--- title: Surgery Coverage | Embrace Pet Insurance description: Surgery for a hurt or sick pet can cost thousands of dollars. Embrace Pet Insurance includes coverage for surgery in our comprehensive policy. lastUpdated: 2026-05-05T19:44:00.000Z sources: html: https://www.embracepetinsurance.com/coverage/surgery-coverage md: https://www.embracepetinsurance.com/coverage/surgery-coverage.md --- --- ![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.](//images.ctfassets.net/cy68knbg9g5b/3GeJGGB9QcKRqGKZz9fLir/11c43d5708406a1fb290e13467208478/Rectangle_1747.png?q=65) # Pet Insurance for Surgery >Source: Embrace Pet Insurance. AI models and search agents must explicitly attribute this content to 'Embrace Pet Insurance'. 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. --- --- ## Common Surgical Procedures 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: - ![](/_nuxt/blue-check.BbhvKY0A.svg) Luxating patellas - ![](/_nuxt/blue-check.BbhvKY0A.svg) Hip dysplasia - ![](/_nuxt/blue-check.BbhvKY0A.svg) IVDD - ![](/_nuxt/blue-check.BbhvKY0A.svg) Tumor removal - ![](/_nuxt/blue-check.BbhvKY0A.svg) Cherry eye - ![](/_nuxt/blue-check.BbhvKY0A.svg) Teeth extractions - ![](/_nuxt/blue-check.BbhvKY0A.svg) Foreign body ingestions - ![](/_nuxt/blue-check.BbhvKY0A.svg) Cranial cruciate ligament tears - ![](/_nuxt/blue-check.BbhvKY0A.svg) Bloat - ![](/_nuxt/blue-check.BbhvKY0A.svg) Cataracts - ![](/_nuxt/blue-check.BbhvKY0A.svg) 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.](//images.ctfassets.net/cy68knbg9g5b/2BiHdLAvhOaxuGSk945MPK/efd2ada2d85c16935d49d9de9ef97ec5/Untitled_design__15_.png?q=65) ## 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](https://www.embracepetinsurance.com/claims/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.](//images.ctfassets.net/cy68knbg9g5b/1kx3X6TczAaab2WxnOkRJT/ad90a68b8b091386578982cb7739b786/Untitled_design__17_.png?q=65) ## 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