Dog insurance coverage

Protect yourself from costly vet bills with the right dog health insurance plan.

What our dog insurance plan includes

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

Diagnostic tests

Procedures & treatments

Emergency & specialty care

Surgery & hospitalization

Behavioral therapy

Follow-up care, including rehabilitation

Prosthetic limbs, devices, & mobility aids

Dental illness up to $1,000/year 

Prescription medications 

Get Your Custom Dog Insurance Quote Now

Call (800) 779-1539

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, and breeding.

Embrace leads the dog insurance pack

When shopping for insurance for dogs, pick a plan that doesn’t leave gaps in coverage. See how Embrace’s dog insurance compares to the competition.

PawSupport 24/7 pet health line

Need advice on your pet’s diet? Wondering if a symptom is vet-worthy? Reach out to our responsive team of experts at PawSupport any time of the day or night for emergencies and questions alike.

Exam fee coverage

Many pet insurance companies don’t cover the cost of the exam fee – that’s like having to pay an extra deductible for every claim. Embrace covers the exam fee for all covered accidents and illnesses.

Personalize your dog's policy

Get the same great nose-to-tail accident and illness insurance no matter how you personalize it. Pick your annual maximum, annual deductible, and reimbursement percentage to fit your dog's needs and budget.

Our customers think we offer the best pet insurance for dogs

Ready to protect your dog?

Call (800) 779-1539

Wellness Rewards for routine care

Our accident and illness insurance covers your dog’s unexpected vet bills. For everything else, there’s Wellness Rewards, Embrace’s flexible routine care plan that reimburses for everyday veterinary, training, and grooming costs.

For a full pet wellness plan breakdown, visit our Wellness Rewards page.

Wellness Rewards reimburses for:

Wellness exams

Spay/neuter surgery

Grooming & nail trims

Teeth cleaning

Nutritional supplements

Flea, tick & heartworm preventatives

Health insurance for dogs of all ages

Whether you’ve just picked up your puppy from the breeder or rescued an older dog, Embrace Pet Insurance has you covered.

Puppies

Our accident and illness insurance covers puppies as young as six weeks old to ensure their shenanigans won’t break the bank.

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.

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.

How your dog insurance plan is built

Some factors that determine pet insurance plan cost can’t be changed. But Embrace lets you customize other elements to build the best dog health insurance policy that fits every budget.

Breed

Certain dog breeds are prone to different genetic conditions and the premium reflects that.

Age

Aging pets are at higher risk and cost more to insure since they are more susceptible to injuries and illnesses.

Location

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.

You choose

Annual Deductible

We offer a few different deductible options. Choosing a higher deductible plan allows you to pay less for your pet insurance.

You choose

Reimbursement

When your pet 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.

You choose

Annual Maximum

Big dogs mean bigger vet bills, so we recommend picking this based on your dog’s needs and size.

How to submit a claim

The claim process for an accident or illness is a simple and speedy one. Also, claim Wellness Rewards from the first day of your policy. Here’s how to submit:

Choose any vet

Any licensed vet is eligible under Embrace coverage. We’ll cover your pet’s dental work, regular checkups, emergency visits, and more. Visit our FAQ for additional coverage inquiries.

Submit a claim

We accept invoices submitted through MyEmbrace online, our Pet Insurance Mobile App, or by email, fax, or mail. You’ll receive an email to confirm we received your claim.

While you wait for confirmation and reimbursement, our support team is here to answer your questions.

Get reimbursed

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.

Dog experience claims stories

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.

Vet Bill: $23,214

Vet Bill: $17,945

Vet Bill: $15,374

Vet Bill: $15,233

Vet Bill: $13,722

Vet Bill: $13,137

Frequently asked questions about pet insurance for dogs

What does dog insurance cover?

Embrace Pet Insurance covers your dog for unexpected accidents, illness, and chronic conditions plus associated costs including surgery, hospitalization, emergency care, specialist care, diagnostic testing, prescription drugs, treatments, and more. Coverage can vary from insurer to insurer, so it’s best to research and compare pet insurance.

NOTE: No pet insurance company covers pre-existing conditions, including Embrace.

Do I need dog insurance?

According to CanineJournal.com, 95% of U.S. pet parents consider their pets to be family members. A pet accident or illness can cost thousands of dollars in vet bills. Embrace Pet Insurance can help minimize the financial aspect and base your decisions on what is right for your dog. It’s better to pay a small premium for even a basic policy to help get your dog the care they need.

Is my dog too old for insurance?

Aging dogs are a higher risk for any insurance provider and cost more to insure since they are more susceptible to injuries and illness. Insurers like Embrace Pet Insurance, offers full accident and illness coverage for dogs up to 15 years old, and accident-only plans for dogs over 15 years of age.

How much does dog insurance cost?

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. Insurers like Embrace Pet Insurance, allow you to personalize parts of your policy so you can get the best plan for your dog’s needs and your budget. Learn more about our pricing options.

Can I use any vet with my dog health insurance plan?

Unlike health insurance for people, pet insurance companies like Embrace Pet Insurance, have no networks and let you choose your vet. Embrace works on a reimbursement method, so you pay the vet directly, submit your claim, and Embrace will pay you back. You can visit any veterinarian, specialist, or emergency hospital you like.

When is the best time to get dog insurance?

In general, the younger your dog is, the less likely they will have pre-existing conditions or health concerns when enrolled.

Is routine care covered?

Pet insurance is for the unexpected, so for the most part, accident and illness policies don’t cover preventative or routine care costs. However, Embrace Pet Insurance offers Wellness Rewards, a flexible preventative care plan for your dog that reimburses for everyday veterinary, training, grooming costs, and more. It works like a health savings account, helping you budget for your dog’s routine care expenses.

Can I get dog insurance for my rescued dog without knowing their medical history?

Every company is different, but with Embrace Pet Insurance you can insure an adopted or rescued dog without knowing its medical background. You are just required to have a vet exam prior to your coverage beginning in order to establish a medical history.

Does dog insurance cover pre-existing conditions?

No pet insurance company covers pre-existing conditions. However, Embrace Pet Insurance 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 free.

What is an accident only policy?

Accident-only policies basically cover sudden physical injuries and not illnesses. In some cases, dogs may have certain pre-existing conditions or be too old to be covered by standard accident and illness pet insurance policies. These dogs can benefit from Embrace Pet Insurance’s accident-only insurance coverage.

Can I change my pet insurance policy at any time?

Companies and policies vary, but with Embrace Pet Insurance you can adjust your policy at any time by downgrading your coverage which could include lowering your reimbursement percentage and increasing your annual deductible, or upgrading to include enhanced coverage. By upgrading, your policy would be subject to re-underwriting which is basically like getting a new policy.

Ready to protect your furry friend?

Call (800) 779-1539

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Copyright 2005—2024 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. © 2024 American Modern Insurance Group, Inc.