Accident-only Pet Insurance Plan

Older pets and those with certain pre-existing conditions can benefit from Embrace's accident-only insurance coverage.

Which pets should consider the accident plan?

While no longer eligible to enroll in a new accident and illness policy, dogs and cats aged 15 years and older can benefit from Embrace's accident-only pet insurance coverage.

If your pet is enrolled with an accident and illness plan before their 15th birthday, that full coverage will continue for life. We will not drop your pet's coverage at a certain age, nor will we change it. Any changes in coverage are totally up to you.

What does the accident-only plan cover?

There are many things that qualify as accidents that Embrace covers including:

  • Poisoning

  • Cuts & lacerations

  • Prescription 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 is not covered by Embrace's accident-only plan?

Along with pre-existing conditions, the accident-only plan does not cover:

  • Illnesses

  • Breed-specific & genetic conditions

  • Congenital conditions

  • Chronic conditions

  • Cancer

  • Dental 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.