Accident-only pet insurance plan Older pets and those with certain pre-existing conditions can benefit from Embrace's accident-only pet insurance coverage. Frequently asked questions about accident-only dog & cat insurance Which pets are best suited for pet accident-only insurance? While no longer eligible to enroll in a new accident and illness pet insurance policy, dogs and cats aged 15 years and older can benefit from Embrace's dog and cat accident-only insurance. . What does accident-only pet insurance cover? There are many things that qualify as accidents that Embrace covers including:BloatForeign body ingestionGetting hit by a carTorn cruciate ligamentPoisoningCuts & lacerationsPrescription drugs for covered conditions**Prescription drug coverage not included on policies in NY.To help with routine care, we also offer the following optional products:Wellness Rewards† for items such as annual check-ups, spay/neuter procedures, vaccines, heartworm preventatives, and more. What conditions are not covered by Embrace's accident-only plan? Along with pre-existing conditions, the accident-only pet insurance plan does not cover:IllnessesBreed-specific & genetic conditionsCongenital conditionsChronic conditionsCancerDental Illness How much does the accident-only plan reimburse? An Embrace accident-only policy reimburses you up to $5,000 each year. There is a $100 deductible that you pay once per year, and then you're reimbursed 90% of your veterinary bills.