Embrace — Accident & Illness (Dog)

Plan facts

Coverage

Accident and illness

What's covered

Eligible diagnostics, surgery, hospitalization, cancer treatment, rehabilitation, and complementary therapies can be covered.

Exclusions

Pre-existing conditions, routine wellness care, breeding/pregnancy/whelping, cosmetic procedures, food and supplements, DNA testing or cloning

Reimbursement

70% / 80% / 90% of eligible vet bills

How reimbursement is worked out

The annual deductible is subtracted first, then the reimbursement percentage is applied to eligible charges.

Deductible

$200 to $1,000 annual

How the deductible works

Annual deductible; met once per policy term.

Annual limit

$2,000 to unlimited

Payout limit

Annual maximum selected by the policyholder; no lifetime maximum.

Waiting period: accidents

None — coverage begins on the policy effective date

Waiting period: illnesses

14 days from the policy effective date

Waiting period: orthopedic conditions

Varies by state

Pre-existing conditions

Not covered; curable conditions may be covered after 12 consecutive symptom-free, treatment-free months

Hereditary and congenital conditions

Hereditary and congenital conditions can be covered when they are not pre-existing and applicable waiting periods are met.

Dental

Eligible dental illnesses and injuries can be covered; routine dental cleaning is not part of accident-and-illness insurance.

Exam fees

Veterinary exam-fee coverage is available as an optional add-on.

Prescriptions

Prescription-drug coverage for eligible conditions is available as an optional add-on.

Preventive care

Optional Wellness Rewards reimburses eligible routine care and is not insurance.

Enrollment age

6 weeks to 14 years (accident & illness); 15+ accident-only

Medical exam to enroll

Prior medical history is required; if there was no visit in the prior 12 months, a full physical exam is required within the first 14 policy days.

Which vets

Use any licensed veterinarian, emergency clinic, or specialist in the United States; there is no provider network.

Paying the vet

The policyholder pays the veterinary provider first and is reimbursed by direct deposit or check.

Claims

Submit the itemized invoice through the app or online account; most complete claims are processed within 10 business days.

Renewal

Coverage can continue for the pet's lifetime while the policy remains active; premiums may change at renewal.

Where it's offered

Availability and policy terms vary by state; confirm eligibility in the current quote and policy.