Accidents & Illnesses

Puppies are naturally curious and can get sick easier because of their underdeveloped immune systems. Protect them against costly accidents and illnesses by signing up for puppy insurance while they're young!

Embrace offers one comprehensive nose-to-tail policy for puppies and dogs. Once you Embrace your puppy, they're covered for life. There is no need to change your plan as your pet grows.

Accident & Illness Coverage

Routine Care Plan (Optional)

Puppies require several routine visits to the vet during their first year. Wellness Rewards is available in addition to Embrace's insurance coverage for dogs, and helps you budget for regular veterinary costs. We offer a $250, $450, or $650 annual allowance.

You can use it for check-ups, rabies vaccinations, microchipping, flea and tick medications, and other items not covered by insurance.

Wellness Rewards Details

Dependable Claims Payments

A customized health insurance policy for your puppy means getting the support and care that you need when you need it. From picking an insurance plan to submitting your first claim, we'll be here, ensuring your puppy is in the best hands.

See what actual Embrace policyholder have to say about their experiences when it came time to submit a big claim for their pet.

Embrace Customer Stories

No networks. Visit any vet. Our puppy health insurance coverage includes:

  • All illnesses & injuries
  • Vet-exam fees
  • Breed-specific conditions
  • Cancer treatment
  • Chronic conditions
  • Congenital conditions
  • Diagnostic testing & imaging
  • ER & specialist care
  • Surgery, hospitalization, & nursing care
  • Alternative therapies & rehabilitation
  • Prescription drugs (Optional in some states.)
  • Behavioral therapy
  • Prosthetic limbs, devices, & mobility aids
  • Dental illness up to $1,000/year (Available in most states.)
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Protecting Your Puppy or Dog with Embrace Pet Insurance

  • Calendar icon for Deductible Type
    When should I insure my puppy?
    The best time to insure your puppy is right after you bring them home. Embrace Pet Insurance insures puppies starting at 6 weeks of age.
  • Heart in Shield icon for What Is and Isn't Covered
    Insurance for Dogs
    Embrace is proud to protect dogs of all ages. Insure your dog against unexpected accidents and illnesses today.

Ready to protect your pet?

A Year in the Life of a Puppy Insurance Policyholder

We’re Proud of Our High Ratings

Frequently Asked Puppy-related Insurance Questions

Is my puppy covered for life?

Yes. Your puppy’s insurance will never be dropped or their health coverage reduced based on age, health status, or claims you’ve filed.

Are vet exam fees covered?

Yes. Sometimes just walking into the vet’s office can cost you upwards of $100. Many dog insurance companies do not cover your vet’s exam fee. When a pet insurance company doesn’t cover the exam fee, it’s almost like paying an extra deductible on every single claim you file.

How much coverage do I need?

Only you can decide how much health insurance coverage your puppy will need. We typically recommend getting the highest coverage that you can comfortably afford.

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Copyright 2005-2018

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.