Pet Insurance
Pet Insurance in Springboro, Ohio
Protect your dog or cat with flexible, affordable coverage through Embrace Pet Insurance — because your pet is family too.
Why It Matters
Your Pet Deserves Protection Too
Most Ohio pet owners love their animals like family — but very few have a plan for when something goes wrong. Here’s what the numbers say.
62%
of Ohio households own a pet — but less than 4% of those pets have any insurance coverage at all
4 in 5
pet owners could not afford an unexpected $5,000 veterinary bill without insurance — a single emergency can cost that much or more
1 in 3
pets will have a medical emergency in the next 12 months — veterinary costs have risen nearly 60% over the last decade
Coverage Breakdown
What Embrace Pet Insurance Covers
Embrace covers the unexpected — accidents, illnesses, and everything in between. Here’s what’s included in a standard policy.
Illnesses, Accidents & Injuries
From broken bones to sudden illnesses — Embrace covers the unexpected events that can result in large veterinary bills.
Hereditary & Congenital Conditions
Conditions your pet was born with or is predisposed to by breed are covered — a significant advantage over many competitors.
Diagnostic Testing
X-rays, bloodwork, MRIs, and other diagnostic procedures are covered when needed to diagnose a covered condition.
Surgery & Hospitalization
Surgical procedures and overnight hospital stays are covered including specialist and emergency care.
Behavioral Therapy
Covered behavioral issues and treatment — an often overlooked but important part of comprehensive pet care.
Complementary Treatments & Rehabilitation
Acupuncture, hydrotherapy, chiropractic care, and rehabilitation are covered as part of a holistic approach to pet health.
Know Your Limits
What Embrace Pet Insurance Doesn't Cover
Understanding exclusions before you enroll helps avoid surprises at claim time. These are the most important exclusions to know.
Pre-Existing Conditions — Any condition diagnosed or showing symptoms before your policy start date is not covered — even if no treatment was given at the time. This includes conditions discovered during the waiting period.
Breeding, Whelping & Pregnancy — Costs related to breeding, pregnancy, or whelping are excluded from standard policies.
Cosmetic Procedures — Elective or cosmetic procedures including tail docking, ear cropping, and declawing are not covered.
DNA Testing & Cloning — Genetic testing, DNA analysis, and cloning procedures are excluded from all Embrace policies.
Important to Know
Understanding Pre-Existing Conditions
Pet insurance works differently than human health insurance — pre-existing conditions are not covered. Understanding this before you enroll is essential.
What counts as pre-existing — Any condition diagnosed or showing symptoms before your policy effective date — even if untreated. This includes conditions identified during waiting periods.
Waiting periods matter — Embrace has a 14-day waiting period for illnesses and a varying orthopedic waiting or exclusionary period by state. Conditions that appear during waiting periods are treated as pre-existing.
Vet exam requirement — Your pet must have had a medical exam within 12 months before the policy begins, or be scheduled for a documented exam within the first 14 days of the policy start date.
Pro Tip
Enroll While Your Pet Is Young and Healthy
The best time to enroll is before any conditions develop. A young, healthy pet will have the fewest exclusions and the lowest premiums — waiting until something goes wrong means that condition won’t be covered.
Get a Quote Today →Why Embrace
What Makes Embrace Pet Insurance Different
Embrace has been protecting pets for over 19 years and is backed by an AM Best A+ rated underwriter. Here’s what sets them apart.
Up to 90% Reimbursement
Choose your reimbursement rate — up to 90% of covered veterinary costs — so you’re never absorbing the full financial hit alone.
Use Any Licensed Veterinarian
No network restrictions. Take your pet to any licensed vet, specialist, or emergency clinic anywhere in the U.S.
Dental Illness Coverage
Up to $1,000 per policy term for dental illness — a benefit many pet insurance carriers exclude entirely.
PawSupport 24/7 Tele-Health
Around-the-clock access to veterinary professionals by phone — so you can get guidance any time your pet needs it.
Embrace Customer Portal & App
Manage your policy, submit claims, and track reimbursements easily through the Embrace app or online portal.
19+ Years of Experience
Embrace has been protecting pets since 2003 — backed by AMIG, an AM Best A+ rated underwriter with proven financial strength.
Client Reviews
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Common Questions
Frequently Asked Questions About Pet Insurance
What does pet insurance cover?
Embrace covers accidents, illnesses, injuries, hereditary and congenital conditions, diagnostic testing, surgery, hospitalization, behavioral therapy, and complementary treatments. Exam fees and prescription medications are available as add-ons.
What is not covered by pet insurance?
Pre-existing conditions, breeding and pregnancy costs, cosmetic procedures, and DNA testing are excluded. Any condition diagnosed or showing symptoms before your policy start date — even if untreated — is considered pre-existing and will not be covered.
When should I enroll my pet?
As early as possible. Premiums are lower when your pet is young and healthy, and any conditions that develop after enrollment will be covered. Waiting until your pet is sick or injured means those conditions will be excluded as pre-existing.
Can I use any veterinarian with Embrace?
es — Embrace has no network restrictions. You can take your pet to any licensed veterinarian, specialist, or emergency clinic in the United States.
How does reimbursement work?
You pay the veterinary bill at the time of service, then submit your claim through the Embrace app or portal. Embrace reimburses you up to 90% of covered costs depending on your plan — typically within a few business days.
How much does pet insurance cost?
The average accident and illness premium runs about $56 per month for dogs and $32 per month for cats. Your actual rate depends on your pet’s species, breed, age, and zip code. Get an accurate quote in minutes using our online quoting tool.
Get a Free Pet Insurance Quote Today
Protecting your pet takes minutes and costs less than you think. Get an accurate quote online or call us and we’ll walk you through your options.