Embrace helps protect against emergency surgeries, chronic conditions, and unexpected vet bills. Because decisions should be about care, not cost.
✓ Up to 90% back on vet bills
✓ Any licensed vet in the US, no networks
✓ 90%+ of claims paid in 10 days 2
✓ Free 24/7 pet telehealth included
Plans starting at $7.99/month¹
Dogs don't slow down until something's really wrong. A single ER visit for a swallowed toy or a torn ACL can run $3,000 to $10,000. Embrace covers the eligible accidents, illnesses, and chronic conditions that catch you off guard, from a torn ACL to hip dysplasia to cancer, so you can focus on your dog instead of the bill.
Broken bones, swallowed objects (socks, toys), bite wounds, poisoning
Ear infections, allergies, stomach issues, kidney disease, ACL/CCL tears
Diagnosis, surgery, chemo, radiation, and medications with optional Rx coverage
Fractured teeth, extractions, periodontal disease (up to $1,000/yr)
Hip dysplasia, arthritis, diabetes, Cushing's disease, allergies that develop after enrollment
Emergency and scheduled procedures, overnight hospital stays
Bloodwork, X-rays, ultrasounds, MRIs, biopsies
Optional prescription coverage available for eligible daily meds and specialty drugs for covered conditions
See how our coverage stacks up against other top pet insurance providers.
 |  |  |  |  | |
|---|---|---|---|---|---|
| Unlimited annual limit option |  | ✗ | | | ✗ |
| Dental illness coverage included in our A&I policies | | Limited | ✗ | Costs Extra | Costs Extra |
| Vet-supervised Behavioral Care Included in Our A&I Policies | | ✗ | ✗ | ✗ | ✗ |
| Hip dysplasia coverage included in our A&I policies | | ✗ | ✗ | ✗ | |
| Exam fee coverage option | | ✗ | ✗ | ✗ | ✗ |
| Complementary therapies included In Our A&I Policies | | ✗ | | ✗ | ✗ |
| Multi-pet discount | 10% | 5%-10% | ✗ | 5% | ✗ |
| Claims submission window | Policy term + 60 days | Varies | 90 days | 180 days | 90 days |
Trusted protection. Fast reimbursement.
Pick your annual limit, deductible, and reimbursement %
No networks. No referrals. Any licensed vet, ER, or specialist in the US
Upload your bill in the app or online in less than 5 minutes. 90%+ of claims paid in 10 days
Claim reimbursement is based on actual policyholder claims(5).
Day or night, talk to a pet health professional. PawSupport is included in every Embrace plan at no extra cost3.
Most of our Embrace dog parents pay between $20 to $70 per month,² but here are some real monthly prices from around the country:
| Breed | Age | State | Zip | Estimated Premium |
|---|---|---|---|---|
| Mixed Breed (Toy) | 5 years | Evansville, Indiana | 47708 | starts from $13.88 |
| Yorkshire Terrier | 2 years | Little Rock, Arkansas | 72201 | starts from $14.19 |
| Chihuahua | 4 years | Jackson, Mississippi | 39201 | starts from $14.78 |
| Havanese | 1 year | Cheyenne, Wyoming | 82001 | starts from $15.36 |
| Maltese | 8 months | Birmingham, Alabama | 35203 | starts from $13.27 |
| Jack Russell Terrier | 5 months | Tulsa, Oklahoma | 74103 | starts from $13.72 |
Embrace is what premium dog insurance looks like: broader coverage, faster claims. What other insurers charge extra for, we include. Dental illness coverage (up to $1,000 per term), hip dysplasia, and vet-supervised behavioral therapy come standard on every A&I policy, not as pricey add-ons.
Choose your reimbursement level. Get up to 90% back on eligible vet bills.
No runarounds, no endless waiting. Upload your bill and get reimbursed fast
Use any licensed vet, ER, or specialist in the US. Your coverage follows you
Talk to a pet health pro anytime, day or night. Included in every plan
Diabetes, hyperthyroidism, kidney disease, as long as they develop after enrollment. No per-condition limits
Up to $1,000/year for tooth resorption, extractions, periodontal disease4
Anxiety, aggression, litter box issues. Vet-supervised behavioral therapy—standard A&I policies not an add-on.
Acupuncture, chiropractic, hydrotherapy, laser therapy. No extra charge
Hear what it's like to have real coverage when it matters most.
Finding the best dog insurance means more than just price. Here's why pet parents trust us:
Puppies are curious and reckless. They swallow socks, chew everything, and pick up infections at the dog park. No pre-existing conditions yet. Enroll early so future conditions are covered from the start, not excluded as pre-existing.
These are the prime years, but they're not risk-free. Adult dogs develop allergies, joint issues, dental disease, and unexpected injuries. This is also when many chronic conditions first show up, which is why locking in coverage now matters.
Older dogs face arthritis, cancer, kidney disease, and diabetes. Many insurers make it hard to cover them. Embrace doesn't. Dogs under 15 get full accident and illness coverage. Dogs 15+ can enroll in accident-only. Already insured? Your coverage can continue for life.
Condition | Rattlesnake Bite |
What happened | Despite completing rattlesnake avoidance training, Aragon was bitten three times in one year, requiring multiple emergency vet visits and anti-venom treatments.5 |
Vet bill | $5,157.34 |
Embrace paid | $5,084.90 |
Family paid | $72.74 |
Condition | Environmental Allergies |
What happened | Theo, a happy puppy who had a healthy start to life. At about 9-months-old, however, he and his family moved to a new state, which is where the trouble began.5 |
Vet bill | $2,783.01 |
Embrace paid | $2,783.01 |
Family paid | $0 |
Condition | Gastric Dilatation Volvulus (Bloat) |
What happened | Gastric dilatation volvulus, or bloat, is a life-threatening condition that happens when the stomach twists and fills with gas or fills with gas then twists. Luckily, when Ashley H. saw the signs in her 3 year old Standard Poodle, Fresco5 |
Vet bill | $4,570.47 |
Embrace paid | $4,570.47 |
Family paid | $0 |
Your plan, your price. Adjust these three settings to fit your budget:
$2,000 to Unlimited
The maximum we'll reimburse each year. You can lower your limit anytime, but increasing it requires a new policy, so consider starting higher if you're unsure
$200 to $1,000
The amount you pay once per year before reimbursement kicks in. A higher deductible means a lower monthly cost.
70%, 80%, or 90%
The percentage of covered vet bills you get back after your deductible. A higher rate means more money back per claim but a higher premium.
10% Multi-Pet Discount
Save when you insure more than one pet
5% Military Discount
Where available for active duty and veterans.
Pre-existing conditions
Routine wellness care (consider a pet wellness plan for options)
Breeding, pregnancy, or whelping
Cosmetic procedures (tail docking, ear cropping) unless medically necessary
Food and supplements for general health
DNA testing or cloning
Waiting periods: Coverage begins shortly after your policy starts. See waiting period details for your state.
Get up to 90% back on vet bills with plans that include unlimited annual limits. See your price in minutes.
Or call (800) 511-9172 to speak with a specialist.
How much does dog insurance cost?
Most Embrace dog parents pay $20-$70/month2. Rates are influenced by factors such as your dog's age, breed, location, and coverage selections. Other rating considerations may also apply, varying by state and policy. Lower your cost with a higher deductible, 10% multi-pet discount, or 5% military discount. Get your exact price in about a minute with no commitment.
Is dog insurance worth it?
For most owners, yes. A single emergency can cost $3,000-$10,000+. Insurance spreads that risk into a monthly payment you can plan for. When your dog needs surgery at 2 AM, you want to say yes without checking your bank account first. Enroll while your dog is healthy to maximize coverage and avoid pre-existing condition exclusions.
Do I have to pay the vet upfront?
Yes. Like most pet insurance, you pay your vet at the time of service, then submit a claim for reimbursement. Embrace pays 90%+ of claims within 10 days via direct deposit or check. 2
Does dog insurance cover pre-existing conditions?
Pre-existing conditions are excluded across the industry. However, Embrace may cover certain curable conditions once a dog has been symptom-free and treatment-free for 12 consecutive months. Chronic conditions diagnosed before enrollment stay excluded, which is why enrolling early is the best approach.
Does Embrace dog insurance cover dental?
Yes. Dental injuries are covered like any other injury. Dental illness (extractions, periodontal disease, fractured teeth) is covered up to $1,000/year. Routine cleanings are not covered.
Does Embrace cover hip dysplasia?
Yes. Eligible hip dysplasia treatment is covered on Embrace accident and illness policies with no breed exclusions. Surgery, rehab therapies, medications, and diagnostics are all eligible. Enroll before symptoms develop to ensure coverage, since pre-existing conditions are excluded.
What's the waiting period for dog insurance?
A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the applicable waiting period ends, your coverage kicks in. See waiting period details for your state.
Is there an age limit for dog insurance?
No upper age limit. Puppies from 6 weeks and dogs up to 14 can enroll in accident and illness coverage. Dogs 15+ can enroll in accident-only coverage.