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Pet Prescription Drug Coverage

Prescription drugs for pets can be expensive. If your pet suffers an allergic reaction or has a chronic condition that requires ongoing care, the costs of take-home drugs can quickly add up.

Prescription Medications Covered by Embrace

Embrace’s pet prescription drug coverage for take-home medications is available with every policy. This coverage reimburses for FDA-approved and Homeopathic Pharmacopoeia-included drugs prescribed for covered conditions. Embrace covers prescriptions including:

  • checkmark icon used as a list bulletAntibiotics
  • checkmark icon used as a list bulletAllergy medication
  • checkmark icon used as a list bulletInsulin & supplies
  • checkmark icon used as a list bulletEye & ear drops
  • checkmark icon used as a list bulletOral chemotherapy
  • checkmark icon used as a list bulletSteroids
  • checkmark icon used as a list bulletPain relievers
  • checkmark icon used as a list bulletAnxiety medication
A woman lovingly kissing her bulldog, highlighting the importance of being aware of breed-specific health conditions and ensuring that pet insurance provides coverage for potential hereditary issues. Even mixed breed pets can be prone to genetic conditions.

Wellness Plan for Preventative Prescriptions

Prescription drug coverage through pet insurance typically applies to medications prescribed for treating eligible accidents and illnesses. Additionally, optional wellness plans can often be purchased to assist policy holders by paying you back for preventative prescriptions, such as:

  • Flea, tick, & heartworm preventatives

  • Prescription diet food

  • Ear cleaning drops

  • Nutritional supplements

  • Medicated shampoos

Embrace Pet Insurance does not cover pre-existing conditions, injury/illness that results from a pre-existing condition, or prescriptions used to treat a pre-existing condition. Insuring your pet before an accident or illness happens is the best way to make sure you’re covered for the unexpected.

Updated Nov 4, 2025

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Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Discounts may vary and are subject to change. For full terms and conditions, visit https://www.embracepetinsurance.com/coverage/embrace-terms .

Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit https://www.embracepetinsurance.com/wellness-rewards-terms-of-service (c) 2025 American Modern Insurance Group, Inc.

CareCredit is a credit product offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace. (c) 2025 American Modern Insurance Group, Inc

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