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Insurance Coverage Details
Embrace's Accident and Illness Coverage Information
Embrace's Accident and Illness Coverage Information

Embrace covers your pet’s accidents and illnesses as long as they are not pre-existing.

Updated over a week ago

What's Covered

Embrace covers every unexpected accident and illness that could happen to your pet as long as it was not symptomatic or diagnosed prior to the start of coverage.

Coverage includes, but is not limited to:


  • Broken Bones & Toenails

  • Intoxication, Poisoning, & Foreign Matter Ingestion

  • Dental Trauma

  • Car Accidents

  • Bloat


  • Pneumonia

  • Diarrhea

  • Vomiting

  • Giardia

  • Periodontal Disease

  • Gingivitis

  • Root Canals & Crowns

  • Oral Masses

  • Extractions
    * Dental illnesses are covered up to $1,000 per year.

Breed-specific & Genetic Conditions

  • Hip & Elbow Dysplasia

  • Brachycephalic Syndrome

  • Hyper- & Hypothyroidism

  • Patellar Luxation

  • Intervertebral Disk Disease (IVDD)

Coverage for Working Pets

Embrace's Covered Treatments

  • Complementary Treatments**
    - Acupuncture
    - Chiropractic Care
    - Hydrotherapy
    - Physiotherapy
    - Therapeutic Laser Treatment
    ** Complementary treatments were previously called alternative therapies.

  • Behavioral Therapy

  • Emergency Veterinary Care

  • Specialist Care

  • Diagnostic Testing
    - Fine Needle Aspirates
    - Biopsies
    - Urinalysis
    - Non-routine Fecal Exams

  • Hospitalization & Surgery Including:
    - Anesthesia
    - Exam Fees
    - Veterinarian & Technician Time
    - Follow-up Care

  • Prosthetics & Mobility Devices

  • Prescription Drug Coverage

What Isn't Covered

  • Routine Care
    Note: You can purchase Wellness Rewards in addition to our accident and illness insurance.

  • Injury or Illness Resulting from Fighting, Racing***, Cruelty, or Neglect
    *** Organized and professional racing is covered if you let us know that your pet is involved in that activity when you sign up or when they become involved.

  • Breeding, Whelping, & Pregnancy

  • Cosmetic Procedures
    - Tail Docking
    - Ear Cropping
    - Dew Claw Removal (unless it is medically necessary)

  • DNA Testing or Cloning

  • Avian Flu or Nuclear War

Quote by Phone

No one knows pet insurance like our friendly team of Pet Insurance Advisors who can answer your policy-related questions and personalize a quote to fit your pet's needs and your budget. 

Let's talk! Call us at (800) 779-1539

(Monday - Friday: 9 am - 8 pm ET, Saturday: 10 am - 4 pm ET)

Quote Online

If you’re on-the-go or it’s outside of our regular business hours, get a quote online.

You provide your pet’s information (species, breed, age, sex, and Zip Code) for a customized quote. You can adjust coverage limits and policy parameters to find a plan that best suits what you’re looking for.

If you have questions about coverage and covered conditions, contact us.

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