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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:
Exam & Consultation Fees
ER & Specialist Care
Surgery & Hospitalization
Complementary Treatments* & Rehabilitation
Prosthetic Limbs, Devices, & Mobility Aids
Dental Illness up to $1,000/year
*Complementary treatments were previously called alternative therapies.
What's Not Covered
No pet insurance company 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, breeding, and pregnancy.
Wellness Rewards for Routine Care
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.
Wellness Rewards reimburses for:
Grooming & nail trims
Flea, tick & heartworm preventatives
Insurance for Puppies
Our accident and illness insurance covers puppies as young as six weeks old to ensure their shenanigans won’t break the bank.
Insurance for Adult Dogs
Adult dogs are older and wiser, but they can still find trouble. Insuring them in adulthood ensures they’re covered as they age.
Insurance for Senior Dogs
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.
Certain dog breeds are prone to different genetic conditions and the premium reflects that.
Aging pets are higher risk and cost more to insure since they are more susceptible to injuries and illnesses.
Veterinary rates vary based on location, so pet insurance companies consider that in your payment.
Pick from several annual deductible options. The higher the deductible you choose, the lower your pet insurance payment will be.
We reimburse a direct percentage of the vet bill. The lower the percentage, the less your payment.
Big dogs mean bigger vet bills, so we recommend picking this based on your dog’s needs and size.
Personalized policies are great, but discounts never hurt. 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
For every year you don’t receive a claim reimbursement, we’ll reduce your deductible by $50 the next year.
Learn more about the Healthy Pet Deductible.
Visit Any Vet
Regular vet, emergency, specialist, rehabilitation center – you name it. Embrace covers your pet’s unexpected vet bills from any licensed veterinarian.
Submit Your Claim
Make sure to get a copy of your 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.
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.
French Bulldog Paralyzed By Fibrocartilaginous Embolism
Vet Bill: $23,214
Embrace Paid: $16,816.46
Dachshund/Chihuahua Mix with Diabetes and Cushing's Disease
Vet Bill: $17,945
Embrace Paid: $11,447.01
Dog Suffers Salmon Poisoning
Vet Bill: $15,374
Embrace Paid: $12,023.83
Rocky Mountain Spotted Fever in Cocker Spaniel
Vet Bill: $15,233
Embrace Paid: $11,426.21
Scottish Deerhound Suffers from Aspiration Pneumonia
Vet Bill: $13,722
Embrace Paid: $10,101.84
Vet Bill: $13,137
Embrace Paid: $10,000.00