Pet Insurance for Dogs

Our dog insurance plans offer up to 90% cash back on veterinarian visits, with exam fees for accidents and illnesses covered.

Is Dog Health Insurance Worth It?

Veterinary care costs are rising — from everyday illnesses to unpredictable injuries, and without dog insurance, these expenses can strain your finances.

On average, vet costs can range from $410 to $5,000 or more to treat serious conditions and injuries.

At Embrace Pet Insurance, it’s our duty to make sure you don’t have to choose between saving money or saving your beloved pet. We offer nose-to-tail pet health insurance for dogs that covers things from common illnesses to unexpected accidents so you can select the best pet insurance plan for your pet’s needs and your finances.

Dog Pet Insurance: What’s Covered

We’re pet parents like you, and so we know how important your dog is to the family. That’s why we offer comprehensive protection that covers breed-specific, congenital, and chronic conditions, and their associated costs, including

  • checkmark icon used as a list bulletExam and consultation fees
  • checkmark icon used as a list bulletDiagnostic tests
  • checkmark icon used as a list bulletProcedures and treatments
  • checkmark icon used as a list bulletEmergency and specialty care
  • checkmark icon used as a list bulletSurgery and hospitalization
  • checkmark icon used as a list bulletBehavioral therapy
  • checkmark icon used as a list bulletFollow-up care, including rehabilitation
  • checkmark icon used as a list bulletProsthetic limbs, devices, and mobility aids
  • checkmark icon used as a list bulletDental illnesses up to $1,000/year
  • checkmark icon used as a list bulletPet prescription medications

Embrace dog insurance plans include customizable annual limits, annual deductibles, and unlimited vet visits for your furry companion.

What’s Not Covered by Embrace Dog Insurance

We believe in full transparency with our dog insurance, so we make our coverage as easy to understand as possible. For a complete list of what’s excluded,

Click here for coverage details.

How We Build Your Dog Pet Insurance Plan

Our dog insurance plans are customized to fit your pet’s needs and budget.

Empty wallet with sad face, symbolizing financial strain from unexpected pet medical costs. Pet insurance helps protect against these expenses.

Annual Deductible

You choose your deductible. Selecting a higher deductible option allows you to pay less for your dog pet insurance.

An icon of a calculator, symbolizing the calculation of reimbursement costs.

Reimbursement

Get up to 90% money back on your vet expenses. Your payment will be smaller if you pick a dog insurance plan with a lower reimbursement

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Annual Maximum

Bigger dogs could mean bigger vet bills, so we recommend choosing an annual maximum based on your dog’s needs and size.

How to Use your Dog Insurance Like a Pro

No head scratches or tail spinning are necessary for our dog insurance plans. We make it easy to provide your pet with the care they need while helping you get money back on eligible vet bills, delivering financial peace of mind during life’s unexpected moments.

Green circular icon with number 1, representing step one of using your dog insurance like a pro in getting a dog insurance coverage for your pet.

Go to your vet

Dog pet insurance from Embrace allows you to visit any licensed veterinarian or specialist in the country. Pay your vet directly and get a receipt.

Green circular icon with number 2, representing step two of using your dog insurance like a pro in getting a dog insurance coverage for your pet.

Submit a claim online

Answer a few simple questions in the MyEmbrace portal or Embrace Pet Insurance mobile app. You can also email or fax us your claim information.

Green circular icon with number 3, representing step three of using your dog insurance like a pro in getting a dog insurance coverage for your pet.

Get money back

We leverage the power of AI for lightning-fast claims payouts. This means you get paid quickly for covered vet expenses by direct deposit or check.

Perks that Make Dog Parenting More Rewarding

We partner with your favorite pet brands to give you special discounts on daily dog essentials, treats, toys, and more.

An icon of a percentage symbolizing the percentage of costs that a pet owner could save from reimbursement.

Exclusive member-only deals

An icon of a money bag with a dollar sign, symbolizing the financial savings and reimbursement benefits of dog insurance coverage.

$25 rewards bonus for preventative care

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Pet wellness tips delivered to your inbox

Dog Health Insurance for Puppies, Adults, and Senior Dogs

From their first bark to enjoying the golden years, Embrace offers customizable pet health insurance for dogs at every life stage.

A puppy happily cradled by its owner knowing that it is set for life, with a dog insurance coverage set in plan just for him.

Puppies

Whether eating socks or getting into thorny bushes, puppies need a lot of vet care. Our dog insurance covers puppies as young as six weeks old to help ensure their shenanigans won’t break the bank.

A dashingly happy brown adult dog with a fluffy coat and pink tongue out, looks like it is taking its selfie while standing in a park with trees and people in the background.

Adult Dogs

Adult dogs are older and wiser, but they can still find trouble. Embrace dog pet insurance helps provide financial relief for any accidents or illnesses life might toss at your furry companion.

Close-up of a senior Jack Russell terrier's face, showcasing its endearing expression with soulful eyes and graying fur, highlighting the importance of insurance coverage for aging dogs.

Senior Dogs

Our dog health insurance covers common ailments that affect older dogs, including chronic conditions and mobility issues. We welcome senior dogs up to 15 years old with an accident-only pet insurance plan.

Dog Parent Reviews

Dog parents say the nicest things about Embrace. Check out honest reviews from real customers about our dog insurance plans.

Embrace Leads the Dog Insurance Pack

Dog tested. Pet parent approved. Embrace provides coverage to more than 500,000 tail-wagging pets across the country. We pride ourselves on delivering peace of mind with straightforward dog insurance plans, lightning-fast claims payouts, 24/7 on-demand telehealth support, and Wellness Rewards for preventative care.     We give dog parents what they really need:

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Simple Dog Insurance Plans

Straightforward, easy-to-understand pet health insurance for dogs with no hidden surprises. With lightning-fast claims payouts, focus on your pet’s health without financial worries.

An icon of a briefcase, with the symbol of health, signifying the importance of getting a dog insurance for future vet fees.

Unlimited Vet Visits

With Embrace dog health insurance, visit any vet or service provider in the U.S. with no limitations. Whether it’s a trip to the vet or an emergency service, your furry friend is covered.

Icon of a medical clipboard with a cross and checklist, representing dog insurance coverage for veterinary exam fees

Exam Fee Coverage

Most pet insurance companies don’t cover exam fees — that’s like paying an extra deductible for every claim. We cover the exam fee for all covered accidents and illnesses.

Speech bubble icon with a paw print, representing 24/7 pet advice line for dog insurance customers.

24/7 Pet Advice Line

Get pet advice at any time of the day with PawSupport. Our pet professionals are available 24/7 via online video or text to help educate and guide pet parents.

Frequently Asked Questions About Pet Insurance for Dogs

What does dog insurance cover?

Embrace Pet Insurance provides comprehensive and easy-to-understand pet health insurance for dogs. Dog insurance plans offer financial protection from unexpected accidents, illnesses, chronic conditions, and associated costs, including surgeries, hospitalizations, emergency and specialist care, diagnostic testing, prescription drugs, veterinary treatments, and more. Coverage can vary from pet insurer, so it’s best to research and compare pet insurance plans.

Note: Pet insurance typically does not cover pre-existing conditions, including coverage offered by Embrace. 

Do I need dog pet insurance?

1 in 3 pets require emergency care every year. From common illnesses to catastrophic injuries, accidents and illnesses can happen at a moment’s notice and come at a high cost. Dog insurance helps alleviate the financial burden should your furry companion get sick or hurt. Embrace dog insurance plans offer up to 90% reimbursement on eligible veterinary costs, so you can get them the treatments and services they need to get better without financial worries. 

How much does dog health insurance cost?

Pet-based and policy-based factors determine the cost of dog insurance. Pet-based factors include your dog’s breed, gender, age, and even where you live. Policy-based factors include the deductible, reimbursement percentage, and other variable elements of your policy that affect your costs. Pet insurance providers like Embrace allow you to personalize parts of your policy to get the best plan for your dog’s needs and budget. Learn more about our pricing options.

When is the best time to purchase dog health insurance?

Enrolling your dog in a pet insurance plan as early as possible is a good idea before pre-existing conditions develop or your dog needs veterinary care that could limit coverage.

Are there age restrictions with dog health insurance?

No, Embrace offers full accident and illness health insurance for dogs up to 15 years old and accident-only dog insurance plans for dogs over 15. 

Does dog insurance cover pre-existing conditions?

Pet insurance typically doesn’t cover pre-existing conditions. This means any condition, injury, illness, or irregularity noticed by you or your veterinarian before your policy’s effective date is not eligible for reimbursement.

However, Embrace does distinguish between curable and incurable pre-existing conditions. For example, incurable pre-existing conditions include diabetes and allergies, whereas curable pre-existing conditions include ear infections and undiagnosed vomiting. Since these curable conditions may clear up, they could be covered moving forward if your dog goes 12 months symptom-free.

Is routine care covered?

Routine screenings and preventative care are not typically covered under dog insurance. However, Wellness Rewards is Embrace’s membership program that serves as a savings tool for routine screenings and preventative care treatments for your dog or puppy. It’s important to note that Wellness Rewards is not an insurance policy but is an optional add-on to our dog insurance plans that can be customized to fit your dog’s needs and budget. 

Can I keep my veterinarian when I sign up for dog pet insurance?

Yes, absolutely! Embrace policyholders can visit any licensed veterinarian in the U.S. This includes specialists and emergency clinics because, as pet parents, we understand not all accidents and illnesses occur between 9 a.m. and 5 p.m.

What are the different types of dog insurance plans available?

At Embrace, we offer several types of dog insurance plans. These range from comprehensive coverage for accidents and illnesses to an accident-only policy.

What is an accident-only policy?

An accident-only policy covers unexpected accidents and injuries, not illnesses. Sometimes, the dog may have certain pre-existing conditions or be too old to receive coverage from a standard accident and illness policy. Learn more about Embrace’s accident-only insurance plan.

Can I change my dog insurance policy at any time?

You can add or reduce your dog pet insurance policy at any time. However, increasing coverage will require a new underwriting review.  

Can I get dog insurance for my rescued dog without knowing their medical history?

Yes, Embrace allows you to insure an adopted or rescued dog without knowing its medical background. However, you must have a vet exam before your policy’s effective date to establish a medical history.