Dog and cat cuddling together, and sleeping peacefully without any worries. Since, their human got a comprehensive pet insurance coverage for multiple pets in one household.

Pet Insurance for Surgery

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 medical insurance for pets at no extra cost.

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

Luxating patellas
Hip dysplasia
IVDD
Tumor removal
Cherry eye
Teeth extractions
Foreign body ingestions
Cranial cruciate ligament tears
Bloat
Cataracts
Entropion

A veterinarian in green scrubs examines a calm calico cat with distinctive green eyes on an examination table, illustrating the kind of routine check-up where microchipping might be performed.

What’s Included in Pet Insurance Surgery Coverage

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 pet insurance for surgery covers the following:

Anesthesia
Vet & tech time
Overnight observation
Follow-up care
Rehabilitation
Medical waste fees

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

A happy corgi with bright eyes and tongue out receives an ear examination from a veterinarian in blue gloves, depicting the kind of specialized care needed for ear infections that many comprehensive pet insurance policies will cover after deductibles, potentially saving pet owners hundreds on diagnosis and treatment costs.

Pet 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

Updated Nov 4, 2025

Pet Insurance for Surgery

Common Surgical Procedures

What’s Included in Pet Insurance Surgery Coverage

Pet Surgical Coverage Exclusions