Emergency & Specialty Pet Coverage

Like human medicine, veterinary care is always advancing. Embrace Pet Insurance covers emergency and specialty care, so your pet is protected from unexpected accidents and illnesses.

A fluffy white dog enjoys gentle care during a vet checkup, highlighting the role of an optional wellness plan in routine preventive medications for fleas, ticks, and heartworms - while pet insurance provides peace of mind for unexpected medical needs.

Why Insurance Coverage for Emergency and Specialty Veterinary Care Matters

Veterinarians at emergency and specialty hospitals are specialized, so it costs more to be seen and treated by them. The consultation and exam fee alone is often $100 or more. Embrace offers the option to add consultation and exam fee coverage to your policy with emergency vet insurance.

Embrace does not require you to have a referral for specialist care. There are no networks, so you’re free to use whichever licensed vet that you choose.

There are many types of veterinary specialists out there, and new ones being introduced as vet care advances. With Embrace, your pet is covered for:

Emergency & urgent care hospitals
Orthopedic specialists
Oncologists
Ophthalmologists
Radiologists
Internal medicine experts
Rehabilitation, physical therapy, & hydrotherapy facilities
And more

Embrace Pet Insurance does not cover pre-existing conditions or injury/illness that results from a pre-existing condition. Pet insurance that covers pre-existing conditions depends on whether your pet’s pre-existing condition is curable or not. Insuring your pet with emergency pet insurance before an accident or illness happens is the best way to make sure you’re covered for the unexpected.

Contact Embrace Pet Insurance if you have any questions or want to get dog health insurance or other types of pet insurance.

Updated Nov 3, 2025

Emergency & Specialty Pet Coverage

Why Insurance Coverage for Emergency and Specialty Veterinary Care Matters

Types of Veterinary Specialists