Dog sitting on rock getting kissed

Dog Insurance From Embrace

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

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:

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Exam & consultation fees
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Cancer treatments
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Diagnostic testing
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ER & specialist care
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Surgery & hospitalization
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Behavioral therapy
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Alternative therapies & rehabilitation
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Dental illness up to $1,000/year (Available in most states.)
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Prescription medications (Available in most states.)
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Prosthetic limbs, devices, & mobility aids
Begal looking at copy 

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:

checkmark-dark
Exam & consultation fees
checkmark-dark
Cancer treatments
checkmark-dark
Diagnostic testing
checkmark-dark
ER & specialist care
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Surgery & hospitalization
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Behavioral therapy
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Alternative therapies & rehabilitation
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Dental illness up to $1,000/year (Available in most states.)
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Prescription medications (Optional in some states.)
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Prosthetic limbs, devices, & mobility aids

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.

See Coverage Details

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.

See Coverage Details

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.
Three corgis in a line 
checkmark-dark 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. checkmark-dark 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. checkmark-dark Alternative Therapies Sometimes less traditional medicine is just what the doctor ordered. Embrace includes alternative therapy coverage on every accident and illness insurance policy.
checkmark-dark 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. checkmark-dark 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. checkmark-dark 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.



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.
Three corgis in a line 
checkmark-dark 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. checkmark-dark 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. checkmark-dark Alternative Therapies Sometimes less traditional medicine is just what the doctor ordered. Embrace includes alternative therapy coverage on every accident and illness insurance policy.
checkmark-dark 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. checkmark-dark 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. checkmark-dark 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.



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.
Three corgis in a line 
checkmark-dark 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.
checkmark-dark 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.
checkmark-dark 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.
checkmark-dark 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.
checkmark-dark Alternative Therapies Sometimes less traditional medicine is just what the doctor ordered. Embrace includes alternative therapy coverage on every accident and illness insurance policy.
checkmark-dark 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.


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
flea-icon Flea, tick, & heartworm preventatives
tooth-icon Teeth cleaning
nutritional-icon  Nutritional supplements

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

Ready to protect your pet?

 

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.

puppy golden retriever 

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 

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.

senior golden retriever with birthday cake 

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.
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Breed Part of your payment is based on your dog’s breed. Certain breeds are prone to different genetic conditions and the premium reflects that.
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Age Aging pets are more susceptible to injuries and illnesses, making them more expensive to insure due to increased risk.
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Location Because veterinary rates vary based on location, that’s something that pet insurance companies consider when determining your payment.
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YOU CHOOSE 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.
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YOU CHOOSE Reimbursement Embrace reimburses based on a direct percentage of the vet bill. The lower your reimbursement percentage, the lower your premium payment.
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YOU CHOOSE 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.
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Breed
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Age
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Location
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YOU CHOOSE Annual Deductible
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YOU CHOOSE Reimbursement
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YOU CHOOSE Annual Maximum
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Policy Perks & Discounts

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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.
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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

Policy Perks & Discounts

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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 regultions and may vary by state. Visit our Discounts page for details.
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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.

 

one-icon 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.
two-iconSubmit 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. 
three-icon 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

Photo of animal
Claim

$1,167

$1,558

Lyla

Puppy Suffers from Grape Intoxication

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Claim

$3,961

$5,550

Heidi

Cruciate Ligament Tear in Bernese Mountain Dog

Photo of animal
Claim

$7,224

$8,527

Boomer

Golden Retriever Hit By Car

Photo of animal
Claim

$2,839

$4,580

Marbles

Hip Dysplasia Managed with Alternative Therapies

Lyla
Puppy Suffers from Grape Intoxication
Vet bill: $1,558
Embrace Paid $1,167
Heidi
Cruciate Ligament Tear in Bernese Mountain Dog
Vet bill: $5,550
Embrace Paid $3,961
Boomer
Golden Retriever Hit By Car
Vet bill: $8,527
Embrace Paid $7,224
Marbles
Hip Dysplasia Managed with Alternative Therapies
Vet bill: $4,580
Embrace Paid $2,839
Mind if we pay your vet bills?

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Copyright 2005-2019

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. © 2019 American Modern Insurance Group, Inc.  + Wellness Rewards not available in Rhode Island after 1/1/20