Surgery Coverage

Surgery is a scary word when your pet is hurt or sick, and the vet bills that follow are usually thousands of dollars. Embrace includes surgery coverage in our comprehensive medical insurance for pets at no extra cost. 

What’s Included in the Cost of Your Pet’s Surgery

If you’ve ever seen a medical bill for a human surgery, you know how expensive they are before (and many times even after) insurance. Believe it or not, veterinarians often use the same equipment, medication, and techniques on pets – no wonder the vet bill is steep!

Embrace covers all parts of surgery including:

  • Exam fees

  • Anesthesia

  • Vet & tech time

  • Overnight observation

  • Medical waste fees

  • Prescriptions given by veterinary staff

  • Follow-up care

  • Rehabilitation

  • Take-home prescriptions*

Veterinarian examining a dog in a cone

We understand that deciding on surgery is tough. If finances are a concern, Embrace offers an optional pre-certification process so you know what’s covered beforehand. Pre-certification is never required, but is available to provide you peace of mind. 

Common Surgical Procedures

Whether a pet needs surgery because of a genetic condition, an emergency situation, or otherwise, Embrace has you covered. Common diagnoses that require surgery include:

  • Luxating patellas

  • Hip dysplasia

  • IVDD

  • Tumor removal

  • Parvo

  • Gastroenteritis

  • Periodontal disease

  • Root canals & crowns

  • Teeth extractions

  • Foreign body ingestions

  • Cranial cruciate ligament tears

  • Bloat

  • Cataracts

  • Entropion

  • Cherry eye

Surgical Coverage Exclusions

Every pet insurance plan has exclusions, and Embrace is no different. Surgeries that are not covered include:

  • Cosmetic procedures (dew claw removal, tail docking, ear cropping)

  • C-sections

  • Those related to pre-existing conditions

Routine and Preventative Procedures

The Embrace Pet Insurance policy is for accidents, illnesses, and related procedures. Wellness† Rewards can be purchased in addition to the accident and illness policy and covers routine and preventative surgical procedures including:

  • Spay/neuter

  • Gastropexy

  • Dental cleanings

  • Umbilical hernia

Surgery Claim Stories

Sometimes surgery is the only way to get pets back to full health. These pet parents were thankful to have Embrace Pet Insurance so they could accept their vet’s surgery recommendation no matter the cost. 

*Prescription coverage is not automatically included in policies in NY & WA.