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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: 2025-10-02T19:05:46.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/surgery-coverage
  md: https://www.embracepetinsurance.com/coverage/surgery-coverage.md
---

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# 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.




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## What’s included in pet insurance surgery coverage


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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


![Veterinarian examining a dog in a cone](//images.ctfassets.net/nx3pzsky0bc9/7dkXbeK1lsnwkxbrJE5iZj/584ce09da7635d4e0c7a44f76177e817/vetcheckingdogincone_1_Mask_Group.png?w=280)


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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.



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## Common surgical procedures


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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




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## Pet surgical coverage exclusions


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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




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