Pet Insurance for Dogs

Embrace Pet Insurance provides one of the most comprehensive and easy-to-understand pet health insurance plans 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, and veterinary treatments. There is even coverage availalbe for prescriptions and exam fees if you choose to add them to your plan. 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. 

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. 

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.

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.

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. 

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 and treatment-free.

Routine screenings and preventative care are not typically covered under dog insurance. However, Wellness Rewards is Embrace’s membership program that serves as a budgeting 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. 

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.

At Embrace, we offer several types of dog insurance plans. These range from the most comprehensive coverage for accidents and illnesses to 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.

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

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.