Embrace

Embrace's SmartFlex plan lets you choose your annual deductible amount and reimbursement percentage at enrollment, giving you control over your monthly premium. Higher deductibles and lower reimbursement rates reduce your premium, while lower deductibles increase it, so you can tailor the plan to your budget and risk tolerance.

Like most pet insurance providers, Embrace excludes pre-existing conditions from coverage, but they distinguish between curable and incurable pre-existing conditions. Curable conditions, such as an ear infection that has been symptom-free for a documented period, may become eligible for coverage again after a defined waiting period.

Embrace offers an optional Wellness Rewards add-on that reimburses you for routine and preventative care such as annual exams, vaccinations, dental cleanings, and flea and tick prevention. It operates as a separate benefit from the accident and illness policy, and the reimbursement amount is based on the tier you select.

Embrace typically processes claims within several business days of receiving all required documentation, though complex cases may take longer. Reimbursements are issued via direct deposit or check, and submitting claims through their mobile app with photos of invoices generally speeds up the process.