The only pet insurance that includes a year of online vet care

Protect your pet and wallet with full-coverage insurance + unlimited online access to licensed vets who can prescribe medication.

*You’ll be automatically reimbursed for your Dutch membership after 31 days of Embrace coverage.

Rated 5-star insurance by Forbes

  • Easy form-free claims & fast reimbursement
  • Fast online vet care & prescriptions from Dutch
  • Insurance you can use at any vet
  • 10% multi-pet discount for insurance

Insurance that covers more so you can stress less

With Embrace insurance, you don’t have to choose between your pet and your savings.

  • Illnesses & conditions

    Embrace covers all your pet’s unexpected illnesses, genetic conditions, and curable pre-existing conditions.

  • Accidents & injuries

    Accidents happen so everything from broken bones and ligament tears to poisoning and more are covered.

  • Dental work

    Unlike some plans, the Embrace plan covers unexpected dental work, like tooth extractions, gingivitis care & root canals.

  • Prescription coverage (optional)

    Get reimbursed for your pet’s medications — like antibiotics, steroids, oral chemotherapy, insulin, and more — for covered conditions.

  • Wellness plan (optional)

    This add-on plan helps you budget for those expected expenses, such as annual checkups, vaccinations, grooming, and much more.

  • Exam fee coverage (optional)

    Have one less vet bill to worry about with reimbursement for all exam fees for covered accidents and illnesses.

Every 6 seconds, a pet parent gets an emergency vet bill of $1,000 or more.
Be prepared for it.

Get 24/7 online vet care (not just advice) with a free Dutch membership

Getting care quickly can lead to better health at a lower cost — so your membership is covered.

  • No long, stressful waits. Our vets are available quickly — even nights and weekends.

  • The vet will create a comprehensive treatment plan to help your pet be healthier.

  • Avoid the stress and expense of unexpected vet trips for your whole fur family.

  • See a better price on another U.S. site? We’ll match it.

  • Get your pet’s medication sent directly to you with free shipping.

  • Your first flea & tick order is 20% off our already low prices.

How to get your insurance and free Dutch membership

  • 1

    Get an Embrace insurance quote

    Fill out the quote form and select your options to see how much your insurance will cost.

  • 2

    Join Dutch

    Sign up for a Dutch Annual + Full-Coverage Insurance membership.

  • 3

    Sign up for Embrace

    Click the link in the quote email we send you to buy your pet’s insurance from Embrace.

  • 4

    Get refunded for Dutch

    After 31 days of Embrace coverage, we’ll automatically refund you the full cost of your Dutch membership.

Frequently asked questions

What is pet insurance?

Pet insurance reimburses you for eligible costs on your veterinary bills, depending on the type of insurance that you have and your policy details. Like most types of insurance, there’s typically a deductible, which is an amount you must pay yourself before you can start getting reimbursed. There are generally three types of pet insurance: illnesses + accident plans, wellness plans, and accident-only plans. The insurance in the Dutch Protector plan is accident-only coverage.

Pet insurance helps you afford the best course of treatment, protects against major financial setbacks, and can give you peace of mind as a pet parent. Having a pet insurance plan can help you to focus on getting the best care for your pet without worrying about the financial burden.

How does Embrance pet insurance work?

Embrace pet insurance makes it easy to get your pet the care they need when issues pop up — without stressing about a big bill. Here’s how it works. 

1. Visit any vet

With no network restrictions, you can choose from any veterinarian, including emergency and specialist vet clinics.

2. Submit a claim online

Take a picture of your invoice and submit using the Embrace website or app. No claim form or paperwork needed.

3. Get money back fast

Use direct deposit and get paid right to your account when your claim is approved.

What is a pre-existing condition?

A pre-existing condition is any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see the veterinarian for it. No pet insurance company covers incurable pre-existing conditions. However, Embrace does distinguish between curable and incurable pre-existing conditions. Examples of incurable pre-existing conditions include diabetes, allergies, etc. Curable pre-existing conditions include things like ear infections and undiagnosed vomiting or diarrhea. As these issues can be completely cleared up, they could be covered moving forward if the pet goes 12 months symptom free.Embrace defines what conditions are pre-existing for your pet by requesting their medical records for the 12 months (or less, if they are a new addition) prior to the purchase of the policy. If you’d like, you can request that they do a Medical History Review, which involves one of their claims adjusters reviewing your pet’s medical records to let you know what – if any – conditions would be considered pre-existing. It’s important to note that they don’t automatically do these medical history reviews, you must request one. However, they are free of charge and available to anyone who has a policy.

What is a visit with Dutch like?

When booking a video call with a vet, you'll be asked a few questions about your pet’s health issue. Depending on the issue, you may also be asked to fill out a longer questionnaire about their symptoms and share photographs of them so our veterinarians can better understand what’s going on. You’ll then pick an appointment time that works best for you.

During your video call, one of our licensed veterinarians will talk to you about the symptoms your pet is experiencing, ask you questions, review your pet’s medical history if you’ve provided it, and answer any questions you have. The vet will ask to see your pet and their environment. And they may ask you to perform some simple checks on them if needed.

After your video call, the vet will send you a message with a custom treatment plan to help your pet feel better, including a link to buy any recommended prescription or over-the-counter medications. Place your order and we’ll ship it free.

What’s included in a Dutch membership?

All Dutch members have unlimited access to U.S.-licensed veterinarians over video chat and messaging for up to 5 pets. Our vets will create a specialized treatment plan for your pet that can include prescription and/or over-the-counter medications, as well as behavioral modification, diet, and/or enrichment advice.

A Dutch membership also includes free standard shipping and free, unlimited follow-ups with our vets through messaging and video calls. The cost of medication is not included in membership, but we offer a price-match guarantee for all products. Annual members also get 20% off their first order of flea & tick medication.

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC (0G89328) 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. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms visit Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout.