Comprehensive coverage for dogs. Designed by dog experts.

Most Embrace dog parents pay $20-$70/month. Rates are influenced by factors such as your dog's age, breed, location, and coverage selections. Other rating considerations may also apply, varying by state and policy. Lower your cost with a higher deductible, 10% multi-pet discount, or 5% military discount. Get your exact price in about a minute with no commitment.

For most owners, yes. A single emergency can cost $3,000-$10,000+. Insurance spreads that risk into a monthly payment you can plan for. When your dog needs surgery at 2 AM, you want to say yes without checking your bank account first. Enroll while your dog is healthy to maximize coverage and avoid pre-existing condition exclusions.

Yes. Like most pet insurance, you pay your vet at the time of service, then submit a claim for reimbursement. Embrace pays 90%+ of claims within 10 days via direct deposit or check.

Pre-existing conditions are excluded across the industry. However, Embrace may cover certain curable conditions once a dog has been symptom-free and treatment-free for 12 consecutive months. Chronic conditions diagnosed before enrollment stay excluded, which is why enrolling early is the best approach.

Yes. Dental injuries are covered like any other injury. Dental illness (extractions, periodontal disease, fractured teeth) is covered up to $1,000/year. Routine cleanings are not covered.

Yes. Eligible hip dysplasia treatment is covered on Embrace accident and illness policies with no breed exclusions. Surgery, rehab therapies, medications, and diagnostics are all eligible. Enroll before symptoms develop to ensure coverage, since pre-existing conditions are excluded.

A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the applicable waiting period ends, your coverage kicks in. See waiting period details for your state.

No upper age limit. Puppies from 6 weeks and dogs up to 14 can enroll in accident and illness coverage. Dogs 15+ can enroll in accident-only coverage.