Dog Insurance

Covers accidents, illnesses, and dental issues at any licensed vet - with up to 90% back. 

  • Accidents, illnesses & dental coverage 

  • Use any licensed vet nationwide 

  • Up to 90% reimbursement 

Embrace Dog Insurance Helps Cover Vet Bills When Your Dog Needs You Most

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Any Vet, Anywhere

Pet insurance for dogs with no network restrictions. Visit any licensed vet nationwide.

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Up to 90% Back

Choose your reimbursement level. Get up to 90% back on eligible vet bills.

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No Penalty for Claims

Your rate won't increase just because you file a claim. 

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Fast & Simple

Submit claims online. Get paid by direct deposit in days, not weeks.

How Pet Insurance for Dogs Works

Dog insurance turns unexpected vet bills into manageable monthly payments. Whether you need puppy insurance for your new best friend or coverage for your adult dog, Embrace helps you say "yes" to the care they need. Customize your pet insurance plan with your choice of deductible, reimbursement, and annual limit. Dog health insurance that actually works when you need it. 

How Much Does Dog Insurance Cost?

Your price depends on your dog's breed, age, and location, plus these coverage choices: 

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

Deductible

A higher deductible = a lower monthly premium 

Reimbursement

Choose 70%, 80%, or 90% back

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Annual limit

$5,000 to unlimited coverage options 

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Optional add-ons

Choose to cover exam fees and prescriptions

Dog Insurance Cost

Most of our Embrace dog parents pay between $20 to $70 per month, but here are some real monthly prices from around the country: 

BreedAgeStateZipEstimated Premium
Chihuahua6 monthsTulsa, Oklahoma74103starts from $10.67
Maltese2 yearsBoise, Idaho83702starts from $18.70
Border Collie5 yearsSpokane, Washington99201starts from $28.66
Yorkshire Terrier1 yearMadison, Wisconsin53703starts from $18.03
Goldendoodle7 yearsBaton Rouge, Louisiana70802starts from $32.23
Papillon3 yearsTulsa, OK74103starts from $13.81
English Springer Spaniel2 monthsBoise, ID83702starts from $19.17
Miniature Aussie Shepher10 monthsSpokane, WA 99201starts from $23.33
Bichon Frise4 yearsMadison, WI53703 starts from $29.28
Shih Tzu7 weeksBaton Rouge, LA70802starts from $15.80

*Information is from quotes for a male dog with a 70% reimbursement and a $5,000 annual limit from 2025.

Pet Insurance for Dogs: What's Covered

Embrace covers the unexpected accidents and illnesses that can happen throughout your dog's life

  • checkmark icon used as a list bulletDiagnostics & imaging (X-rays, ultrasound, MRI)
  • checkmark icon used as a list bulletHospitalization, surgery & ER/specialty care
  • checkmark icon used as a list bulletDental illnesses up to $1,000/year
  • checkmark icon used as a list bulletBehavioral therapy & rehabilitation (if included by policy)
  • checkmark icon used as a list bulletWith options to cover prescription medications & exam-fees

We cover a lot, but find out about what’s not covered here

How Much Dog Insurance Do I Need?

The right pet insurance balances your monthly premium with what you can afford for unexpected vet bills. With vet bills rising rapidly across the US, make sure you know what you need to be ready for!

Real Costs of Common Vet Emergencies for Dogs Across the US:

Here are some numbers for what real Embrace dog parents are paying in 2025 for their pet care:

Vet ServiceCaliforniaNew YorkFloridaTexas
Intestinal Obstruction$3,229$3,589$2,644$2,392
Foreign Body Removal$1,804$1,982$1,326$1,761
Pneumonia$1,085$1,256$1,072$1,055
Car Accident$1,155$2,563$1,590$490

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How Claims Work (3 Simple Steps)

Step 1

Visit any licensed vet

Step 2

Submit online through MyEmbrace (portal or app)

Step 3

Get reimbursed quickly by direct deposit or check

See How Embrace Compares

Not all dog insurance works the same way. Here's what makes Embrace different from other providers. 

Flexible Wellness Plan
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Per-Item Limits

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Dental Illness Coverage
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Extra Office Visits for Senior Pets
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Hip Dysplasia Coverage on All Accident & Illness Policies
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Preventable Condition Coverage Included
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24/7 Pet Telehealth
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Why Dog Parents Choose Embrace

Finding the best dog insurance means more than just price. Here's why pet parents trust us: 

  • checkmark icon used as a list bullet500,000+ pets protected and counting
  • checkmark icon used as a list bullet24/7 pet advice with PawSupport
  • checkmark icon used as a list bulletAny licensed vet in the U.S.
  • checkmark icon used as a list bulletFast, simple claims with direct deposit

Finding the best dog insurance means more than just price. Here's why pet parents trust us: 

Puppies, Adults & Seniors

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

Start puppy insurance early to lock in lower rates and ensure maximum coverage. Any conditions that develop before the policy begins won't be covered, so earlier is always better.

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.

Adults

Steady protection through your dog's prime years with flexible plan options. Adjust your deductible, reimbursement, and annual limit as needs change. 

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.

Seniors

Coverage for life. If you're already enrolled, your full plan continues as your dog ages. New policies for dogs 15+ are accident-only. 

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Routine Care: The Smart Way to Manage Pet Health Costs

Annual exams, vaccines, parasite control, and dental cleanings all work together to spot health issues early—long before they become painful for your pet or expensive for you. Planning preventive care turns “I’ll get to it” tasks into an intentional, year-round habit that protects both your pet’s health and your budget.

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Early detection, better outcomes

Minor problems are easier—and far less costly—to treat when found early.

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Predictable annual costs

A flexible pet wellness plan helps prevent surprise bills from piling up.

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Lifelong peace of mind

A routine care plan can help keep pets healthier at every age.

Dog Insurance FAQs

What's the difference between dog insurance and pet insurance?

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These terms are used interchangeably. Pet insurance for dogs is simply called dog insurance—both describe policies that reimburse you for eligible veterinary care at any licensed vet. When searching for the best pet insurance for dogs, you'll want coverage that includes accidents, illnesses, and ideally dental issues, all while letting you visit any licensed veterinarian nationwide. 

How do I find the best dog insurance for my pet?

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The best dog insurance balances comprehensive coverage with affordable pricing. Look for insurance for dogs that covers accidents, illnesses, and dental problems, offers flexible reimbursement options up to 90%, and works at any licensed vet. Compare pet insurance plans based on your dog's age, breed, and your budget. Embrace offers customizable coverage so you can build the right plan for your specific needs. 

What's Not Covered by Dog Insurance?

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Does dog insurance cover pre-existing conditions?

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No, pre-existing conditions are generally not covered by dog health insurance. That's why starting puppy insurance or enrolling your adult dog before issues develop provides the most comprehensive protection. Embrace reviews medical history during enrollment to identify pre-existing conditions. See our definitions for what qualifies as pre-existing and how temporary conditions may be reconsidered. 

How much does dog insurance cost per month?

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Most Embrace pet parents pay between $20-70 monthly, though your specific rate depends on several factors. Your dog's breed, age, and your ZIP code all affect pricing for pet insurance for dogs. The coverage options you choose (deductible, reimbursement percentage up to 90%, and annual limit) also impact your premium. Puppy insurance often costs less than coverage for older dogs. Get a personalized quote online in minutes to see exact pricing. 

Is dog insurance worth it for older dogs?

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Yes, older dogs often need more veterinary care, making dog health insurance valuable for managing costs. While new policies for dogs 15+ are accident-only coverage, accidents are actually a leading cause of vet visits for senior pets. If your dog is approaching 15, enrolling in comprehensive insurance for dogs now ensures coverage continues through their golden years. Once enrolled, your coverage doesn't downgrade as your dog ages. 

Do all vets accept pet insurance?

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Yes, dog insurance from Embrace works at any licensed veterinarian, emergency clinic, or specialist nationwide. Unlike human health insurance, pet insurance plans don't have networks. You pay your vet directly at the time of service, submit your claim through our app or online portal, and we reimburse you for covered expenses according to your plan's terms. This flexibility is what makes it some of the best pet insurance for dogs. 

Are there age or breed restrictions for dog insurance?

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Embrace pet insurance for dogs covers all breeds, from Chihuahuas to Great Danes, including mixed breeds. There are no breed restrictions or breed-specific exclusions in our dog insurance plans. For age, dogs under 15 can enroll in full accident and illness coverage. Dogs 15 and older are eligible for accident-only plans on new policies, which still provides valuable protection. 

When does coverage start after I buy dog insurance?

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Dog health insurance coverage begins after short waiting period- 14 days for illnesses, while accident coverage starts on your policy's effective date, which you’ll receive when you sign up. These waiting periods prevent fraud and keep insurance for dogs affordable for everyone. Orthopedic conditions may have extended waiting periods. Read more here. Check your policy documents for specific waiting periods in your state.

Can I use dog insurance immediately for emergencies?

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As soon as your policy effective date arrives, yes. Your dog insurance covers emergency and urgent care visits just like any other eligible veterinary expense. This includes emergency surgeries, overnight hospitalization, and specialty care. Keep all receipts and medical records for claim submission.