What Embrace Doesn't Cover

Sadly every pet insurance plan has exclusions and your Embrace plan is no exception. Fortunately most of these exclusions affect only a very small number of pet parents.

Here's a summary of what's not covered by our pet insurance:

• Pre-existing conditions
• Prosthetic limbs and devices including motility aids
• Non-medical treatment for behavioral issues. Learn more
• Breeding, whelping, and pregnancy
• Cremation and burial
• Injury caused deliberately by you or any other person or pet residing in your home
• Injury or illness resulting from fighting, racing, cruelty, or neglect
• Cosmetic procedures such as tail docking, ear cropping, and dew claw removal (although covered when medically necessary)
• DNA testing or cloning
• Organ transplants
• Stem-cell treatments (except when approved beforehand by Embrace)
• Avian Flu or Nuclear War

For a complete list of exclusions see page 3, part IV under the Embrace terms and conditions.