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
Root Canals & Crowns
* Dental illnesses are covered up to $1,000 per year.
Breed-specific & Genetic Conditions
Hip & Elbow Dysplasia
Hyper- & Hypothyroidism
Intervertebral Disk Disease (IVDD)
Coverage for Working Pets
Embrace's Covered Treatments
- Chiropractic Care
- Therapeutic Laser Treatment
** Embrace covers alternative therapies for 12 weeks following a covered injury or illness. In some states, there is no time limit. Please see your state’s terms and conditions for details.
Emergency Veterinary Care
- Fine Needle Aspirates
- Non-routine Fecal Exams
Hospitalization & Surgery Including:
- Exam Fees
- Veterinarian & Technician Time
- Follow-up Care
Prosthetics & Mobility Devices
Prescription Drug Coverage
What Isn't Covered
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
- 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 chat! Call us at (800) 779-1539
(Monday-Friday 9 am-8 pm ET & Saturday 10 am-2 pm ET)
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.