Dog Insurance From Embrace

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 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. 

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PawSupport – Our 24/7 Pet Health Line

Our exclusive pet health line provides real-time guidance on everything from emergency care to diet and exercise. Just another way we’re there for you.

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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 Evaluation of Pre-existing Conditions

While no pet insurance covers pre-existing conditions, we distinguish between curable and incurable, covering curable ones after your pet is symptom-free for 12 months.

Our Customers Think We Offer The Best Dog Insurance In Show

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

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

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Veterinary rates vary based on location, so pet insurance companies consider that in your payment.

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Annual Deductible

You Choose

Pick from several annual deductible options. The higher the deductible you choose, the lower your pet insurance payment will be.

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You Choose

We reimburse a direct percentage of the vet bill. The lower the percentage, the less your payment.

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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.

Policy Perks & Discounts

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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.

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Healthy Pet Deductible

For every year you don’t receive a claim reimbursement, we’ll reduce your deductible by $50 the next year.

Learn more about the Healthy Pet Deductible.

Submitting Claims Is As Easy As One-Two-Three!

We make getting reimbursed as fast and simple as possible! Accident and illness claims are eligible for coverage after short waiting periods. Claim Wellness Rewards from the first day of your policy. Here’s how to submit:


Visit Any Vet!

You can always take your cat to the licensed vet you trust. We cover everything from checkups and dental to emergency visit, specialists, and rehabilitation.


Submit Your Claim!

Upload your invoice through MyEmbrace online or our Pet Insurance Mobile App. Or, send it to us by email, fax, or mail. Our support team is here to help.


Get Paid!

Once your claim is approved, you can get direct deposit within three days. We process most claims in two weeks. And, you can check for updates anytime online.

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 Dog Insurance