Dog Insurance Coverage

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.

Need help? Call us at (800) 779-1539

What Our Dog Insurance Plan Includes

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

  • Diagnostic Tests

  • Procedures & Treatments

  • Emergency & Specialty Care

  • Surgery & Hospitalization

  • Behavioral Therapy

  • Follow-up Care, including Rehabilitation

  • Prosthetic Limbs, Devices, & Mobility Aids

  • Dental Illness up to $1,000/year 

  • Prescription Medications 

Belgian Malinois dog with its tongue out

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.

Embrace Leads the Dog Insurance Pack

When shopping for insurance for dogs, pick a plan that doesn’t leave gaps in coverage. See how Embrace’s dog insurance compares to the competition. 

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PawSupport – Our 24/7 Pet Health Line

Need advice on your cat’s diet? Wondering if a symptom is vet-worthy? Reach out to our responsive team of experts at PawSupport any time of the day or night for emergencies and questions alike.

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Pet Insurance’s Best Diminishing Deductible

Wave goodbye to your deductible because each year you don't receive a claim payment, we decrease it by $50.

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Fair Assessments

We cover curable pre-existing conditions once your pet is free of symptoms for 12 months. We make this distinction because we believe in fair assessments and want the best for your favorite feline.

Our Customers Think We Offer the Best Pet Insurance for Dogs

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:

  • Wellness exams

  • Spay/neuter surgery

  • Grooming & nail trims

  • Teeth cleaning

  • Nutritional supplements

  • Flea, tick & heartworm preventatives

Ready to protect your dog? Call (800) 779-1539

M-F: 9 am-8 pm ET

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.

Golden Retriever Puppy

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.

Adult Golden Retriever

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.

Senior Golden Retriever with a Birthday Hat and Cake

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.

How Your Dog Insurance Plan is Built

Some factors that determine pet insurance plan cost can’t be changed. But Embrace lets you customize other elements to build the best dog health insurance policy that fits every budget.

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Certain dog breeds are prone to different genetic conditions and the premium reflects that.

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Aging pets are at higher risk and cost more to insure since they are more susceptible to injuries and illnesses.

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Veterinary rates change based on where you live. We take location into account to give you the best deal possible, as this will affect what you pay for your plan.

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Annual Deductible

You Choose

We offer a few different deductible options. Choosing a higher deductible plan allows you to pay less for your cat’s insurance.

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You Choose

When your cat goes to the vet, we reimburse a percentage of what you paid for care. If you choose an insurance plan with a lower reimbursement percentage, your insurance payment will be smaller.

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Annual Maximum

You Choose

Big dogs mean bigger vet bills, so we recommend picking this based on your dog’s needs and size.

Save on Your Dog Insurance Plan with Perks and Discounts

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While you can get a great deal with your regular policy, there is always an opportunity to save more. Policyholders may be eligible for multi-pet and military discounts*. Multi-pet policies are eligible for 10% off, while military members can enjoy 5% off.

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

We love to see healthy cats and satisfied pet parents. That’s why we’re happy to offer a $50 deductible reduction for each year you do not receive a claim reimbursement. Learn more about the Healthy Pet Deductible.

Learn more about the Healthy Pet Deductible.

How to Submit a Claim

The claim process for an accident or illness is a simple and speedy one. You’ll be ready for reimbursement after a short waiting period. Or, claim Wellness Rewards from the first day of your policy. Here’s how to submit:


Choose Any Vet

Any licensed vet is eligible under Embrace coverage. We’ll cover your cat’s dental work, regular checkups, emergency visits, and more. Visit our FAQ for additional coverage inquiries.


Submit a Claim

We accept invoices submitted through MyEmbrace online, our Pet Insurance Mobile App, or by email, fax, or mail. You’ll receive an email to confirm we received your claim.

While you wait for confirmation and reimbursement, our support team is here to answer your questions.


Get Reimbursed

Get paid fast when you sign up for direct deposit reimbursement. Claims take an average 10-15 days to process. We’ll update you online on your claim status throughout the process.

Dog Insurance Cost Experiences

No one can predict the unexpected, so having pet insurance coverage you can count on makes all the difference in the world. But don’t take our word for it, check out what our policyholders have to say.

French Bulldog Paralyzed By Fibrocartilaginous Embolism

Henry Tulloch - French Bulldog

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

Rocky Mountain Spotted Fever in Cocker Spaniel

Ori - Cocker Spaniel

Vet Bill: $15,233

Embrace Paid: $11,426.21

Frequently Asked Questions About Pet Insurance for Dogs