Accident-only pet insurance plan

Older pets and those with certain pre-existing conditions can benefit from Embrace's accident-only pet insurance coverage.

Frequently asked questions about accident-only dog & cat insurance

Which pets are best suited for pet accident-only insurance?

While no longer eligible to enroll in a new accident and illness pet insurance policy, dogs and cats aged 15 years and older can benefit from Embrace's dog and cat accident-only insurance.

What does accident-only pet insurance cover?

There are many things that qualify as accidents that Embrace covers including:

  • Bloat

  • Foreign body ingestion

  • Getting hit by a car

  • Torn cruciate ligament

  • Poisoning

  • Cuts & lacerations

  • Prescription drugs for covered conditions*

*Prescription drug coverage not included on policies in NY.

To help with routine care, we also offer the following optional products:

  • Wellness Rewards† for items such as annual check-ups, spay/neuter procedures, vaccines, heartworm preventatives, and more.

What conditions are not covered by Embrace's accident-only plan?

Along with pre-existing conditions, the accident-only pet insurance plan does not cover:

How much does the accient-only plan reimburse?

An Embrace accident-only policy reimburses you up to $5,000 each year. There is a $100 deductible that you pay once per year, and then you're reimbursed 90% of your veterinary bills.