Dog Insurance Coverage

Embrace Pet Insurance covers your dog for unexpected accidents, illness, and chronic conditions plus associated costs including surgery, hospitalization, emergency care, specialist care, diagnostic testing, prescription drugs, treatments, and more. Coverage can vary from insurer to insurer, so it’s best to research and compare.

NOTE: No pet insurance company covers pre-existing conditions, including Embrace.

According to CanineJournal.com, 95% of U.S. pet parents consider their pets to be family members. A pet accident or illness can cost thousands of dollars in vet bills. Embrace Pet Insurance can help minimize the financial aspect and base your decisions on what is right for your dog. It’s better to pay a small premium for even a basic policy to help get your dog the care they need.

Aging dogs are a higher risk for any insurance provider and cost more to insure since they are more susceptible to injuries and illness. Insurers like Embrace Pet Insurance, offer full accident and illness coverage for dogs up to 15 years old, and accident-only plans for dogs over 15 years of age. If your dog is enrolled with an accident and illness plan before their 15th birthday, that coverage continues for life.

Pet-based and policy-based factors determine the cost of dog insurance. Pet-based factors include your dog’s breed, gender, age, and even where you live. Policy-based factors include the deductible, reimbursement percentage, and other variable elements of your policy that affect your costs. Insurers like Embrace Pet Insurance, allow you to personalize parts of your policy so you can get the best plan for your dog’s needs and your budget. Learn more about our pricing options.

Unlike health insurance for people, pet insurance companies like Embrace Pet Insurance, have no networks and let you choose your vet. Embrace works on a reimbursement method, so you pay the vet directly, submit your claim, and Embrace will pay you back. You can visit any veterinarian, specialist, or emergency hospital you like.

In general, the younger your dog is, the less likely they will have pre-existing conditions or health concerns when enrolled. Embrace Pet Insurance can cover puppies as young as six weeks old, and once you enroll, you’re enrolled for life. Embrace will never drop your pet or reduce their coverage based on age, health, or claims you’ve filed.

Pet insurance is for the unexpected, so for the most part, accident and illness policies don’t cover preventative or routine care costs. However, Embrace Pet Insurance offers Wellness Rewards, a flexible preventative care plan for your dog that reimburses for everyday veterinary, training, grooming costs, and more. It works like a health savings account, helping you budget for your dog’s routine care expenses.

Every company is different, but with Embrace Pet Insurance you can insure an adopted or rescued dog without knowing its medical background. You are just required to have a vet exam prior to your coverage beginning in order to establish a medical history.

No pet insurance company covers pre-existing conditions. However, Embrace Pet Insurance does distinguish between curable and incurable pre-existing conditions. For example, incurable pre-existing conditions include diabetes and allergies, whereas curable pre-existing conditions include ear infections and undiagnosed vomiting. Since these curable conditions may clear up, they could be covered moving forward if your dog goes 12 months symptom free.

Accident-only policies basically cover sudden physical injuries and not illnesses. In some cases, dogs may have certain pre-existing conditions or be too old to be covered by standard accident and illness pet insurance policies. These dogs can benefit from Embrace Pet Insurance’s accident-only insurance coverage.

Companies and policies vary, but with Embrace Pet Insurance you can adjust your policy at any time by downgrading your coverage which could include lowering your reimbursement percentage and increasing your annual deductible, or upgrading to include enhanced coverage. By upgrading, your policy would be subject to re-underwriting which is basically like getting a new policy.