---
title: Full Coverage Pet Insurance | Discover Pet Health Insurance that Covers Everything - Embrace Pet Insurance
description: Explore full coverage pet insurance online at Embrace Pet Insurance. We are proud to offer pet insurance that covers accidents, illnesses, genetic conditions, cancer, ER visits, and more. Learn more about our pet insurance plan at Embrace Pet Insurance.
lastUpdated: 2025-10-02T19:06:12.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage
  md: https://www.embracepetinsurance.com/coverage.md
---

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![](//images.ctfassets.net/cy68knbg9g5b/5Q4rDUPFkXP77HgLX6U6k3/9e35a01ace3d602f6cc3f03b2a793ce8/mask-group.png)

# Full Coverage Pet Insurance

Our pet insurance full coverage policy includes coverage for accidents, illnesses and conditions, treatments, and ongoing care.



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## Our pet health insurance plan covers accidents, illnesses, and conditions

![dental illnessess icon](//images.ctfassets.net/cy68knbg9g5b/61Mu1AXeUwb4OugZDGBYT1/c1ffd9da1189fc79a7cf89a304fb3174/brand-refresh-icons-color-dental.png)

#### Dental illnesses

Extractions, gingivitis, periodontal diseases and more; covered up to $1,000/year, no dental exam required.

![Conditions a pet is born with or due to a gene defect, such as hip dysplasia, allergies, intervertebral disc disease (IVDD), and others\*.](//images.ctfassets.net/cy68knbg9g5b/Kpj3FvuS7Nw8IBr3allaJ/dc076c63dee4e967d5021e364047aaac/brand-refresh-icons-color-diagnostic-testing.png)

#### 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*.

![Icon for cell](//images.ctfassets.net/cy68knbg9g5b/1MymrnFiR0rltDFyvyFrdd/2c3a4c40a83b57e2c87b4f846828980d/brand-refresh-icons-color-cancer.png)

#### Cancer

Coverage includes related testing and cancer treatments.

![icon for chronic conditions](//images.ctfassets.net/cy68knbg9g5b/5O1iMaGIXmKe01rA5d2tnv/41302bc1da9340d72606a21b58baf0c1/brand-refresh-icons-color-chronic-conditions.png)

#### Chronic conditions

Long-term illnesses or injuries like arthritis or diabetes; no per-condition limits and coverage continues when you renew.

![icon for preventable conditions](//images.ctfassets.net/cy68knbg9g5b/1BsfREOMTCzyG1RKmhAiST/9d4a8a2014bad63ecaea068634e2304c/brand-refresh-icons-color-preventable-coniditons.png)

#### Preventable conditions

Lyme disease, parasites, parvo, and other illnesses that may have been prevented are still covered.

![](//images.ctfassets.net/cy68knbg9g5b/5JVRzYpi3BMAqVN5LcFmlA/68d158de7611d60b69f9907aec8c5949/brand-refresh-icons-color-preventable-coniditons__non-optimized_.png)

#### Orthopedic conditions

Ligament tears, broken bones, osteosarcoma, and more are covered after a waiting period (varies by state, [click here](https://www.embracepetinsurance.com/guides/orthopedic-waiting-period) for details).



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### See your custom price in seconds

Call [(800) 799-1539](tel:8007991539)

Get a Quote

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## 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.

![band-aid icon for accident injuries](//images.ctfassets.net/cy68knbg9g5b/1DAxPHS2ZSLTuZ8mCbocWL/6bb343f4a406d4fd5757745a418857b6/brand-refresh-icons-color-accident-injuries.png)

##### Complementary treatments & rehabilitation

Less-invasive treatments, like acupuncture or laser therapy (when not preventative), included at no extra cost.



![Hospital icon](//images.ctfassets.net/cy68knbg9g5b/6SymUYUvO21fbgggAtYw8k/a8d2bad2f323a529343ec781863eed5e/brand-refresh-icons-color-hospital.png)

##### Emergency care

Pets are covered at emergency vet clinics, including after-hours.

![Icon for hospitalization &amp; surgery](//images.ctfassets.net/cy68knbg9g5b/4qGQZJZfrhiiH5Xri5DMZa/c8b47bb6689c3e73662af09331e43777/brand-refresh-icons-color-vet-fees.png)

##### Hospitalization  & surgery

Scheduled or emergency surgery is covered,** including required hospital stays, even overnight.

![Icon for Specialist care](//images.ctfassets.net/cy68knbg9g5b/75en07xu1voveKS7DEm9VN/c1ef251dc48c6befd68be96442e1d036/brand-refresh-icons-color-lab.png)

##### Specialist care

Treatments from licensed veterinary specialists such as oncologists, internal medicine experts, behaviorists, and others.

![Icon for diagnostic testing](//images.ctfassets.net/cy68knbg9g5b/f3l5ENp581n11UxCgJPrC/bfcbf9a6fdc8e10ba766204ff025c2a8/brand-refresh-icons-color-diagnostic-testing.png)

##### Diagnostic testing

We cover diagnostic testing for covered illnesses or conditions, including biopsies, X-rays, MRIs, etc.

![Icon for prescription drug](//images.ctfassets.net/cy68knbg9g5b/6Y1PdTl33fODcK68qVI0Pq/40a7d05828590663820b45c42b8ee26f/brand-refresh-icons-color-rx.png)

##### 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.

Get a Quote

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![A black dog](//images.ctfassets.net/cy68knbg9g5b/3RrwutqDPgI1TLT8azfWPE/c8b0262cb1eb9b4980217158a77ebe0e/fixed-aspect-ratio-spacer-variants-1-1-landscape.png)

## 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](https://www.embracepetinsurance.com/coverage/pre-ex-conditions) 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.



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<!-- <header> -->
## Curable and incurable conditions


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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.



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![An owner having a good time with her cat](//images.ctfassets.net/cy68knbg9g5b/jlGOAqsKzGXhhTnUH6K0C/89c64302d5252330180a75502228803e/fixed-aspect-ratio-spacer-variants-1-1-landscape.png)

## 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).

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[Compare Pet Insurance](https://www.embracepetinsurance.com/compare)

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![Adorable dog and his vet](//images.ctfassets.net/cy68knbg9g5b/3qyWknlNo5HzCx1RjEo4zc/d40b353a942472edba335ee8fff844a3/fixed-aspect-ratio-spacer-variants-1-1-landscape.png)

## What's never covered under our pet health insurance plan

- 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)
For a complete list of exclusions see the [Embrace Policy Terms and Conditions](https://www.embracepetinsurance.com/coverage/embrace-terms).



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![img-section-2-wellness@3x](//images.ctfassets.net/cy68knbg9g5b/JpKBdxbhrSbws7ZVvzBtw/f92cfd40885cf7c306179d9e23db49f5/img-section-2-wellness_3x.png)

## Routine Care: The Smart Way to Manage Pet Health Costs

Annual exams, vaccines, parasite control, and dental cleanings all work together to spot health issues early—long before they become painful for your pet or expensive for you. Planning preventive care turns “I’ll get to it” tasks into an intentional, year-round habit that protects both your pet’s health and your budget.

![icons-diagnostics](//images.ctfassets.net/cy68knbg9g5b/1QtsnqUoC8z8jOzQxX1mp6/094caee1affdbbacba57a2b7707e0dbf/icons-diagnostics.png)

### Early detection, better outcomes

Minor problems are easier—and far less costly—to treat when found early.

![icons-alternative-palette-money-default](//images.ctfassets.net/cy68knbg9g5b/6aroevUvOFoXb8tmxKhaoM/c27935f7d9bb2756ee7ad96af98a0be4/icons-alternative-palette-money-default.png)

### Predictable annual costs

A flexible pet wellness plan helps prevent surprise bills from piling up.

![brand-refresh-icons-color-giving-back](//images.ctfassets.net/cy68knbg9g5b/6ndOL2Lo2hadiMFuuLLfsa/02008d7723b252e1a4a1bd843751d1d0/brand-refresh-icons-color-giving-back.png)

### Lifelong peace of mind

A routine care plan can help keep pets healthier at every age.

Find out more <a href="https://www.embracepetinsurance.com/research/pet-wellness-care-plans"></a>

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*After any applicable [waiting or exclusion periods](https://www.embracepetinsurance.com/coverage/waiting-period).

**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 applied or removed to help adjust your premium.