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Provider Review · Updated 2026

Embrace pet insurance for dachshunds

4.5 / 5
Founded 2003
Best for: Long-term dachshund owners who want deductible to shrink over time

Written by Allen Lee · Last updated August 19, 2026 · Independent review

TL;DR

Embrace's diminishing deductible rewards claim-free years, which fits dachshunds well since owners typically spend years without a major claim before an IVDD episode arrives.

Monthly estimate
$34–$58
Reimbursement options
70%, 80%, or 90%
Deductible range
$200–$1,000
Waiting period
2 days accidents / 14 days illness / 6 months orthopedic
IVDD eligible
Typically, if not pre-existing

Pros and cons for dachshund owners

What we like
  • Deductible shrinks by $50 every claim-free year
  • Optional Wellness Rewards for routine care
  • Covers exam fees (many competitors don't)
  • Covers alternative therapies including acupuncture
Trade-offs to know
  • 6-month orthopedic waiting period (can be waived with vet exam)
  • Age cap of 14 for new enrollment

Who should pick Embrace?

Long-term dachshund owners who want deductible to shrink over time. If your dachshund is a good fit for this description, Embrace is likely the strongest match in our comparison.

Pricing shown is an estimate for a healthy 2-year-old mini dachshund in a median U.S. ZIP code. Your actual quote will vary based on your state, deductible choice, and reimbursement level.

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