You can’t predict when your dog will get hurt or sick. But you can protect yourself from costly vet bills with the right dog health insurance plan.
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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:
No pet insurance covers pre-existing conditions, but Embrace’s dog insurance plan separates curable and incurable conditions to help you get the most coverage. Worried about pre-existing conditions? Request a medical history review. Other exclusions include cosmetic procedures, DNA testing, and breeding.
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When shopping for dog health insurance, pick a plan that doesn’t leave gaps in coverage. See how Embrace’s dog insurance compares to the competition.
Exam Fees It can cost $100 or more to be seen by the vet. Accident and illness exam fee coverage is included on every policy.
Alternative TherapiesSometimes vets recommend less traditional medicine. Embrace includes alternative therapy coverage on every policy.
Dental Coverage Dogs may chew tough bones, but their teeth aren’t indestructible – Embrace covers dental illness (up to $1,000/year) and accidents.
Our dog insurance policy covers unexpected vet bills. For everything else, there’s Wellness Rewards†, Embrace’s flexible routine care plan that covers everyday veterinary, training, and grooming costs.
For a full pet wellness plan breakdown, visit our Wellness Rewards page.
Whether you’ve just picked up your puppy from the breeder or rescued an older dog, Embrace Pet Insurance has you covered.
Our accident and illness insurance covers puppies as young as six weeks old to ensure their shenanigans won’t break the bank.
Adult dogs are older and wiser, but they can still find trouble. Insuring them in adulthood ensures they’re covered as they age.
Dogs can be enrolled in our accident & illness plan up to their 15th birthday. After 15, they’re eligible for an accident-only plan at signup.
Some factors that determine pet insurance plan cost can’t be changed. But Embrace lets you customize other elements to build the best dog insurance policy that fits every budget.
BreedCertain dog breeds are prone to different genetic conditions and the premium reflects that.
AgeAging pets are higher risk and cost more to insure since they are more susceptible to injuries and illnesses.
LocationVeterinary rates vary based on location, so pet insurance companies consider that in your payment.
YOU CHOOSEAnnual DeductiblePick from several annual deductible options. The higher the deductible you choose, the lower your pet insurance payment will be.
YOU CHOOSEReimbursementWe reimburse a direct percentage of the vet bill. The lower the percentage, the less your payment.
YOU CHOOSEAnnual MaximumBig dogs mean bigger vet bills, so we recommend picking this based on your dog’s needs and size.
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Personalized policies are great, but discounts never hurt. Our discounts include:10% Multi-pet Discount* | 5% Military Discount*
For every year you don’t receive a claim reimbursement, we’ll reduce your deductible by $50 the next year.
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. Submitting is a breeze.
Regular vet, emergency, specialist, rehabilitation center – you name it. Embrace covers your dog’s unexpected vet bills from any licensed veterinarian.
We need a copy of your personalized claim form and an invoice. Claims can be sent through MyEmbrace, the Embrace Pet Insurance mobile app, email, fax, or mail.
Check the status of your claim online anytime, anywhere. Approved claims are reimbursed by check or direct deposit.
Dog Toy Caused Major Problems for DalmatianVet Bills: $8,224 | Embrace Reimbursed: $6,695
Beqa suffered from pancreatitis that was worsened by a severe blockage of some remaining plastic from a toy. Her pet parent was willing to do what it took to make her fur baby well.
“I was grateful to have Embrace through all of this… Now Beqa is back to her normal self: happy, wild, playful.” -Donna M., Beqa’s Pet Parent