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Full coverage pet insurance
Our pet insurance full coverage policy includes coverage for accidents, illnesses and conditions, treatments, and ongoing care.
Our pet health insurance plan covers accidents, illnesses, and conditions
Dental illnesses
Extractions, gingivitis, periodontal and more; covered up to $1,000/year, no dental exam required.
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*.
Cancer
Coverage includes related testing and cancer treatments.
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 waiting period (varies by state, click here for details).
Pet insurance that covers the things your pet might get into
We even offer options to cover diagnostic exam fees and prescription drugs with our policies.
Complementary treatments & rehabilitation
Less-invasive treatments, like acupuncture or laser therapy (when not preventative), included at no extra cost.
Emergency care
Pets are covered at emergency vet clinics, including after-hours.
Hospitalization & surgery
Scheduled or emergency surgery is covered,** including required hospital stays, even overnight.
Specialist care
Treatments from veterinary specialists such as oncologists, internal medicine experts, behavioralists, and others.
Diagnostic testing
We cover diagnostic testing for covered illnesses or conditions, including biopsies, X-rays, MRIs, etc.
Prescription drugs
As long as you opt for prescription coverage, if the condition is covered, so are the prescription meds used to treat or manage it.
Our pet insurance coverage handles pre-existing conditions differently
While pet heath plans generally don't cover 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.
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 health insurance coverage
Embrace offers an easy to understand 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).
What's never covered under our pet health insurance plan
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, membership plan to help budget for your pet’s preventative and routine care. The wellness plan can be added to your 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.
*After any applicable waiting or exclusion periods.
**Spay/neuter surgery is preventative and not covered by insurance (but can be reimbursed by our wellness plan).
***Exam fee coverage is an add on to your Accident and Illness policy and can be added or removed to help adjust your premium.