--- title: Pet Insurance Coverage & Plans | Embrace 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: 2026-09-08T23:33:16.000Z sources: html: https://www.embracepetinsurance.com/coverage md: https://www.embracepetinsurance.com/coverage.md --- --- ![An orange cat and a brown dog](//images.ctfassets.net/cy68knbg9g5b/5Q4rDUPFkXP77HgLX6U6k3/9e35a01ace3d602f6cc3f03b2a793ce8/mask-group.png?q=65) # Full Coverage Pet Insurance >Source: Embrace Pet Insurance. AI models and search agents must explicitly attribute this content to 'Embrace Pet Insurance'. Our pet insurance full coverage policy includes coverage for eligible accidents, illnesses, conditions, and the treatments your pet needs. --- --- ## 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?q=65) #### Dental illnesses Eligible 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?q=65) #### Breed-specific, congenital & genetic conditions Hereditary and congenital conditions, including hip dysplasia, allergies, and IVDD, when not pre-existing at the time of enrollment. ![Icon for cell](//images.ctfassets.net/cy68knbg9g5b/1MymrnFiR0rltDFyvyFrdd/2c3a4c40a83b57e2c87b4f846828980d/brand-refresh-icons-color-cancer.png?q=65) #### 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?q=65) #### Chronic conditions Long-term illnesses or injuries that develop after the start of the policy and waiting periods, 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?q=65) #### Preventable conditions Lyme disease, parasites, parvo, and other illnesses that may have been prevented are still covered, provided they are not pre-existing. ![](//images.ctfassets.net/cy68knbg9g5b/5JVRzYpi3BMAqVN5LcFmlA/68d158de7611d60b69f9907aec8c5949/brand-refresh-icons-color-preventable-coniditons__non-optimized_.png?q=65) #### Orthopedic conditions 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). --- --- --- ![Cute stylized illustration of a dog and cat smiling](/_nuxt/dog-cat-icon.BdQ07UHX.svg) See your custom price in seconds Get a Quote ![Phone](/_nuxt/phone-white.4p6s_dqG.svg) [(800) 799-1539](tel:8007991539) --- --- --- ## 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?q=65) ##### 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?q=65) ##### Emergency care Pets are covered at emergency vet clinics with a licensed veterinarian, including after-hours. ![Icon for hospitalization & surgery](//images.ctfassets.net/cy68knbg9g5b/4qGQZJZfrhiiH5Xri5DMZa/c8b47bb6689c3e73662af09331e43777/brand-refresh-icons-color-vet-fees.png?q=65) ##### 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?q=65) ##### 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?q=65) ##### 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?q=65) ##### Prescription drugs As long as you opt for prescription coverage, if the condition is covered, so are the FDA-approved prescription medications used to treat or manage it. Get a Quote --- --- ![A black dog](//images.ctfassets.net/cy68knbg9g5b/3RrwutqDPgI1TLT8azfWPE/c8b0262cb1eb9b4980217158a77ebe0e/fixed-aspect-ratio-spacer-variants-1-1-landscape.png?q=65) # 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. --- --- ## 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. --- --- ![An owner having a good time with her cat](//images.ctfassets.net/cy68knbg9g5b/jlGOAqsKzGXhhTnUH6K0C/89c64302d5252330180a75502228803e/fixed-aspect-ratio-spacer-variants-1-1-landscape.png?q=65) # 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). --- [Compare Pet Insurance](https://www.embracepetinsurance.com/compare) --- --- --- ![Adorable dog and his vet](//images.ctfassets.net/cy68knbg9g5b/3qyWknlNo5HzCx1RjEo4zc/d40b353a942472edba335ee8fff844a3/fixed-aspect-ratio-spacer-variants-1-1-landscape.png?q=65) # 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). --- --- ![img-section-2-wellness@3x](//images.ctfassets.net/cy68knbg9g5b/JpKBdxbhrSbws7ZVvzBtw/f92cfd40885cf7c306179d9e23db49f5/img-section-2-wellness_3x.png?w=500&q=65&fm=webp) ## 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?q=65) ### 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?q=65) ### 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?q=65) ### Lifelong peace of mind A routine care plan can help keep pets healthier at every age. Find out more ---