Dog sitting on rock getting kissed

Dog Insurance From Embrace

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What Embrace’s 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
  • Cancer Treatments
  • Diagnostic Testing
  • ER & Specialist Care
  • Surgery & Hospitalization
  • Behavioral Therapy
  • Alternative Therapies & Rehabilitation
  • Prosthetic Limbs, Devices, & Mobility Aids
  • Dental Illness up to $1,000/year 
  • Prescription Medications 

What’s Not Covered

No pet insurance 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.

Begal smiling

Embrace Leads the Pet Insurance Pack

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

Exam Fees 
It can cost $100 or more to be seen by the vet. Accident and illness exam fee coverage is included on every policy.

Alternative Therapies
Sometimes vets recommend less traditional medicine. Embrace includes alternative therapy coverage on every policy.

Dental Coverage 
Dogs may chew tough bones, but their teeth aren’t indestructible – Embrace covers dental illness (up to $1,000/year) and accidents.

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

Ready to protect your pet?

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

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.


Pet 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

Pet 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.


Pet 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 insurance policy that fits every budget.

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.

Annual Deductible

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.

Annual Maximum

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

Policy Perks & Discounts


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.

diminishing deductible-icon

Submitting Claims is Easy

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. Submitting is a breeze.


Visit Any Vet

Regular vet, emergency, specialist, rehabilitation center – you name it. Embrace covers your dog’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.


Get reimbursed!

Check the status of your claim online anytime, anywhere. Approved claims are reimbursed by check or direct deposit.

dog claim story

Dog Toy Caused Major Problems for Dalmatian
Vet Bills: $8,224 | Embrace Reimbursed: $6,695

Beqa suffered from pancreatitis that was worsened by a severe blockage of some remaining plastic from a toy. Her pet parent was willing to do what it took to make her fur baby well.

“I was grateful to have Embrace through all of this… Now Beqa is back to her normal self: happy, wild, playful.”  -Donna M., Beqa’s Pet Parent

Mind if we pay your vet bills?

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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.