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, breeding, and pregnancy.
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:
Grooming & nail trims
Flea, tick & heartworm preventatives
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.
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.
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.
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 cat’s insurance.
When your cat 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.
While you can get a great deal with your regular policy, there is always an opportunity to save more. Policyholders may be eligible for multi-pet and military discounts*. Multi-pet policies are eligible for 10% off, while military members can enjoy 5% off.
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
We love to see healthy cats and satisfied pet parents. That’s why we’re happy to offer a $50 deductible reduction for each year you do not receive a claim reimbursement. Learn more about the Healthy Pet Deductible.
Learn more about the Healthy Pet Deductible.
Choose Any Vet
Any licensed vet is eligible under Embrace coverage. We’ll cover your cat’s dental work, regular checkups, emergency visits, and more. Visit our FAQ for additional coverage inquiries.
Submit a Claim
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.
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
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
Vet Bill: $15,233
Embrace Paid: $11,426.21