The only pet insurance that covers your Dutch membership

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.

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. No pet insurance company covers incurable 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.Embrace defines 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 they do a Medical History Review, which involves one of their 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 they 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.

Embrace pet insurance makes it easy to get your pet the care they need when issues pop up — without stressing about a big bill. Here’s how it works.

1. Visit any vet
   With no network restrictions, you can choose from any veterinarian, including emergency and specialist vet clinics.
2. Submit a claim online
   Take a picture of your invoice and submit using the Embrace website or app. No claim form or paperwork needed.
3. Get money back fast
   Use direct deposit and get paid right to your account when your claim is approved.

Get an Embrace quote through the form on this page and sign up for Embrace through the link in your quote. You’ll automatically be refunded for your annual or monthly Dutch membership (up to $99) after 31 days of Embrace coverage.