Embrace
Accident & Illness (Dog)
DogsAccident + illness
Plan facts read from the provider's official pages; last reviewed 2026-07-11. Facts vary by state, pet age, and breed — confirm every detail on the official policy documents before purchasing.
Coverage terms
- Region availability
- Not available
- Annual limit options
- $2,000 to unlimited
Costs
- Reimbursement options
- 70% / 80% / 90% of eligible vet bills
- Deductible options
- $200 to $1,000 annual
Waiting periods
- Accident
- None — coverage begins on the policy effective date
- Illness
- 14 days from the policy effective date
- Orthopedic
- Varies by state
Eligibility
- Pre-existing conditions
- Not covered; curable conditions may be covered after 12 consecutive symptom-free, treatment-free months
- Enrollment age limits
- 6 weeks to 14 years (accident & illness); 15+ accident-only
Exclusions
- Exclusions summary
- Pre-existing conditions, routine wellness care, breeding/pregnancy/whelping, cosmetic procedures, food and supplements, DNA testing or cloning
Source
Official provider page: embracepetinsurance.com · last reviewed 2026-07-11