Embracepetinsurance

What is pet insurance?

Pet insurance reimburses you for a portion of covered vet bills if your dog or cat were to unexpectedly get hurt or sick, allowing you to afford the best care in the event of a costly accident or illness. Think of pet insurance like car insurance – it provides a financial safety net for unexpected events but doesn’t cover routine maintenance or pre-existing conditions.

How much is pet insurance?

The cost of pet insurance varies widely depending on your pet’s age, breed, and location. Embrace allows you to personalize your policy to meet your pet’s needs and your budget. Learn more about our pricing options to find your ideal coverage.

What is a pre-existing condition?

A pre-existing condition is any injury, illness, or irregularity noticed by you or a veterinarian before the end of your waiting period, even if no treatment was sought for it. Examples include diabetes, allergies, or an ear infection before your policy began.

Which pet insurance covers pre-existing conditions?

No pet insurance company covers pre-existing conditions. However, Embrace distinguishes between curable and incurable pre-existing conditions. Curable conditions, like ear infections, may be covered if your pet is symptom-free for 12 months. Embrace offers a free Medical History Review to identify pre-existing conditions.

Is pet insurance worth it?

Yes, pet insurance is worth it if you can fit the premiums into your budget. It's easier to handle monthly premiums than dealing with thousands of dollars during a medical emergency. Even a basic policy can provide critical support to save your pet in times of need.

Do all veterinarians take pet insurance?

Yes, pet insurance has no networks. You pay the veterinarian directly, submit your claim, and the insurance company reimburses you. You can visit any licensed veterinarian, specialist, or emergency hospital you like.

Does pet insurance cover vaccines?

Vaccines are considered preventative care and are typically not covered by standard pet insurance policies. However, Embrace offers an optional wellness plan that reimburses for vaccines and other routine care expenses.

Does pet insurance cover spaying and neutering?

Spay and neuter surgeries are preventative and not covered under standard policies. However, they can be reimbursed through Embrace’s optional wellness plan, which can be added to your policy.