the same condition on the opposite side), and an orthopedic exclusion/waiting period for certain knee and spine disorders.
Temporary pre‑existing conditions often require a continuous symptom‑ and treatment‑free period before becoming eligible, though some musculoskeletal issues remain excluded.
Preventive care, dental cleanings, prescription diets, supplements, breeding and cosmetic procedures, and many alternative therapies are not covered.
Owner‑caused injuries, professional use (racing/guarding), organ transplants, and costs from major events (pandemic, war) are also excluded.
What support and services does Embrace provide beyond claims?
Embrace policyholders have access to PawSupport for 24/7 pet health guidance via chat, phone, or video to help with emergency decisions and general advice.
Telemedicine consultations and fees may be covered when the policy includes the required “Physical Examination” coverage option.
The policy reimburses ambulance transport costs for medical emergencies where applicable, and specialist consultations are covered if included in your plan.
For specifics on included services and any limits, check your policy documents or contact Embrace customer service.
Do I have to pay upfront for veterinary fees with Embrace?
Advance payment or third‑party direct pay is N.C. in the available plan details.
You should plan to pay your veterinarian at the time of service and submit a claim to Embrace for reimbursement.
Claims can be filed via Embrace’s online portal, by email (claims@embracepetinsurance.com), fax, or mail to the claims department.
Reimbursements are processed after claim review; timing and payment method depend on the plan and claim processing cycle.
How do I cancel my pet insurance policy with Embrace?
To cancel, contact Embrace customer service by phone or submit a cancellation request through your online account/portal.
Have your policy number, pet name, and account holder details ready to verify identity and process the request.
Any specific written forms or supporting documents required are N.C.; some cancellations may require a signed request.
Confirm the effective cancellation date, any pro‑rata refund policy, and whether a notice period applies when you contact customer service.
What waiting periods apply before coverage begins?
For sample Embrace configurations the illness waiting period is 14 days from the policy effective date.
Accident waiting periods are N.C. in the summarized plans, while a specific orthopedic waiting period of 180 days applies to cruciate ligament injuries and related knee conditions.
Temporary pre‑existing issues often need a symptom‑free period (e.g., 12 months) before being eligible under some rules.
Always check your policy declarations for the exact waiting periods that apply to your coverage.
What reimbursement rates, deductibles, and annual limits can I expect?
Sample plan configurations show reimbursement rates of 70% for lower tiers and 90% for higher tiers with sample deductibles of $1,000, $500, and $100.
Annual limits in the examples are $2,000, $5,000, and $10,000, which directly affect how much the insurer will pay in a policy year.
Higher reimbursement percentages and lower deductibles lower your out‑of‑pocket costs but typically increase premiums.
Refer to your policy declarations to confirm exactly how your chosen deductible, reimbursement, and limit interact on claims.
What ages of pets can I enroll with Embrace?
Minimum and maximum registration ages for dogs and cats are N.C. in the plan summaries provided.
Age eligibility, any required health questionnaire, and pre‑existing condition assessments can influence acceptance and pricing.
Older pets may have higher premiums or restrictions, while very young animals can be subject to waiting periods before full coverage applies.
Verify the exact age limits and any vet exam requirements when you request a quote or enroll online.
What common exclusions should I be aware of with Embrace?
Major exclusions include pre‑existing conditions, bilateral pre‑existing rules (the same condition on the opposite side), and an orthopedic exclusion/waiting period for certain knee and spine disorders.
Temporary pre‑existing conditions often require a continuous symptom‑ and treatment‑free period before becoming eligible, though some musculoskeletal issues remain excluded.
Preventive care, dental cleanings, prescription diets, supplements, breeding and cosmetic procedures, and many alternative therapies are not covered.
Owner‑caused injuries, professional use (racing/guarding), organ transplants, and costs from major events (pandemic, war) are also excluded.
What support and services does Embrace provide beyond claims?
Embrace policyholders have access to PawSupport for 24/7 pet health guidance via chat, phone, or video to help with emergency decisions and general advice.
Telemedicine consultations and fees may be covered when the policy includes the required “Physical Examination” coverage option.
The policy reimburses ambulance transport costs for medical emergencies where applicable, and specialist consultations are covered if included in your plan.
For specifics on included services and any limits, check your policy documents or contact Embrace customer service.
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