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What Does Embrace Cover on an Accident and Illness Plan?
What Does Embrace Cover on an Accident and Illness Plan?

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

Updated over a week ago

What Does Embrace Cover?

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. Embrace also covers many of the various treatments your pet may need.

Coverage includes, but is not limited to:

Accident & Illness Coverage

Covered Treatments

  • Accidents

    • Broken Bones & Toenails

    • Intoxication, Poisoning, & Foreign Matter Ingestion

    • Dental Trauma

    • Car Accidents

    • Bloat

  • Illnesses

    • Cancer

    • Pneumonia

    • Diarrhea

    • Vomiting

    • Giardia

  • Dental Illnesses (Covered up to $1,000 per year)

    • Periodontal Disease

    • Gingivitis

    • Root Canals & Crowns

    • Oral Masses

    • Extractions

  • Breed-specific & Genetic Conditions

    • Hip & Elbow Dysplasia

    • Brachycephalic Syndrome

    • Hyper- & Hypothyroidism

    • Patellar Luxation

    • Intervertebral Disk Disease (IVDD)

  • Coverage for Working Pets

  • Complementary Treatments (previously called alternative therapies)

    • Acupuncture

    • Chiropractic Care

    • Hydrotherapy

    • Physiotherapy

    • Therapeutic Laser Treatment

  • Diagnostic Testing

    • Fine Needle Aspirates

    • Biopsies

    • Urinalysis

    • Non-routine Fecal Exams

  • Hospitalization & Surgery

    • Anesthesia

    • Exam Fees

    • Veterinarian & Technician Time

    • Follow-up Care

  • Specialist Care

  • Behavioral Therapy

  • Emergency Veterinary Care

  • Prosthetics & Mobility Devices

  • Prescription Drug Coverage

What Isn't Covered?

Routine Care

You can purchase Wellness Rewards in addition to our accident and illness insurance

Cosmetic Procedures

  • Tail Docking

  • Ear Cropping

  • Dew Claw Removal (unless it is medically necessary)

Pre-existing Conditions

Injury or Illness Resulting from Fighting, Racing***, Cruelty, or Neglect

DNA Testing or Cloning

Breeding, Whelping, & Pregnancy

*** 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.

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.

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)

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What Is Embrace's Accident-Only Pet Insurance Plan?
Does Embrace Cover Euthanasia or End-of-Life Care?
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