Simply Great Pet Insurance Coverage
Our policy includes coverage for every accident, illness, and condition, plus the diagnostic exam fees, treatments, and ongoing care.
A Quick Overview of Covered Accidents, Illnesses, and Conditions
(But we cover pretty much everything, except pre-existing conditions.)
Dental Illnesses
Extractions, gingivitis, root canals, and more; covered up to $1,000/year, no dental exam required.
80% of dogs and 70% of cats have a form of periodontal disease by age 3.
Breed-specific, Congenital & Genetic Conditions
Conditions a pet is born with or due to a gene defect, such as hip dysplasia, allergies, intervertebral disc disease (IVDD), and others.
Chronic Conditions
Long-term illnesses or injuries like arthritis or diabetes; no per-condition limits and coverage continues when you renew.
Preventable Conditions
Lyme disease, parasites, parvo, and other illnesses that may have been prevented are still covered.
Orthopedic Conditions
Ligament tears, broken bones, osteosarcoma, and more are covered after a six-month waiting period (or opt to have it reduced).
Covered Treatments for All the Things Your Pet Might Get Into
Diagnostic exam fees are covered and included with every policy.
Complementary Treatments* & Rehabilitation
Less-invasive treatments, like acupuncture or laser therapy (when not preventative), included at no extra cost.
Behavioral Treatments
Treatment therapies or prescription meds for behaviors like marking, pica, or aggression.
Emergency Care
Pets are covered at any emergency vet clinic, including after-hours.
Hospitalization
Long- or short-term required hospital stays are covered, even overnight.
Specialist Care
Treatments from veterinary specialists such as oncologists, internal medicine experts, behavioralists, and others.
Diagnostic Testing
We cover all diagnostic testing for any covered illness or condition, including biopsies, X-rays, MRIs, etc.
Surgery
Scheduled or emergency surgery is covered, including anesthesia, vet/technician time, rehab, and more.
Spay/neuter surgery is preventative and not covered by insurance (but can be reimbursed by our wellness plan).
Prescription Drugs
If the condition is covered, so are the prescription meds used to treat or manage it.
*Complementary treatments were previously called alternative therapies.
Pre-Existing Conditions Done Differently
While no pet insurance policy covers pre-existing conditions, Embrace handles them differently to get you the most coverage.
A pre-existing condition is any injury, illness, or irregularity noted by you or your vet before your pet’s waiting period is over, even if your pet never went to see the vet for it.
12-Month Medical History Review
We only review the last 12 months of your pet’s medical history to establish pre-existing conditions. Some pet insurance companies review the past 24 months or your pet’s entire life.
Curable and Incurable Conditions
Some conditions are curable and we want to cover them. For example: your pup had an upset tummy with vomiting three months before enrollment. If he’s symptom- and treatment-free for a year, that condition is eligible for coverage in the future.
Compare Pet Insurance Coverage
Embrace offers one simple policy so you can rest easy knowing your pet is protected against the unexpected. Choosing the right pet insurance plan for your pet and your budget is hard enough without sorting through multiple coverage levels, or deciding if you need extra coverage (that always comes with an extra cost).
With Embrace, it's all included in our accident & illness policy.
What's Never Covered
For a complete list of exclusions see the Embrace Policy Terms and Conditions.
Pre-existing conditions
Breeding, whelping, or pregnancy
DNA testing or cloning
Deliberate injury by you or anyone in your household
Injury or illness from fighting, racing, cruelty, or neglect
Cosmetic procedures such as tail docking, ear cropping, & dew claw removal unless medically necessary
Avian flu or nuclear war
Routine veterinary care (like wellness checkup exam fees)
Preventative Care with Wellness Rewards
Wellness Rewards isn’t insurance, it’s our optional, flexible plan to help budget for your pet’s preventative and routine care. The wellness plan can be added to any insurance policy.
While insurance helps cover accidents and illnesses after they happen, Wellness Rewards reimburses you for preventative treatments and care, like grooming and nail trims, training, spay/neuter surgery, dental cleanings, and more.