Embrace Pet Insurance covers behavioral issues

Embrace Pet Insurance policies do cover the medical treatment of behavioral issues as long as your dog or cat didn't show clinical signs of the condition before the end of the waiting period. Your policy does not cover behavioral consultations or training sessions though.

Let's have a few example:

Your dog develops a fear of thunderstorms and loud noises 6 months after you insure him. Medical treatment for this condition, such as drug therapy, and coverage of any injuries your dog might cause himself during a period of anxiety is covered

Your dog eats chicken bones as a puppy before she was insured. Three months into her policy, she eats your TV remote, which has to be removed surgically - this is covered. The previous incident is considered normal puppy behavior and not signs of a behavioral issue.

A follow on from the prior example. Say 8 months into your dog's policy period, she eats rocks in the garden and has to have those surgically removed. The condition is covered; however, your policy only covers one removal during the policy year and since you have already had the other removal earlier on in the policy term, this one is over the maximum allowed.

Your cat starts to pee anywhere but in the litter box after she was insured for 2 years. Medical treatments such as diagnostic tests and medication are covered   

Does that help understand how behavioral issues are covered by Embrace?


While you can't predict when your pet is going to get sick or injured, you can protect yourself from expensive veterinary bills. Embrace Pet Insurance gives you the freedom to do what’s best for your pet without stressing over the cost. Easily personalize your coverage to fit your budget and your pet’s needs, then visit any vet for nose-to-tail coverage. Check out what the Embrace plan covers or compare pet insurance providers to learn more.

Mind if we pay your vet bills?

Copyright 2005-2018

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.