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.
Get a Quote
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:
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.
See Coverage Details
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 in most states.
No Lifetime CapEmbrace 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 TherapiesSometimes less traditional medicine is just what the doctor ordered. Embrace includes alternative therapy coverage on every accident and illness insurance policy.
Flexible Pet Wellness PlanPet 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.
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.
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 give you peace of mind that your puppy’s shenanigans won’t break the bank.
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.
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.
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.
BreedPart of your payment is based on your dog’s breed. Certain breeds are prone to different genetic conditions and the premium reflects that.
AgeAging pets are more susceptible to injuries and illnesses, making them more expensive to insure due to increased risk.
LocationBecause veterinary rates vary based on location, that’s something that pet insurance companies consider when determining your payment.
YOU CHOOSEAnnual DeductibleThere are several annual deductible options for you to pick from. The higher the deductible you choose, the lower your pet insurance payment will be.
YOU CHOOSEReimbursementEmbrace reimburses based on a direct percentage of the vet bill. The lower your reimbursement percentage, the lower your premium payment.
YOU CHOOSEAnnual MaximumSelect 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.
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*
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.
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.
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.
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.
You can check the status of your claim online anytime, anywhere. Once approved, we’ll reimburse you 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.
Puppy Suffers from Grape Intoxication
Cruciate Ligament Tear in Bernese Mountain Dog
Golden Retriever Hit By Car
Hip Dysplasia Managed with Alternative Therapies
Read More Pet Claim Stories