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Pet Insurance You Can Use at Any Licensed Vet | Embrace Pet InsuranceGet nose-to-tail pet insurance you can use at any vet. Lifetime illness coverage, recurring issues covered, and an optional Rx plan for pet meds, even for chronic conditions. Embrace Pet Insurance pays up to 90% back on bills.Pet Insurance You Can Use at Any Licensed Vet | Embrace Pet Insurance Call Us: (800) 511-9172 Contact Us Underwriting LoginPet InsurancePet Insurance menuPet InsuranceDog InsuranceCat InsurancePet Wellness PlansPet Dental InsurancePet Insurance & Pre-existing ConditionsFull Coverage Pet InsuranceHow Does Pet Insurance Work?Pet Insurance CostsCompareCompare menuCompareCompare Pet InsuranceEmbrace vs ASPCAEmbrace vs FetchEmbrace vs Healthy PawsEmbrace vs LemonadeEmbrace vs BanfieldEmbrace vs MetlifeEmbrace vs NationwideEmbrace vs Pets BestEmbrace vs PumpkinEmbrace vs SpotEmbrace vs TrupanionHelp CenterHelp Center menuHelp CenterSubmit & View ClaimsFAQsContact UsResourcesResources menuResourcesWater Bowl BlogPet Insurance 101Dog BreedsCat BreedsPet Health ConditionsCareers Start a Quote Start a Quote Start a Quote Pet InsurancePet Insurance menuPet InsuranceDog InsuranceCat InsurancePet Wellness PlansPet Dental InsurancePet Insurance & Pre-existing ConditionsFull Coverage Pet InsuranceHow Does Pet Insurance Work?Pet Insurance CostsCompareCompare menuCompareCompare Pet InsuranceEmbrace vs ASPCAEmbrace vs FetchEmbrace vs Healthy PawsEmbrace vs LemonadeEmbrace vs BanfieldEmbrace vs MetlifeEmbrace vs NationwideEmbrace vs Pets BestEmbrace vs PumpkinEmbrace vs SpotEmbrace vs TrupanionHelp CenterHelp Center menuHelp CenterSubmit & View ClaimsFAQsContact UsResourcesResources menuResourcesWater Bowl BlogPet Insurance 101Dog BreedsCat BreedsPet Health ConditionsCareers Login (800) 511-9172 Underwriting They give you their best. Give it back.See any licensed vet, no networkFree 24/7 telehealthFast claims – 90% paid in 10 daysStart a Quote(800) 511-9172Pet Insurance For Any SituationUnexpected vet bills can be stressful, but with Embrace cat insurance and dog insurance you don’t have to choose between your pet and your savings. Over 90% of Embrace customers surveyed agreed that pet insurance extended their pet's life.  Embrace Pet Insurance has you covered for: ArthritisCushing's diseaseLimpingAsthmaLymphomaGastrointestinal issuesAnxietyHyperthyroidismLigament tearsSkin conditionsDiabetesEar infectionsSeizuresKidney failureSkin growthsUrinary tract infectionsInflammatory bowelSee Coverage DetailsIllnesses & ConditionsFrom chronic skin conditions to serious illnesses like cancer, get money back for the treatments your pet needs the most.Accidents & InjuriesFinancial protection from unexpected incidents like broken bones, swallowed objects, poisoning, and more.Dental DiseaseCoverage for unexpected dental work, including tooth extractions, gingivitis care, and more.Click For PriceRoutine Care: The Smart Way to Manage Pet Health CostsAnnual exams, vaccines, parasite control, and dental cleanings all work together to spot health issues early—long before they become painful for your pet or expensive for you. Planning preventive care turns “I’ll get to it” tasks into an intentional, year-round habit that protects both your pet’s health and your budget.Early detection, better outcomesMinor problems are easier—and far less costly—to treat when found early.Predictable annual costsA flexible pet wellness plan helps prevent surprise bills from piling up.Lifelong peace of mindA routine care plan can help keep pets healthier at every age.Find out moreWhy pet parents say we're worth every pennyHear what it's like to have real coverage when it matters most. Over 18 Years of Pet Insurance ExpertiseWe’re dedicated to pet health and providing peace of mind to pet parents with easy-to-understand pet insurance plans, lightning-fast claims, 24/7 telehealth support, and Wellness Rewards for routine care. It’s why the families of more than 500,000 pets have come to know and trust Embrace.  It is because we made the VERY good decision to purchase insurance from Embrace, that we are able to care so well for our cat Peter during his lymphoma treatment and give him as many happy years as we possibly can.Peter's MomTotal Bill$1,659.79Embrace Paid$1,088.81Click for PricePet Insurance Myths DebunkedMYTH #1“It’s better to save up for my pet’s care.”Pet insurance gives you quicker access to thousands in coverage, while savings take time to build. One emergency can wipe out your account—insurance resets each year so you’re better prepared.MYTH #2“My pet is young and healthy, so I don’t need it.”Accidents and illnesses can happen at any age, and young pets often get into the most trouble. Getting coverage early helps avoid pre-existing condition exclusions later on.MYTH #3“It won’t cover what I need.”With the right plan, pet insurance can help cover everything from emergencies and chronic conditions to acupuncture and behavioral therapy. It’s broader than many people expect.MYTH #4“I’m limited to a list of vets in my network.”Embrace lets you visit any licensed vet, anywhere in the U.S.—no networks, no restrictions. Whether it’s your trusted local vet or a specialty clinic, you’re covered.Getting Paid Back is as Easy as 1, 2, 31Go to the vetWith no network restrictions, you can choose from any veterinarian, including emergency and specialist vet clinics.2Submit a claim onlineTake a picture of your invoice and submit using the Embrace website or app. No claim form or paperwork needed.3Get money back fastUse direct deposit and get paid right to your account when your claim is approved.Get Started with EmbraceClick for PriceClick for PricePet Insurance Frequently Asked QuestionsWhat 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 so that you can afford to get your pet the best care in the event of a costly accident or illness. Think of pet insurance like car insurance – it’s there to give you a financial safety net if something unexpected were to happen. Just like your car insurance doesn’t cover routine maintenance or any accidents you got into before purchasing the policy, pet insurance plans typically don’t cover routine care costs and pre-existing conditions. Learn more about how pet insurance works.How much is pet insurance?The cost of pet insurance prices can vary widely depending on the type of pet you have, their age, their breed, and even where you live. At Embrace, we allow you to personalize parts of your policy so that you can get the best plan for your pet’s needs and your budget. Learn more about our pricing options.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.Which pet insurance covers pre-existing conditions?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.Is pet insurance worth it? Financial challenges happen, and that's the very reason pet insurance is worth it if you can find a way to fit the premiums into your budget. It's easier to find a small amount each month than thousands of dollars at once in an emergency. If you’re the type of person who would do anything to save your pet, it’s better to pay a small premium for even a basic policy to help get your pet the care they need. Do all veterinarians take pet 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.Does pet insurance cover vaccines?Vaccines are preventative and not covered by insurance. However, it can be reimbursed through our optional wellness plan that can be added onto your policy.Does pet insurance cover spaying and neutering?Spay/neuter surgery is preventative and not covered by insurance. However, it can be reimbursed through our optional wellness plan that can be added onto your policy. Back to Top Log in to account Connect with UsPet InsurancePet InsurancePet InsuranceInsurance for DogsInsurance for CatsFull Coverage Pet InsuranceHelp CenterGet a QuotePet Insurance by StatePet Insurance by StateFlorida Pet InsuranceTexas Pet InsuranceNew York Pet InsuranceNew Jersey Pet InsuranceMore State by State CoverageAbout EmbraceAbout EmbraceContact UsAbout UsCareersPress & MediaSubmit & View ClaimsPoliciesPoliciesPrivacy PolicyDo Not Sell or Share My Personal InformationLicensingTerms of UseSample Policy TermsNotice to California ResidentsPolicy DisclosurePet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic#0G89328, Cleveland, OH) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company (NAIC #0361-23469, Amelia, OH) d/b/a in CA as American Modern Insurance Company (NAIC #0361-23469) and American Southern Home Insurance Company (NAIC #0361-41998, Atlanta, GA). Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Discounts may vary and are subject to change. For full terms and conditions, visit www.embracepetinsurance.com/coverage/embrace-terms . Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address. Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit www.embracepetinsurance.com/wellness-rewards-terms-of-service (c) 2025 American Modern Insurance Group, Inc.CareCredit is a credit card offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace.enen1772490388https://embracepetinsurance.com

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