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Dog insurance

OverviewCat insuranceDog insurance

What is dog insurance?

This protection could help cover medical costs if your dog is sick or injured. Give your dog or puppy the protection they deserve with pet health insurance. Besides providing peace of mind, it’s quick and easy to use.

Why do I need pet insurance for my dog?

Pet insurance could help cover medical costs if your dog gets sick, injured or needs emergency care. You could save a lot over the length of your dog’s life by planning for the unexpected.

What is covered by dog insurance?

Comprehensive dog coverage typically includes:

  • Broken bones, emergency room visits and specialist care
  • Illnesses that are breed-specific, congenital, or chronic.
  • Lab work, including diagnostic testing and consultation fees
  • Surgical procedures and hospitalization
  • Prosthetic limbs, devices and mobility aids.
  • Dental accidents and illnesses
  • Behavioral therapy and rehabilitation
  • Prescription medications

Learn more about what’s covered in a dog insurance plan.

How does dog insurance work?

1. Visit any licensed vet

Find the right care your dog needs, even from specialists and rehabilitation centers.

2. Submit your claim

Remember to keep a copy of your invoice for your records.

3. Get paid

For covered claims, receive your payment by check or direct deposit. You choose.

How much does dog insurance cost?

Many plans are between $20 to $70 per month¹. Factors like your dog’s breed, age, the policy’s deductible, and reimbursement percentage can all impact your monthly price. Here are some examples of estimated premiums:

Breed Age State Zip Estimated Premium
Mixed Breed (Toy) 5 years Evansville, Indiana 47708 starts from $13.88
Yorkshire Terrier 2 years Little Rock, Arkansas 72201 starts from $14.19
Chihuahua 4 years Jackson, Mississippi 39201 starts from $14.78
Havanese 1 year Cheyenne, Wyoming 82001 starts from $15.36
Maltese 8 months Birmingham, Alabama 35203 starts from $13.27
Jack Russell Terrier 5 months Tulsa, Oklahoma 74103 starts from $13.72

¹Based on Embrace Pet Insurance’s 2025 existing policy holder data.

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Is dog insurance worth it?

Peace of mind that your cat will get the care it deserves lets you enjoy them even more. A health plan you can trust ensures your cat will get the protection they need, even if your savings can’t cover the cost.

How do I get dog insurance?

Here's how you can get a personalized quote in under 30 seconds:

  1. Enter your pet's information
  2. Select your coverage
    • Annual Reimbursement Limit – the maximum amount your pet insurance will reimburse you each year.
    • Annual Deductible – the amount you'll pay yearly before pet insurance start reimbursing you.
    • Reimbursement Percentage – what pet insurance will reimburse you after you've met your deductible.
    • Optional coverages, like exam fees or prescription drugs
  3. Checkout and your dog will be covered after the standard waiting period

Dog insurance FAQs

Dog insurance can help cover costs if your service dog is sick or injured. Costs related to service training and other various expenses like equipment and vests are not covered.

It’s a good idea to compare quotes and coverages to make the best decision on what dog health insurance plan works for you.

Accident and illness pet insurance policies don’t cover vaccinations. Some plans do offer a wellness coverage add-on that may help cover those costs.

Yes, you can visit any licensed veterinarian, specialist or emergency hospital of your choice.

Incurable pre-existing conditions are not covered. However, dog insurance can cover certain curable conditions after your dog remains symptom free for 12 months.

Some exclusions to dog insurance policies can include the following:

  • Pre-existing conditions
  • Routine veterinary care
  • Breeding, whelping or pregnancy
  • Cosmetic procedures (including tail docking and ear dropping)
  • Deliberate injuries caused by pet owner, including cruelty or neglect
  • DNA testing

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