Dog insurance coverage
Protect yourself from costly vet bills with the right dog health insurance plan.
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
Procedures & treatments
Emergency & specialty care
Surgery & hospitalization
Follow-up care, including rehabilitation
Prosthetic limbs, devices, & mobility aids
Dental illness up to $1,000/year
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, and breeding.
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.
Wellness Rewards reimburses for:
Grooming & nail trims
Flea, tick & heartworm preventatives
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.
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.
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.
Certain dog breeds are prone to different genetic conditions and the premium reflects that.
Aging pets are at higher risk and cost more to insure since they are more susceptible to injuries and illnesses.
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.
We offer a few different deductible options. Choosing a higher deductible plan allows you to pay less for your pet insurance.
When your pet 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.
Big dogs mean bigger vet bills, so we recommend picking this based on your dog’s needs and size.
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 pet’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 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 experience claims stories
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.
Vet Bill: $23,214
Vet Bill: $17,945
Vet Bill: $15,374
Vet Bill: $15,233
Vet Bill: $13,722
Vet Bill: $13,137