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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.

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

  1. Accidents

    • Broken Bones & Toenails

    • Intoxication, Poisoning, & Foreign Matter Ingestion

    • Dental Trauma

    • Car Accidents

    • Bloat

  2. Illnesses

    • Cancer

    • Pneumonia

    • Diarrhea

    • Vomiting

    • Giardia

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

    • Periodontal Disease

    • Gingivitis

    • Oral Masses

    • Extractions

  4. Breed-specific & Genetic Conditions

    • Hip & Elbow Dysplasia

    • Brachycephalic Syndrome

    • Hyper- & Hypothyroidism

    • Patellar Luxation

    • Intervertebral Disk Disease (IVDD)

  5. Coverage for Working Pets

Covered Treatments

  1. Complementary Treatments (previously called alternative therapies)

    • Acupuncture

    • Chiropractic Care

    • Hydrotherapy

    • Physiotherapy

    • Therapeutic Laser Treatment

  2. Diagnostic Testing

    • Fine Needle Aspirates

    • Biopsies

    • Urinalysis

    • Non-routine Fecal Exams

  3. Hospitalization & Surgery

    • Anesthesia

    • Exam Fees

    • Veterinarian & Technician Time

    • Follow-up Care

  4. Specialist Care

  5. Behavioral Therapy

  6. Emergency Veterinary Care

  7. Prosthetics & Mobility Devices

  8. Prescription Drug Coverage


What Isn't Covered?

  1. Routine Care

  2. Pre-existing Conditions

  3. DNA Testing or Cloning

  4. Cosmetic Procedures

    • Tail Docking

    • Ear Cropping

    • Dew Claw Removal (unless it is medically necessary)

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

  6. 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)


Ready to protect your furry friend?

Call (800) 799-1539