Embrace dog insurance: what it covers
Thinking about Embrace dog insurance? Here’s what Embrace’s policy really covers, explained in plain English and taken straight from Embrace’s own documents. We’ve focused on the parts that decide whether a claim gets paid, such as waiting periods, pre-existing conditions and how much you pay yourself. Nothing here is a recommendation.
Embrace at a glance
- Deductible you pay first
- Annual, per pet
- Share of each vet bill it pays back
- Reimbursement percentage shown on the Schedule of Insurance
- Wait before illness is covered
- 14 days
- Vet exam fees
- Covered only if shown on the Schedule (optional)
Common questions about Embrace dog insurance
How long is the Embrace waiting period?
14 days
Does Embrace cover pre-existing conditions?
Covered again once your dog has been free of signs and treatment for 12 months in a row.
Does Embrace cover vet exam fees?
Covered only if shown on the Schedule (optional)
Does Embrace cover behavioural training or a behaviourist?
Covered: diagnosis by your vet, tests, medication and training sessions as part of behavioural therapy.
Does Embrace pet insurance cover dental?
Dental illness covered, up to $1,000 a year.
Does Embrace cover cruciate ligament surgery?
Excluded for life if signs appear in the first 180 days, and signs in one knee rule out the other.
How does Embrace treat a condition on both sides, like both knees?
Signs on one side before cover or in the first 180 days make the other side pre-existing (example: left then right cruciate)
How old does my puppy need to be for Embrace?
6 weeks
Does Embrace offer a multi-pet discount?
10%, added automatically to policies with two or more pets, depending on your state.
Does Embrace cover cancer treatment?
Covers illnesses, and doesn't exclude cancer. A mass that showed before the illness waiting period ended isn't covered, including one caused by cancer.
Does Embrace cover hip dysplasia?
Excluded for the life of the policy if it shows signs in the first 180 days after your start date.
Working on reactivity or another behaviour problem? Read how to choose a reactive dog trainer, or find a trainer near you.
How does Embrace compare with other US insurers?
The same five points for every US insurer we compare, so you can see how Embrace stacks up. Click any insurer to read its full page.
| Insurer | Deductible you pay first | Share of each bill paid back | Wait before illness is covered | Vet exam fees | Behavioural treatment |
|---|---|---|---|---|---|
| Trupanion | Per condition: once paid for an illness or injury, that condition is covered with no further deductible | Coinsurance shown on the declarations page; the website says up to 90% | 30 days (illnesses in the first 30 days are treated as pre-existing) | Not covered, at any time | Only with the optional Recovery and Complementary Care rider (which also covers rehab, acupuncture, hydrotherapy, chiropractic) |
| Nationwide | Annual | Percentage of eligible costs on some plans, pre-set benefit allowances on others; the worked example uses 80% | 'Most plans start 1–14 days after your application is approved and payment has been processed' (no split by illness/injury stated) | Not found yet | Modular Plan lists Behavioral coverage among its coverages; it excludes behavioural training not medically necessary for a diagnosed condition, and obedience training |
| Lemonade | Annual deductible (the FAQ's examples and wording) | 70%, 80% or 90% co-insurance | 14 days | Not covered by the base policy; covered with the vet visit fee add-on | Not found yet |
| Healthy Paws | Annual: applies once per 12-month coverage term | Coinsurance shown on the declarations page | 15 days | Not covered | Not covered (training, therapy, medication or other behaviour modification) |
| Embrace | Annual, per pet | Reimbursement percentage shown on the Schedule of Insurance | 14 days | Covered only if shown on the Schedule (optional) | Covered: vet diagnosis, tests, medication and training sessions as Behavioral Therapy |
| Pets Best | Annual: $50 to $2,000 in $50 steps | 50%, 60%, 70%, 80% or 90% | 14 days | Only with the optional office visits/exam fees benefit, chosen at enrolment | Training and treatment not covered, except consultations and prescription medication if the supplemental benefits are bought |
| Pumpkin | Annual, applies each policy period | Percentage shown on the declarations page | 14 days | Covered as part of eligible treatment ("examinations, consultations") | Covered if treated by a vet or, on a vet's referral, by a certified animal behaviourist (CAAB, ACAAB) or veterinary behaviourist (Dip ACVB) |
| Figo | Annual deductible, plus an optional per-incident copay | Coinsurance shown on the declarations page | 14 days | Not covered unless the optional Office Visit and Exam Fees cover is bought | Not covered unless the optional Holistic and Alternative & Behavioral Problems cover is bought |
| Spot | Annual, applies each policy period | Percentage shown on the declarations page | 14 days | Covered as part of eligible treatment ("examinations, consultations") | Covered if treated by a vet or, on a vet's referral, by a certified animal behaviourist (CAAB, ACAAB) or veterinary behaviourist (Dip ACVB) |
Everything we checked in Embrace’s policy
Each point shows where we found it in Embrace’s own document, so you can check it yourself. Where an insurance term needs explaining, we’ve added a short note.
- Type of policy
- Accident and illness, with optional cover for medications, exam fees and others shown on the ScheduleWhere: Part III Coverage
- Deductible you pay firstThe amount you pay towards vet bills before your insurer starts paying.
- Annual, per petWhere: Definitions 14
- Share of each vet bill it pays backAfter your deductible, the percentage of each vet bill your insurer pays back.
- Reimbursement percentage shown on the Schedule of InsuranceWhere: Definitions 35; Part III
- Most it will pay out
- Annual maximum shown on the Schedule; dental illness has its own $1,000 a yearWhere: Definitions 5; Part III 1.e
- Wait before illness is coveredThe time after you buy a policy before you can claim for an illness.
- 14 daysWhere: Definitions 21
- Wait before injuries are covered
- None: accidents are covered from the startWhere: Part III 1.a
- Wait before knee problems are coveredSome insurers make you wait longer before knee problems, like a torn cruciate ligament, are covered.
- Cruciate ligament disease, IVDD, patellar luxation and hip dysplasia that show signs in the first 180 days are excluded for the life of the policyWhere: Part IV 1
- Problems on both sides of the body, like both kneesIf your dog has problems on both sides (both knees, both hips), many policies treat them as one condition.
- Signs on one side before cover or in the first 180 days make the other side pre-existing (example: left then right cruciate)Where: Part IV 2.a
- Cover for pre-existing conditionsAnything your dog had, or showed signs of, before the policy started.
- Excluded, but conditions free of signs and treatment for 12 consecutive months are no longer treated as pre-existing (some, like skin conditions, have their own 12-month rule)Where: Part IV 2
- Vet exam fees
- Covered only if shown on the Schedule (optional)Where: Part III 2.a
- Cover for behavioural treatment
- Covered: vet diagnosis, tests, medication and training sessions as Behavioral TherapyWhere: Definitions 6; Part III 2.m
- Dental cover
- Dental illness covered up to $1,000 a yearWhere: Part III 1.e
- Hereditary conditions
- CoveredWhere: Part III 1.f
- Oldest age your dog can join
- Not in the documents we read.Where: Not stated in the policy
- Youngest age your dog can join
- 6 weeksWhere: Dog insurance page: 'Puppies (6 weeks+)' (Embrace’s website, read 5 October 2026)
- Discount for insuring more than one pet
- 10%, added automatically to policies with two or more pets (depending on state and eligibility)Where: Help 'What discounts could I get for my Embrace policy?' (Embrace’s website, read 5 October 2026)
- Cancer treatment
- Not covered: a mass that showed before the end of the illness waiting period, including one caused by cancer. Cancers are not treated as orthopedic conditionsWhere: Part IV 2; Definitions 28
- Hip dysplasia
- Excluded for the life of the policy if it shows signs in the first 180 days after the start dateWhere: Part IV 1.d
Source: Embrace Pet Health Insurance policy, V6. Read on 5 October 2026. Underwriter: American Modern Insurance Group (a Munich Re company). Terms vary by state; these are for Texas. Policies change, so always read the current policy wording before you buy or claim. Spotted a mistake? Tell us.