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title: What Does Embrace Cover on an Accident and Illness Plan? | Embrace Pet Insurance Help Center
description: Embrace offers personalized, affordable pet insurance for dogs & cats with up to 90% back at any vet. Add a wellness plan for total protection. Get a free quote for your pet's customized policy.
lastUpdated: 2025-10-02T19:06:16.000Z
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---

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[What Does Embrace Cover on an Accident and Illness Plan?](/help/article/what-does-embrace-cover-on-an-accident-and-illness-plan)
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# **What Does Embrace Cover on an Accident and Illness Plan?**

Embrace covers your pet’s accidents and illnesses as long as they are not pre-existing.



## What Does Embrace Cover?

Embrace covers unexpected accident and illness that could happen to your pet as long as it was not noted, symptomatic or diagnosed prior to the start of coverage. Embrace also offers coverage for many of the various treatments your pet may need.

### Coverage includes, but is not limited to:

#### Accident & Illness Coverage

1. **Accidents**

  - Broken Bones & Toenails
  - Intoxication, Poisoning, & Foreign Matter Ingestion
  - Dental Trauma
  - Car Accidents
  - Bloat
2. **Illnesses**

  - [Cancer](https://www.embracepetinsurance.com/coverage/cancer)
  - Pneumonia
  - Diarrhea
  - Vomiting
  - Giardia
3. <a href="https://www.embracepetinsurance.com/help/article/what-does-embrace-offer-in-terms-of-dental-illness-coverage">**Dental Illnesses**</a> **** (*Covered up to $1,000 per year)*

  - Periodontal Disease
  - Gingivitis
  - Oral Masses
  - Extractions
4. **Breed-specific & Genetic Conditions**

  - Hip & Elbow Dysplasia
  - Brachycephalic Syndrome
  - Hyper- & Hypothyroidism
  - Patellar Luxation
  - Intervertebral Disk Disease (IVDD)
5. **Coverage for Working Pets**


#### Covered Treatments

1. **Complementary Treatments** *(previously called alternative therapies)*

  - Acupuncture
  - Chiropractic Care
  - Hydrotherapy
  - Physiotherapy
  - Therapeutic Laser Treatment
2. **Diagnostic Testing**

  - Fine Needle Aspirates
  - Biopsies
  - Urinalysis
  - Non-routine Fecal Exams
3. **Hospitalization & Surgery**

  - Anesthesia
  - Exam Fees coverage available
  - Veterinarian & Technician Time
  - Follow-up Care
4. **Specialist Care**
5. **Veterinary Behavioral Therapy**
6. **Emergency Veterinary Care**
7. **Prosthetics & Mobility Devices**
8. **Prescription Drug Coverage available**

## What Isn't Covered?

1. Routine Care
2. <a href="https://www.embracepetinsurance.com/help/article/what-are-pre-existing-conditions-and-does-embrace-cover-them">**Pre-existing Conditions**</a>
3. **DNA Testing or Cloning**
4. **Cosmetic Procedures**

  - Tail Docking
  - Ear Cropping
  - Dew Claw Removal (unless it is medically necessary)
5. **Injury or Illness Resulting from Fighting, Racing***, Cruelty, or Neglect**
6. **Breeding, Whelping, & Pregnancy**
*** Organized and professional racing is covered if you let us know that your pet is involved in that activity when you sign up or when they become involved.

## Quote Online

If you’re on-the-go or it’s outside of our regular business hours, <a href="https://quote.embracepetinsurance.com/?brand=Embrace">**get a quote online**</a> **.**

You provide your pet’s information (species, breed, age, sex, and Zip Code) for a customized quote. You can adjust coverage limits and policy parameters to find a plan that best suits what you’re looking for.

## Quote by Phone

No one knows pet insurance like our friendly team of Pet Insurance Advisors who can answer your policy-related questions and personalize a quote to fit your pet's needs and your budget.

Let's talk! Call us at <a href="tel:8007791539">**(800) 779-1539**</a>

*(Monday - Friday: 9 am - 8 pm ET, Saturday: 10 am - 4 pm ET)*




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## Still Have Questions?

Get in touch with our Insurance and Claims Experts

##### Customer Care

Monday - Friday: 9 am - 8pm ET

Saturday: 10 am - 2pm ET

Phone: (855) 540-2104*

Fax: (800) 238-1042

##### Policy Quotes & Purchase

Monday - Friday: 9 am - 8 pm ET

Saturday: 10 am - 4 pm ET

Phone: (855) 540-0591



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