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Puppy Insurance From Embrace

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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
learn more

Insurance Coverage for Shelter Dogs and Puppies

  • 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

Puppy covered by accident and illness pet insurance 
Sign up for Pet Insurance
Jan 01

Enroll in an accident and illness puppy insurance policy plus Wellness Rewards from Embrace.

Lab puppy during pet insurance waiting period 
Waiting Period Ends
Jan 14

You're through the waiting periods for accidents and illnesses - phew!

Lab puppy with routine wellness expenses covered 
Puppy Boosters & Exam
Feb 27

Vaccinations and check-up visit reimbursed via Wellness Rewards.

Lab Puppy Standing by Woman in Shoes 
False Alarm
Mar 09

Naughty puppy eats chocolate but PawSupport says a vet visit is not needed.

Lab puppy's neuter surgery reimbursed by preventative care plan 
Neuter Surgery
Aug 14

Wellness claim for a neuter surgery including anesthesia.

X-ray of Dog with Broken Leg that is covered by puppy insurance 
First Insurance Claim
Oct 02

Broken leg requires $2,500 surgery and ample recovery time - covered by Embrace.

Lab Puppy's recheck covered by insurance 
Recheck Prior Accident
Dec 07

X-rays show prior broken leg is all headed - also covered by Embrace puppy insurance.

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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Phone (800) 511-9172 or Fax (800) 238-1042

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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. © 2020 American Modern Insurance Group, Inc.  + Wellness Rewards not available in Rhode Island.