Pet Insurance
Premier Health Solutions has partnered with industry leaders to offer top-rated pet insurance dogs cats coverage and benefits for members wanting to protect their pets from illness and accidents.
Premier Health Solutions & Embrace Pet Insurance
At Premier Health Solutions, we are always on the hunt for ways to create additional value for our members. And protecting family members and loved ones is always a top priority for our membership — even the furry ones! Offering pet insurance is another great way to help our members create an overall health care solution for their household.
Embrace Pet Insurance has been around since 2006, is headquartered in Cleveland, Ohio, and is owned by NSM and underwritten by A+-rated American Modern Insurance Group. Embrace was ranked the #1 Pet Insurance Provider by Forbes in 2022.
Protect your dogs and cats with pet insurance coverage
Embrace Pet Insurance offers comprehensive nose-to-tail accident and illness insurance for dogs and cats. Each policy includes access to the 24/7 pet health line, plus it's all backed by their award-winning customer service.
Up to 90% Back
Get up to 90% back on bills at any vet on covered claims.
Personalized Plans
Personalized plans to fit every budget with one annual deductible.
Optional Wellness Rewards
Purchase Wellness Rewards in addition to the insurance policy to get reimbursed for routine and preventative care such as vaccinations, spay or neuter surgery, flea, tick, and heartworm medication, and much more.
24/7 Pet Health Line
24/7 pet health line through PawSupport for anytime guidance on your pet's health.
Award-Winning Service
Award-winning customer service backed by Embrace's industry-leading reputation.
Any Vet, Anywhere
Visit any licensed veterinarian nationwide — no network restrictions on covered claims.
About Pet Insurance
Pet insurance through Embrace covers accidents and illnesses for dogs and cats, including emergency visits, surgeries, hospitalizations, diagnostic tests, prescriptions, and specialist care. Optional wellness plans can also cover routine care like vaccinations and dental cleanings.
Yes. Embrace pet insurance works with any licensed veterinarian, specialist, or emergency clinic nationwide. There are no network restrictions, so your pet can continue seeing the vet you trust.
Plans offer reimbursement of up to 90% of covered veterinary costs after your deductible is met. The exact reimbursement percentage depends on the plan you select.
Wellness Rewards is an optional add-on that helps cover routine and preventative care expenses like annual exams, vaccinations, flea and tick prevention, dental cleanings, and grooming. It works as a flexible annual allowance you can use for eligible wellness expenses.
Like most pet insurance providers, Embrace does not cover pre-existing conditions. However, some conditions may become eligible for coverage after a waiting period if they are considered curable and your pet has been symptom-free. Review your specific policy for details.
Claims can be submitted online through the Embrace portal or mobile app. You pay your vet at the time of service, then submit the invoice for reimbursement. Most claims are processed quickly.
Embrace is an award-winning pet insurance provider offering comprehensive accident and illness coverage for dogs and cats. Their plans are underwritten by an A+ rated carrier and backed by industry-leading customer service.
Yes. Most pet insurance plans have a short waiting period before coverage takes effect, typically a few days for accidents and up to 14 days for illnesses. This is standard across the pet insurance industry.
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Learn About Partnering →* Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.
Copyright 2005—2022 Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. 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. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2022 American Modern Insurance Group, Inc.