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Dog Insurance From Embrace

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What Embrace’s Dog Insurance Plan Includes

Embrace offers one comprehensive policy with fair and honest coverage. Embraced dogs are covered from nose to tail for every unexpected accident and illness. Our dog health insurance covers breed-specific, congenital, and chronic conditions, and all associated costs including:

  • Exam & consultation fees
  • Cancer treatments
  • Diagnostic testing
  • ER & specialist care
  • Surgery & hospitalization
  • Behavioral therapy
  • Alternative therapies & rehabilitation
  • Prosthetic limbs, devices, & mobility aids
  • Dental illness up to $1,000/year 
  • Prescription medications 

What’s Not Covered

No pet insurance company covers pre-existing conditions. Unlike our competitors, Embrace’s dog insurance plan distinguishes between curable and incurable pre-existing conditions to help you get the most coverage possible. Worried about pre-existing conditions? Request a medical history review.

Other exclusions include cosmetic procedures (dew claw removal, ear cropping, etc.), DNA testing, and breeding.

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Embrace Leads the Pet Insurance Pack

When you’re shopping for dog health insurance, make sure that the plan you pick doesn’t leave you with gaps in coverage. See how Embrace’s dog insurance compares to the rest of the pet insurance pack.

Breed-specific Conditions
We don’t restrict coverage because of your dog’s breed. As long as the condition isn’t pre-existing, you can count on us to cover it.

Exam Fees 
Visiting the vet almost always includes an exam fee, sometimes costing $100 or more. Accident and illness exam fee coverage is included on every policy at no additional cost.

Dental Coverage 
Dogs may chew on tough bones, but their teeth aren’t indestructible. Embrace covers all dental accidents, and even dental illness up to $1,000 per year.

No Lifetime Cap
Embrace doesn’t have lifetime limits. That means we won’t stop covering your pet after a certain dollar amount. Your only limit is your selected annual maximum.

Alternative Therapies
Sometimes less traditional medicine is just what the doctor ordered. Embrace includes alternative therapy coverage on every accident and illness insurance policy.

Flexible Pet Wellness Plan
Pet insurance is for unexpected vet bills. Embrace offers Wellness Rewards to help you budget for your dog’s annual exam, vaccinations, dental cleanings, and much more.

Wellness Rewards for Routine Care

Our accident and illness insurance covers your dog’s unexpected vet bills. For everything else, there’s Wellness Rewards, Embrace’s flexible routine care plan that reimburses for everyday veterinary, training, and grooming costs.

For a full pet wellness plan breakdown, visit our Wellness Rewards page.

Your full Wellness Rewards allowance is available the day you sign up and reimburses for:

Wellness Exam-icon    Wellness exams
Spay-icon  Spay/neuter surgery
Grooming-icon  Grooming & nail trims
tooth-icon    Teeth cleaning
nutritional-icon    Nutritional supplements
flea-icon    Flea, tick, & heartworm preventatives

Ready to protect your pet?

money-icon   $2 Donation for Every Policy
money-back-icon   30-day Money-back Guarantee
90%-icon   Up to 90% Back

Pet Health Insurance for Dogs of All Ages

Whether you’ve just picked up your puppy from the breeder or rescued an older dog, Embrace Pet Insurance has you covered.


Pet Insurance for Puppies

Our accident and illness insurance covers puppies as young as six weeks old to give you peace of mind that your puppy’s shenanigans won’t break the bank.

adult golden retriever

Pet Insurance for Adult Dogs

Just because your adult dog is older and wiser doesn’t mean they can’t get coverage. By insuring your adult dog, you ensure that they’ll be covered as they age.


Pet Insurance for Senior Dogs

You can insure your senior dog in Embrace’s accident and illness insurance up to their 15th birthday. After dogs turn 15, they’re eligible for an accident-only plan at enrollment.

How Your Dog Insurance Plan is Built

There are certain factors that determine the cost of a pet insurance plan that you can’t change. But Embrace allows you to customize other elements to build the best pet insurance policy for you and your dog so that coverage fits into any budget.

Part of your payment is based on your dog’s breed. Certain breeds are prone to different genetic conditions and the premium reflects that.

Aging pets are more susceptible to injuries and illnesses, making them more expensive to insure due to increased risk.

Because veterinary rates vary based on location, that’s something that pet insurance companies consider when determining your payment.

Annual Deductible

There are several annual deductible options for you to pick from. The higher the deductible you choose, the lower your pet insurance payment will be.


Embrace reimburses based on a direct percentage of the vet bill. The lower your reimbursement percentage, the lower your premium payment.

Annual Maximum

Select the annual maximum that best suits your dog’s needs. Big dogs mean bigger vet bills, so we recommend picking this based on your dog’s size.

Policy Perks & Discounts


You can personalize your dog’s policy to fit any budget you’re working with, but it never hurts to have an extra discount or two. Our discounts include:

10% Multi-pet Discount*   |   5% Military Discount*

*Discounts are subject to state regulations and may vary by state.
Visit our Discounts page for details.

Healthy Pet Deductible

Embrace offers the industry's best diminishing deductible. For every year you don’t receive a claim reimbursement, we’ll reduce your deductible by $50 the next year.

diminishing deductible-icon

Submitting Claims is Easy

It’s stressful when your dog is sick or hurt, which is why Embrace’s claim submission process is simple. Claims for accidents and illnesses are eligible for coverage once your dog is out of the waiting periods, and claims for Wellness Rewards can be sent in from the first day of your policy.


Visit Any Vet

Your regular vet, emergency hospital, specialist, rehabilitation center – you name it. Embrace will cover your dog’s unexpected vet bills from any licensed veterinarian in the US.


Submit Your Claim

We’ll need a copy of your personalized claim form and an invoice – that’s it. Claims can be sent through email, fax, mail, MyEmbrace, or the Embrace Pet Insurance mobile app.


Get reimbursed!

You can check the status of your claim online anytime, anywhere. Once approved, we’ll reimburse you by check or direct deposit.

Dog Claim Experiences

You never know what could happen to your dog, so having coverage you can count on makes all the difference. But don’t take our word for it, check out what our policyholders have to say.

Canine Health Insurance Claim Stories

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Puppy Suffers from Grape Intoxication

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Cruciate Ligament Tear in Bernese Mountain Dog

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Rottweiler Puppy Struggles With Surgery Complications

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Hip Dysplasia Managed with Alternative Therapies

Puppy Suffers from Grape Intoxication
Vet bill: $1,558
Embrace Paid $1,167
Cruciate Ligament Tear in Bernese Mountain Dog
Vet bill: $5,550
Embrace Paid $3,961
Rottweiler Puppy Struggles With Surgery Complications
Vet bill: $9,781
Embrace Paid $7,225
Hip Dysplasia Managed with Alternative Therapies
Vet bill: $4,580
Embrace Paid $2,839
Mind if we pay your vet bills?

Connect with Us

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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.