Summary of What's Not Covered

  • Routine veterinary care
  • Pre-existing conditions
  • Breeding, whelping, and pregnancy
  • Injury caused deliberately by you or any other person residing in your home
  • Injury or illness resulting from fighting, racing, cruelty, or neglect
  • Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary
  • DNA testing or cloning
  • Stem cell therapy not deemed medically necessary
  • Avian flu or nuclear War

For a complete list of exclusions see the Embrace Policy Terms and Conditions.

Routine Veterinary Care

Pet insurance is for the unexpected, so routine care costs (such as wellness exams, vaccines, flea/tick/heartworm preventatives, etc.) are not covered by our accident and illness policy. However, Embrace is one of the few pet insurance companies that offers a wellness plan. Wellness Rewards is our flexible routine care plan that reimburses for everyday veterinary, training, and grooming costs.

Pre-existing Conditions

A pre-existing condition is any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see the veterinarian for it. No pet insurance company covers pre-existing conditions.

Embrace is one of the few companies that distinguishes between curable and incurable pre-existing conditions. Incurable pre-existing conditions typically require lifelong care. Curable pre-existing conditions are those that can be completely resolved. Curable pre-existing conditions could be covered moving forward if the pet goes 12 months symptom free. 

Free Medical History Review

Wondering if something in your pet's medical history could be considered a pre-existing condition? Request a free Medical History Review after you enroll your pet. Our knowledgeable Claims Team will collect and review your pet's medical history and determine which, if any, of your pet's conditions are pre-existing and for how long. 

Have you visited your vet in the last 12 months?

Per your policy terms and conditions, your pet needs to have been examined by a veterinarian in the last 12 months in order for your coverage to be active. If not, coverage will not start until a veterinary examination takes place.