Emergency and Specialty Veterinary Care Coverage

Just like human medicine, veterinary care is constantly advancing – including emergency rooms, urgent care, and veterinary specialists. Embrace Pet Insurance covers emergency and specialty pet care no matter where you go so you can rest easy knowing your pet is covered for every unexpected accident and illness.   

Why 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/ exam fee alone is often $100 or more. Embrace includes consultation/ exam fee coverage in every policy at no additional cost.

Embrace never requires you to have a referral for specialist care. There are no networks, so you’re free to use any vet that you choose. 


Types of Veterinary Specialists

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

Emergency and Specialty Care Claim Stories

Many of our pet parents have learned that accidents and illnesses do not wait for the vet’s regular business hours to strike.

Learn more about how Embrace Pet Insurance helped these policyholders afford the steep veterinary bill when an unexpected accident happened.

Emergency Coverage 1

Labrador Retriever Needs Emergency Surgery after Swallowing a Sock

Vet Bill: $12,613
Embrace Paid: $9,930.62

Emergency Coverage 3

Cat Receives Specialty Internist Care for Asthma and Diabetes

Vet Bill: $8,374
Embrace Paid: $5,799.24

Emergency Coverage 4

Cocker Spaniel Needs ER Care for Rocky Mountain Spotted Fever

Vet Bill: $15,232
Embrace Paid: $11,426.21

Mind if we pay your vet bills?

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

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.