Embrace Pet Insurance Review 2016 | Vet-Verified Embrace Pet Insurance Review 2016 | Vet-Verified
Healthy Paws Pet Insurance and Foundation.

Embrace Pet Insurance Review

Embrace Pet Insurance Review

Embrace Pet Insurance offers one simple, easy-to-understand plan

One Simple Plan

Embrace offers one simple plan that covers everything from ongoing cancer treatments to surgery for swallowed objects. Set your own reimbursement levels and deductibles based only on the coverage your pet needs.

First, choose your reimbursement amount. Choose a 70%, 80%, or 90% reimbursement and keep in mind that as the reimbursement percentage goes up, so does your monthly payment.

Then, select the annual deductible that’s right for you. Embrace’s deductibles are $100, $200, $300, $500, $750, or $1000 per year.

What is Covered

  • Accidents
  • Illnesses
  • Genetic Conditions (such as hip dysplasia)
  • Chronic Conditions (such as asthma)
  • Dental Trauma
  • Cancer Treatment including Chemotherapy

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What is Not Covered

  • Pre-existing conditions
  • Prosthetic lims or devices
  • Breeding, whelping, or pregnancy
  • Cremation or burial
  • Organ transplants
  • Injury caused by you or someone in your home
  • Injury from fighting,racing,cruelty,or neglect
  • Cosmetic procedures
  • DNA testing or cloning
  • Radiation poisoning

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+ What's Covered

What is Covered

  • Accidents
  • Illnesses
  • Genetic Conditions (such as hip dysplasia)
  • Chronic Conditions (such as asthma)
  • Dental Trauma
  • Cancer Treatment including Chemotherapy

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+ What Isn't Covered

What is Not Covered

  • Pre-existing conditions
  • Prosthetic lims or devices
  • Breeding, whelping, or pregnancy
  • Cremation or burial
  • Organ transplants
  • Injury caused by you or someone in your home
  • Injury from fighting,racing,cruelty,or neglect
  • Cosmetic procedures
  • DNA testing or cloning
  • Radiation poisoning

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Embrace Wellness Coverage
Spaying or Neutering
Treatment for Fleas, Ticks, and Heartworms
Pet Vaccinations
Wellness Examinations
Routine Blood Tests
Pet Microchipping
Prescription Pet Food
Dental X-rays, Cleanings, and Fillings
Natural Supplements
Prescription Shampoo For Skin and Fur Problems
Professional Behavior Training
Wellness Rewards coverage requires an extra monthly payment in addition to your regular premium.

Embrace Wellness Details

The Wellness Rewards Plan by Embrace is an optional add-on for routine care coverage and everyday veterinary expenses. Wellness benefits include dental care, routine blood work, prescription food, and even behavioral training. For puppies and kittens, Wellness Rewards offer spaying or neutering, vaccinations, expert behavioral training, and flea and tick prevention.

Unlike the standard policy, the Wellness Rewards plan offers 100% reimbursement with zero deductible and no co-pay. There is also no waiting period so you can use the coverage immediately. Choose one of three annual limits based on your pet’s wellness needs.

Three Annual Limits to Choose From


$18.00 per month


$32.50 per month


$46.95 per month

Vet-Verified Review

Last updated 7/3/2016. By Dr. Pippa Elliot, BVMS, MRCVS

Embrace keeps pet insurance refreshingly simple with one core plan that you customize to meet your individual budget. The plan protects your pet in the case of accidents, injuries, illnesses, and hereditary or congenital conditions.

Our veterinarians ranked Embrace in the top 3 for generous coverage payouts, extensive genetic and congenital health coverage and a state of the art wellness program. Alternative therapies, emergencies, nursing care, surgeries, rehabilitation, and diagnostic testing are also included in the core plan.

You can adjust your monthly payments by selecting your own deductible, reimbursements, and annual payout limits. Annual deductibles range from $100 to $1,000. Choose between Reimbursements of 70 to 90 percent of the actual vet bill. Annual benefits range from $5,000 and $15,000 per year.

Boost your plan with optional wellness coverage that takes care of routine care and procedures for your pet.The Wellness Rewards option also works as a flexible spending account by giving you an annual $250 to $600 to use to cover dental cleanings, flea and heartworm prevention, nutritional supplements, spaying or neutering, and prescription medications.

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Our Final Grade


Overall Satisfaction Rating
(Based on overall customer satisfaction)
How Our Ratings Work

Our Rating Criteria
Above Average Claim Approval –
96% Customer Satisfaction Rate –
24/7 Phone and Email Support –
8/10 Customers Stay Enrolled –

Real Customer Reviews

Average customer review 4/5

“The Best Plan Out There”

boxer puppy embrace pet insuranceI found out about pet insurance after my dog got sick. I applied to all the major plans and Embrace was the only one that would cover him with his pre-existing condition.

1-Year-Old Purebred Boxer
San Francisco, CA

“We Love Embrace”

mixed breed cat embrace pet insuranceWe’ve gone through a few pet insurance plans for our cat and the claims we submitted were usually denied. Embrace has covered every claim we’ve submitted so far.

4-Year-Old Mixed Breed Cat
Houston, TX

Embrace Facts

  • Offers $50 Annual Healthy Pet Deductible™ Discount
  • $2 From Every Policy is Donated to a Pet-Related Charity
  • Embrace Runs a Foster Cat Shelter out of Their Office!

Embrace Pet Insurance Q & A

What alternative therapies does Embrace cover?

One of Embrace’s notable perks is the wide range of alternative therapy coverage included in every plan. While you may find that many plans cover chiropractic care and even acupuncture, Embrace extends alternative care options that to include massage therapy, holistic, homeopathic treatment, and veterinary orthopedic manipulation (VOM). Therapeutic laser treatment, rehabilitation, electro acupuncture, BICOM therapy, hyperbarics, and reiki are also covered.

Embrace Premiums cost $9-$125 per month. Is The Coverage Different?

The scope of coverage is the same for the core Embrace plan, regardless of your premium. Your dog is covered for treatment and care related to accidents, illnesses, and breed-specific conditions. You can add prescription medications with an inexpensive rider. The big price difference in the premiums comes from differences in the annual limits, deductibles, and the percentage you’ll be reimbursed.

Less expensive premiums typically result from choosing lower annual limits, higher deductibles and lower reimbursement levels. Request a quote and you can play around with the different annual limits, deductibles and reimbursement levels to see which one results in a premium and coverage level that works best for you.

Is Embrace a Better Value Than Other Pet Insurance Plans?

Let’s say your vet bill is $1,000 and you have a $200 deductible and a 20 percent co-pay. Companies that apply the co-pay first would charge you 20 percent of $1,000, or $200, and then they would apply your deductible to the remainder.

Embrace applies your deductible first to reduce the $1,000 to $800. It would then apply your co-pay, which would now be 20 percent of $800, or $160. Right off the bat you have saved $40 on this bill alone since your co-pay was $160 instead of $200. Embrace’s discounts can save you even more money and you can investigate these options when you request a quote.


2016 Winners


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One Great Plan Covers Everything

Embrace offers one simple plan to cover all your vet bills.

The Average customer review for Embrace Paws is 9.4 out of 10
9.4out of 10
Review Date
Reviewed Item
Embrace Pet Insurance
Author Rating

  • Chrissy

    No deductible, no co pay and no waiting period! My dog’s health insurance is better than mine! 😉 Best money I have ever spent on my dog! This will save all dog lovers a lot of money in the long run!

    • Pet Insurance U

      Hahahah – you’re right, Chrissy! We’ve found most pet insurance plans sound better than the human health insurance plans we have over here!
      All the goodies you mention, however, are for the wellness coverage Embrace offers to cover routine wellness care.
      When it comes to coverage for medical and accidents:
      Embrace does have an annual deductible- but you can choose one as low as $100 (or all the way up to $1,000).
      It also has a co-pay, which is based on the percentage reimbursements. You co-pays, thus, could be as low as 10 percent of the vet bill (with 90 percent reimbursement).
      Embrace also applies the co-pay AFTER the deductible, which reduces your out-of-pocket expenses even more.
      And there is a waiting period, too, although it’s only 14 days for illnesses – and only 14 days for orthopedic conditions of you get a waiver from your vet. Very SHORT waiting period compared to many other pet insurance plans – and prob. ALL human plans!

  • Patti

    No co pay is amazing! Getting this for my pup Dot (she’s a bull terrier). She hasn’t been neutered yet or anything so I think this is the perfect plan…. I agree with the poster below- this insurance is better than mine.. I hope things don’t go south with pet insurance like they have with human insurance lol.

    • Pet Insurance U

      Excellent, Patti! Glad to hear the wellness coverage is a good fit for Dot. As we mentioned in comment to Chrissy, the wellness option has no co-pay but other insurance options for medical and accidents do have one.
      And we, too, keep our fingers crossed every day that pet insurance doesn’t end up in the same ridiculous mess that now plagues human insurance!
      Thanks for comment!

  • Julian Holst

    I’ve heard nothing but good things about this company, including their rating as far as paying claims. Some companies have great benefits, but if they don’t pay out, what’s the point? I’m about to purchase some insurance for my puppy, and after checking their pricing, I find out I can get wellness included in her plan, which includes spay/neuter and a lot of others. The price quote I got was $22.95 for a $5,000 limit, $500 yearly deductible, and 90% repayment based on the vet bill. You could get a lower deductible and go with 80% repayment if you didn’t want to pay such a high deductible, but I’m mainly concerned with the really high-cost kinds of problems like accidents and whatnot. But with the wellness plan, I almost meet my deductible after one teeth cleaning, a spay, neuter, flea control, etc., so the year after that is just $22.95 per month protection against a catastrophic event like getting hit by a car or getting a serious disease. To me, this is a no-brainer. 🙂

    • Pet Insurance U

      Julian! Your comments are always so full of good info – and it sounds like you’re rocking your research into pet insurance options. Good job and thanks! for your ongoing input!

    • Embrace Sucks

      I am hoping that your puppy does not have any medical history. I thought the same thing when I purchased the insurance but that became the worst decision I have ever made. They will try whatever they could to decline the claim and explained it as pre-existing conditions even though you and your vet know that’s not the case. Then it comes to the appealing process. Firstly, they told me that their consultant vet (who has never seen my pet nor could they provide proof that their consultant vet reviewed every single world of the medial history) believes it is a pre existing condition because of test A, however test A could be impacted by other things therefore a conclusion cannot be made if Test B proves that test A is caused by something else. Once my vet and I proved that guess what, they told me that they still cannot cover the claim because there is another pre existing condition which again was just a wrong interpretation of test results happened years ago. It almost let me feel that when they cannot give you a reasonable explanation for the wrongdoing at the first place they try to find all these details happened in the past to justify their decision even though they are unrelated. They do that because they want to delay the process and hope people will just forget it. When being asked what need to do to overturn the case they said: We will send questionnaire to your vet to fill out. No response two weeks after my vet sent the questionnaire back to them and I had to call them everyday for the answers, once you are on their “blacklist” they will not return your phone calls or sometimes emails. Some days later they emailed me saying the information provided by the vet was not enough but no explanation whatsoever. I asked my vet to send me what they filled out and it turned out their questions were very vague, they either do not know what are the right questions to ask or they try to avoid to ask the right question because that’s not what they want to see. It has been four months since the day I started to fight with embrace and it turned out to be a very stressful experience and it makes me almost want to give up. It was not until recently when I told them I am going to initiate legal action that they started to cooperate and told me and my vet what exactly we need to do and provide. This could have been done four months ago. I am not discouraging people to get pet insurance because they could be a good thing, I want people to be aware of the unlawful practices in this industry, please please do not give up when they reject your claims because of what they called the pre existing condition, we need to fight so that they will stop bullying the pet parents.

  • Is that a lab mix pictured in the beginning? I’m not good at identifying breeds but I love that puppy.

    Embrace sounds like a great company and I love the wellness plan. I might be wrong but I think that’s the first that I’ve seen of a company covering (even in wellness plan) for prescription shampoo. I love that! My dog has a very bad skin condition that causes him itchiness and discomfort along with patches of pink on his skin. Special shampoo is very important for him and other dogs but sometimes can be costly. I hope that some other pet insurance companies began to cover prescription shampoo.

    I also like that behavioral training is included in the wellness plan. With plans starting at $9, I’m not sure that it can get any better!

    • Serena

      I’m in the same boat! With Embrace, I am able to provide my cat with treatments for all of her allergy symptoms. I can try natural supplements and prescription shampoos that will help give her a better quality of life. Not to mention the fact that if she is ever injured or needs surgery, I will be able to get her the care she deserves. I’ve finally found great wellness coverage in a plan that fits within my budget!

  • Kendra Justine

    This company has some very affordable options. I do like that they cover a wide array of non-traditional therapies. I personally enjoy more holistic approaches to health care for myself and my pets also. I see that it also covers vaccines and flea, tick and heart worm treatment. That is a very beneficial because a lot of plans don’t including the plan that my pets are currently under. I’m so happy I found this site, it is so helpful for comparing and finding different pet insurance plans. I’m going to browse the site a little more before I decide who I want to go with, but Embrace Pet insurance is definitely going on my list to consider. Nice post. Thanks!

  • Anastacia

    Having one core plan that I can customize to my budget sounds great. It really is simple! I like that cancer treatment is covered. We’ve lost a cat to cancer before because treatments became too cost prohibitive. It’s heartbreaking. Wish I would have known about this plan back then!

    • Justina Roberts

      We lost a cat to cancer, too, before we looked into pet insurance. We did not have the money for treatments and were in the same shoes as you. Once I pick my plan I’m going to talk to any one I know with a pet and encouraged them to get coverage because it’s really unexpected but you should still be prepared – it could happen to anyone (or any pet). I’m sure you were great humans to your cat, I wish you the best & lots of love.

  • john

    German shephards often get hip dysplasia problems and knowing that pet insurance specifically takes care of it ,its awesome , i am really looking forward to embrace pet insurance!

  • Embrace seems like it’s uncomplicated, and I like that.

    You get the one core system and add what you feel you need. Customization has some appealing factors – as not all pets (or pet owners) have the same needs.

    I like that this company has an option for professional behavioral training. This is unique to me – and I have a few friends who’ve needed to have their pets go through some basic training. This can be quite expensive out of pocket, so it’s cool to see it included in an insurance plan.

    The fact that there is no waiting period is awesome too. You definitely want the coverage to start as soon as possible since anything can happen at any time.

  • Graysse

    Let’s Embrace the awesome deals!!!! Now this is a customer oriented pet insurance company! It’s super affordable and covers such a wide range of diseases. When my dog got sick most of the insurance companies I approached didn’t want to assist me… But Embrace saved my dogs life.

  • ronline betit

    One of the most beautiful features of this company is its dental and cancer medication. The ratings are high and the features are nice. It’s affordable too and covers most of the health needs of our pet.

  • Sharon James

    Wow! I am so impressed by the comprehensiveness of the Wellness Rewards Plan. I tend to be the over-protective puppy mom who worries about every little itch, bump, or scratch her dog gets! This protection will allow me to try more options to help treat my dog’s allergies, and give me the peace of mind that she is covered- no matter if it’s just me being over-protective, or something actually serious.

  • Benny R.

    The Wellness Rewards Plan by Embrace is going to be my choice for pet insurance when I adopt my shelter dog next week! She is a young dog, but knowing that we can afford blood tests, vaccinations, and flea, tick, and heartworm treatments is so important. We are so excited to bring her home, and this plan will help ensure she has a long, happy, and healthy life with us.

  • Ujjal Karmakar

    I heard many good things about Embrace pet insurance company. It has many awesome features that one can do insurance with this company. It has two premium plans. Monthly premium quote for low coverage offers 70 percent reimbursement, $500 deductible, no annual limits and Monthly premium quote for plans with comprehensive coverage offers 90 percent reimbursement, $100 annual deductible, $5,000 annual limit, drug coverage rider etc. The most interesting thing is the wide range of alternative therapy coverage. It is amazing.

  • I love how you can choose the quota as well as all the packages they offer. I can be at peace now knowing my 3 yorkies have so many kind of coverages even wellness. No co-pay, no waiting. It makes me wish I was any of my three lovely Yorkies. I have to admit they are better covered and insured as my own self. Pet Insurance U is one of the truest pet insurance out there, they comply on everything they claim, and for that my Yorkies and are greatful!

  • I’m so happy with the fact that they cover cancer treatments, it shows that they actually care about the animals. I don’t know how I haven’t heard of this insurance company before, it offers way more than my present one does and it doesn’t even cost as much! I’m making a change for sure. this is an insurance that I can be at peace with.

  • Kendra Justine

    Your website has so many good plans to choose from, I’m really having a difficult time narrowing it down. Your information is so good! This is the second time I’m looking at Embrace. I feel like this is the plan for me. It covers everything I really need for my cat. I’m going to go with Embrace I need to just take one more look at the other plans. Thanks again for this. Life and time saver!

  • This is a great option for a pet health insurance.I have a lot of friends who pay pet insurance and they say it is the best money they ever spent. Can you really put a price on a piece of mind? Embrace Insurance has done something that I haven’t heard before and that is to customize your plan.Being able to set your own reimbursement levels and deductibles makes so much sense simply because no one knows your pet better than you.

  • What more can a person ask for with this type of insurance coverage? The embrace plan is very nice. And, it covers cancer treatments!
    Wow! Animals swallow different kinds of foreign objects all of the time. However, there are times that swallowing the wrong foreign object could mean a trip to the animal hospital.
    And, for the Embrace plan to cover this? This is great! No more concerns coming from me!

  • Momi Nul

    Wow! I am so satisfied by the comprehensiveness of the Health and fitness Benefits Strategy. I are generally the over-protective dog mom who problems about every little itchiness, push, or the beginning her dog gets! This security will allow me to try more choices to help cure my dog’s allergic reactions, and provides me the satisfaction that she is covered- no issue if it’s just me being over-protective, or something actually serious.

  • comment_blog

    Embrace offers one simple plan which cover all vet bills, which is okay. Because they are fast in delivery their service. Am so happy when i recommend it to my friend and he later gave me good feedback about them. Embrace you are so good.

  • Hardeep Singh

    I have had Embrace for two dogs for about a year and I am extremely satisfied with their service, coverage, timeliness, honesty, website and reimbursements. I don’t think there’s a better option out there!!!

  • Sissy MacDougall

    The numbers don’t lie on this plan! This is such a simple plan to understand, and the fact that you can get the Wellness Rewards plan to cover the most common vet bills such as teeth cleaning, shots, and so forth makes this a no-brainer for me. I love the idea that even if my pet has a catastrophic illness or injury, I know *exactly* how much I’m going to be paying out of pocket and how much the insurance will pay. No guesswork. And if I can get coverage for dental work, all the better, as I always end up paying out of pocket for that work, no matter which pet we’re talking about. And the rating of 9.4 is extremely impressive. I think I’ve found my match!

    • Fran

      I agree, this plan looks really great and there is nothing hidden. Heard many great things from friends about Embrace, I would give them a go.

  • Fran

    Yes it is rare to see insurance companies openly advertise that they provide for cancer treatments. These types of treatments can be very lengthy and expensive, and it is really good to know from the get-go if you are with someone who offers this – it gives huge peace of mind. Also, it’s always great to read good reviews of companies paying out – that again provides huge peace of mind.

  • Becca

    I wish I had found something like Embrace when I had my cat. She lived to be 17 so she would have eventually aged out of the plan. That was when she got really sick and eventually had to be put down. But she had a few other small illnesses when she was younger. Between those are well visits (I would definitely have opted for the Wellness rewards) and it would have been very nice to get 70-90% of those bills reimbursed. I also like that the plans are flexible and you can kind of build your own policy with additional riders. The core plan premium seems very reasonable so adding on would not have been outrageous.

  • Ian Conrardy

    The treatments and plans that they offer are very comprhensive and cover a lot of different medical procedures. This is so helpful, because when your pet gets sick and you go to the vet just to find out that you cannot afford treatment, you feel so lost. Embrace Pet Insurance is an amazing protection against anything that could prevent your pet from getting treatment when they need it most. I wish I had Embrace Pet Insurance when my little chihuahua, Iddy, got sick. Fortunately, she got through it, but i can tell you from experience, not being able to get help for your pet when they need is scary. Embrace is an amazing insurance company with great prices and amazing coverage, be sure to check them out.

  • Ljubinko Zivkovic

    I thought that I don’t need pet insurance for my German Shepard. She was a healthy, happy dog, until she swallowed a chicken bone. When the vet, to whom I’m grateful because he saved her life, presented me with the bill, I didn’t feel so grateful anymore. That is when I started looking for a good pet insurance, and I found it in Embrace. Not only does the coverage give me all I need to feel secure about my dog, but the language in the documents they provided was, unlike with many human insurances, simple to read and understand.

  • Noel Christman

    Until now I have thought the idea of pet insurance a little silly. After reading about how affordable the plans are and the extensive coverage I am sorry I didn’t have coverage when our family dog of ten years was diagnosed with cancer. Had we had this insurance then, we could have afforded to treat Mazda. I also like the different options, even being able to add on the spay and neuter and shot packages.

  • The blood of Jesus

    Finally, a pet insurance company that gives me more options when it comes to alternative therapies. This is a company that has gone the extra mile to cover what other pet insurance companies don’t. Since Embrace Pet Insurance offers extended alternative therapies, I can try laser therapy and reiki therapy if my dog gets sick. Laser therapy can be very effective. Any homeopathic therapy can do wonders naturally. I’m into natural healing whenever it applies for myself, and want my pet to have these same choices. Love it! I’m a little surprised too, but very happy about this part and the rest of the companies plan. Wonderful!

  • Kat Condon

    I always thought pet insurance seemed a little “extreme” – that is until my golden lab, Dorado got cancer. At only 5 years old we knew that he could fight the disease, but after a few months of treatments we just couldn’t afford it anymore and had to put our dear boy down. Knowing that we could have possibly prolonged his life if we would have had Pet Insurance U haunts me, but you can bet I won’t be making that mistake again! I think it is incredible that this company covers cancer treatmeants – not to mention the great prices!

  • Misty

    This is so great for those of us who have pets. Many people feel that their pets are their children and I know that is how my husband and I feel. We would be heartbroken if anything happened to them and with pet insurance, this helps so much to protect them. I like how the different types of issues are listed that this insurance will cover and what it will not. That helps us to select just the right plan for our pets.

  • Danielle Dixon

    Embrace pet insurance plans are simple and straight forward to understand , with no surprises. The fact they cover chronic illness is a relief as the owner of 4 elderly cats, it comes with the territory. The optional add on for routine care is a no brainer, neutering fleas and ticks are all part of regular pet owners to do list and you get 100% reimbursement so no scrabbling around for Co pay. Definitely a sound investment for your pets x

  • Sta Geo

    If only this type of pet insurance existed several years ago.My dog had to have a surgery which was not a pre-existing condition so it would have been covered.Also the cost of program with deductibles and flexibility to choose from seems very nice.Most basic things such as accidents and possible illnesses are covered.And the majority of bills from veterans also are reimbursed.This is really both cool and money saving,plus my favorite pet can afford the insurance coverage it deserves comparing costs.And the fact that from any policy a small amount goes to a pet-related charity is really great.

  • Ashish Ganguly

    I am really relieved to find such a pet insurance provider. They have made things so much easier with the single core plan. Covering so many diseases and even genetic conditions is just awesome and I am really attracted to try this one out for my pet. The wellness coverage seems like icing on the cake and that too for such a great price!!
    I have a pup (pug) and I was scouting the internet to find a reliable insurance plan. This article really made my day!! I am surely going to get this one for my pup and hope that it works well.

  • nat moore

    Over the years I have had many large breed dogs and unfortunately the larger the breed the more susceptible they are to hip dysplasia. I know from experience that this can be an expensive endeavor. That is why I chose Embrace. My pets mean the world to me and knowing they will be covered gives me peace of mind. I added on the Wellness plan which covers dental work and cleaning among other things. In the end, I probably save a little bit of money each year just from prescription food cost.

  • Mls Hayat Mls

    Ive never been a big fan of domestic animals to be honest, yet one of my closest friends used to have three kittens, unofrtunately, that friend of mine underwent through some difficult financial circumstances and had to give up the kittens. I dont know much about keeping pets but when these kittens left, my friend suffered the way a mother grieves over her lost child. I didnt know humans could have this much emotion towards pets. After reading this insurance polict of embrace, I wouldnt hesistate to tell my friend about it, because truly, I dont want her to go through that pain again. Their policy has a wide range of sicknesses covered, along with some financial aid , these people truly care.

  • Beth

    I am such a paranoid person when it comes to the possibility of my cat getting fleas, she has many skin issues already that would flare up if she got fleas. The Embrace Wellness Coverage Add-on sounds like a perfect addition for us! The cost of flea preventatives and prescription shampoo for her skin problems really add up fast, and it sounds like this could dramatically help us out!

  • MadiA

    I love the simple idea of one core plan, customizable to my budget. And the wellness plan is an awesome option. I have a dog that eats anything–including what ended up being several thousand dollars worth of cleaning wand sponges (the other dog jumped on the washer and knocked them off the high shelf). I recently lost a kitty to old age; some of the alternative therapies covered might have made her last months more comfortable. This is definitely a plan I will be seriously considering.

  • Janice Sky

    I am seriously considering purchasing this plan for my terrier. He is getting older and I have been concerned that with his age will come significant costs and medical bills. I am going to request my free quote today. I love the idea of the Wellness Rewards so that I can cover the basic expenses and some of the nutritional supplements that I’m already paying for out of pocket. I also like the idea of being able to set my own deductible. I’ve never seen a pet insurance plan that covered so many core services and also some alternative therapies. I’m very excited to give this a try and be able to budget out some of my pet’s expenses.

  • Sarah

    Pets are family. They need protection too. Embrace offers one plan that covers unfortunate events, such as accidents, illnesses, dental trauma, and even cancer treatments. You can set your own level and deductible based on your budget. When you add the optional Wellness Rewards Plan to your policy, you will have peace of mind over everyday expenses, as well. No deductible, no co-pay, and 100% reimbursement on things such as spaying or neutering, vaccinations, wellness examinations, and routine blood tests, just to name a few. There are limitations so make sure to read those over before proceeding. We lost a family pet this summer to feline anemia. She lived a long, well-loved life. Her health expenses were great in number and, unfortunately, we did not have pet insurance so they added up quickly. Discovering Embrace Pet Insurance, now, I would recommend anyone with a furry family member to look into it.

  • Haneef

    Two of my aunts have dogs and they have had concerns about the cost of pet insurance. Not only does the low monthly costs sound like it would definitely fit their budget, but the inclusion of the deductible before the co-pay sounds like it’d save them even more money! The coverage is very fair and I think this is something they’d like to check out! one of my aunts has a dog with hip dysplasia and chronic illness so the fact that this insurance covers that would be excellent for her!

  • Anyone that has a dog knows how expensive vet bills can be. I know first hand how costly my puppy can be. When I adopted Charlie, a chocolate labradoodle, Like most puppies, he was playful, fun, and energetic. Than he was diagnosed with Pneumonia, but not until a few trips to the vet costing us an average of $300 – EACH TIME – for medicines and x-rays – and all out of pocket! So I was beyond stoked to find out that Embrace covers illness and injury, as well as “pre-existing” conditions that other insurers try to deny. As a labradoodle can have breed specific health issues, knowing that Charlie is covered is a huge relief. And if this past summer was any indication, Charlie is going to have a long history with flea allergies, so having an insurer that covers flea preventative care is critical for me, and more importantly, to Charlie.

  • Elizabeth Voyles

    Embrace Pet Insurance had me at coverage for surgery for swallowed objects. I used to live next to a hazelnut farm and my dog was always trying to swallow the nuts that fell on our side of the fence. My poor little guy has surgery twice to remove shell fragments in his stomach. We tried to keep the nuts out but weren’t always fast enough. We paid out of pocket for both surgeries and it was a huge expensive. This kind of coverage would have been an amazing help. And I love all the options for customizing your deductibles and limits so I can actually afford one of their plans. I can see where a plan like this would end up being a big money saver for my family.

  • Denise Hlll

    Pet insurance really has become a must have. This particular plan is extremely flexible. The fact that there is no co-pay, no deductible and coverage starts right away is really what sold me on this particular insurance. I also love that the coverage is comprehensive and covers preventative care as well as incidents and illness. This is definitely a plan I feel comfortable recommending to my friends and family with pets as it can be tailored to accommodate any budget.

  • Hiro Mamoru

    I think this Embrace Insurance by the company Pet Insurance U is great for when you have a pet Cat or Dog that you had for about a year and you want to take your pet there to get checked out.I used to have a Cat named Hercules so if I still had him right now I would definitely invest some money in getting one of the Embrace Insurance plans.The plan that I go with for having a Cat that I still missed having be the the one that $18 per month,they also have the plan that cost $450 $32.50 per month$650 and $46.95 per month.Their services covers spraying and neutering, Treatment for Fleas, Ticks, and Heart worms and they also provide pet vaccination plus other benefits too overall it is something to go with if you have a cat or a dog that could be in need of some medical attention.

  • Katana

    I like the fact that swallowed objects are covered, it seems like that will inevitably happen to my dog Jack. A lot of pets swallow things they shouldn’t. The deductible choices are really affordable too. Exams, microchipping, and supplements are really important, that makes the insurance seem more worth it. I would go for the $250 plan that’s $18.00 per month.

  • Logan

    When looking for pet insurances I always have to check to see if chronic conditions, specifically asthma, is covered. I have a Jug (half jack russell half pug) and pugs as everyone knows are susceptible to asthmatic issues. I like that Embrace has one simple plan, and that I can set my own reimbursement levels and deductibles based only on the coverage my dog needs. This way I know I’m covered for any accidents, unforeseen health issues, or just my current main health concern which is asthma.

  • Amanda Peterson

    What I like about Embrace Pet Insurance is that they have flexible plans. I definitely have different needs for my 8-year old cat than my 1-year old dog. The add-on Wellness plan makes a lot of sense (spreading out my costs over 12-months rather than pay for annual visits and heart/flea/tick meds all at once).

  • I am very interested with this type of Insurance! I actually have two dogs, always wanted an insurance policy for them as the cost of the vet is a bit steep each year.
    The one thing I enjoy reading about is the coverage is applied right away and that many of the procedures and normal checkups for dental and flea and tick is something I’d use often. I love that it can be customized, and for someone who doesn’t make so much money, this just sounds like a wonderful plan! I really need to get this for my two dogs!

  • Morin

    Can’t wait to buy! Covering Accidents, Illnesses and Cancer Treatment plus other conditions is definitely a relief for me and my dog, making sure that at such conditions my dog will have enough attention for recovering which I didn’t do for my first dog! I give you 10/10 when it comes to customer satisfaction with your services! keep up!

  • Aleathea Wiggins

    I’m glad I found out about this pet insurance so I can share this information with my mother. She’s retired and on a fixed income. She’s expressed concern about the cost of the medical treatment and prescriptions that she needs for her fox terrier. She’ll be glad to learn that this insurance company will allow her to customize a plan to fit her budgetary needs, especially since there were times that she had to postpone treatment for her dog because it was too expensive. She’s even considered giving him away. Pets are extremely important for senior citizens living alone. I’m so glad that this plan will make it possible for her to afford proper treatment for her dog.

  • Diana O

    I’m currently shopping for pet insurance for our small zoo and after reading about Embrace – I wish I could sign our human family up as well. The range of plans, monthly premiums ($9-$125/mo), copays and deductibles ($100-$1,000) is great – especially being able to add on the wellness rewards plan and eliminating all co-pays and deductibles. Vet bills take a huge chunk out of our income and are near impossible to budget for so being able to make a monthly payment and know that you’re covered for anything that may happen is refreshing and reassuring. I only wish I had known of this a year ago when our beloved dog came down with cancer and we weren’t financially able to afford the treatments. If we’d had Embrace our beloved Blue might still be here with us.

  • Shirley Combs Fields

    My daughter does not have children but her pets are like her children. Embrace Pet insurance is better than the insurance I have for my daughter. If her cats are sick it hurts her heart and I hate that. I’m so glad there is a pet insurance out that like Embrace that has options that fit her budget and help her take care of her fur babies. Vet approved, covers so many possibilities and keeps her babies happy and her with one plan that will cover everything. Thank you for helping my baby to keep her fur babies healthy.

  • Abby

    This insurance was a must for my one year- old chihuahua, Fifi. Honestly, I was struggling with giving her the care she needed because of the cost. Ever since I have discovered this insurance, I feel more at peace with the thought of taking Fifi to the vet. I chose this insurance because they truly cover a lot. The price is extremely affordable and I no longer hesitate to take my dog to the vet.

  • Gavin

    It’s so awesome that Embrace charges the deductible before the copay. When your domesticated feline and canines are senior citizens, their healthcare expenses start to add up quick. Last year, we had to put our dog down because, even with our current “insurance provider,” the costs for blood work and new medication would have been through the roof. But Embrace covers accidents, dental trauma, AND cancer treatment on top of that? The dog may be gone, but our ancient and portly cat is still with us. Under our current provider, if he gets a tumor, gets fleas again, or even starts to complain of a toothache, it’s gonna break the bank. We’re going to look into switching to Embrace tomorrow!

  • Donald Dingerson

    I’m very impressed with both the level of coverage offered and the fact that you can customize your monthly premium without sacrificing benefits. I worked in the insurance industry before and this is not how it usually works, lower premiums almost always result in some sacrifice in benefits. I’m also very impressed with the extensive coverage of alternative treatments. Embrace seems to have a solid understanding of what pet owners today want. I am more likely to want to try an alternative therapy for my dog before subjecting him to pharmaceuticals, it’s nice to know Embrace shares that belief. I’m definitely requesting a quote today.

  • Brandon

    My fiancee and I took in a kitten not too long ago, though we were unable to keep her long. She was incredibly sick and our local vet could not offer the medicated food she required. The shelter took her in, thankfully. It’s too bad we didn’t know about Embrace Pet Insurance before then. It could have helped us keep our little cutie.

  • Bedan Kago

    It is amazing that Pet Insurance U covers accident and surgical treatment for pets. I have struggled in the past when my puppy swallowed objects and finally rested in peace. it was a painful moment. Pet Insurance U is a better way now that this will never happen again. Especially the fact that the yearly deductibles are affordable starting from $100.

  • Saiful

    The insurance provided is a no-brainer considering the price quote and things that are covered. Honestly, I will recommend this pet insurance to my cousin since she own a cat. Bet she wouldn’t be more happier with this as her cat getting very sick lately and total expenses for medication is very high. I’m sure this would help her more or less. 🙂

  • Tamale henry duke

    Nothing struck me more than the fact Embrace insurance also covers cancer treatments! A cancer specialist myself, I am very well aware of ‘funny cancers’ that can spring up in our lovely pets! A brother of mine who lives with his two German-Shepherds enjoys this coverage – knowing that nothing can stop his ‘buddies’, not even cancer! The fact that he always gets the required information handy and timely is always a plus. He knows that his buddies are always well taken care of, and nothing can take him off the very best pet insurance for them!

  • Anna Pollak

    I actually felt like I couldn’t trust anyone with the life of my pet anymore. The Insurance I had for my lovely Malteser Charly let us down when he was suffering a hip dysplasia. That’s why I was more than surprised when I found Pet Insurance and they actually care to help! It really seems like to them, it’s not about the money, it’s about the well-being of your pet and for that, me and Charly are really grateful. That mentality is exactly what I was looking for, because trust is generally known something to be earned and it seems to me, Pet Insurance will do just that.

  • Johnathan

    I wish this was a thought that came to mind when I owned my first pet, a cockatiel. He got so sick very quickly one weekend, retreated to the shadows of his cage, moved slowly and looked just miserable. The resources I needed weren’t in line. It wasn’t something I thought about. And I didn’t know how the insurance industry worked for pets. You don’t see commercials for this kind of stuff, and when you do it’s usually just cats and dogs you see portrayed. Never knew about pet insurance. Sure, there are vets out there but I had no idea how this world worked. Looking over this article makes coverage seem pretty simple and affordable. The monthly payments are not cost prohibitive, and there can be one simple plan that is easily adjustable.

  • Lilly Laili

    Before this I did not know about the existence of insurance for pet until I found Pet Insurance U and I really need to know more about this insurance and pet healthcare. Moreover, they did treatment for fleas, ticks, and heart worms and as we know kitten are very sensitive and really need an attention to take a good care of them. My kitten suffer with fleas all over its body and due to that reason I need shampoo for skin and fur problems because we live in humidity place and I really grateful Pet Insurance U have more than that. Thank You.

  • Carol Dixon

    I am so impressed with the amount of procedures that this plan covers. I have had pet insurance for our two dogs with another well known pet insurance company only to find out that when we needed it, the procedures were not covered. Needless to say this left us out of money and out of options. After doing some research I found how great the reviews were and how awesome the claims pay out experience was. I will never again trust another company with the health of my pets.

  • Mandie Morrison

    Okay, so, a bit of backstory. I have five cats. I am also a director for a local animal rescue so things can get pretty darn hectic sometimes. Kittens…kittens…more kittens…followed by kittens…lol. Lots of adoptions. I admittedly don’t have the best history with pet insurance companies, having one completely leave me in the lurch because of some small print that said if my dog was engaging in *any* form of exercise he wasn’t covered (what does that even mean?) so I was hesitant. I feel like with my experience I know enough about animal healthcare to judge issues, so I dug into the information. I was pleasantly surprised to find that this plan is refreshingly jam-packed with features and the premiums are honestly not too bad – between $9 and $125 really isn’t that bad compared to vet care. The last time I had an emergency vet visit for a blocked urethra I ended up with a bill to the tune of almost 4,000 after all was said and done… a 20 percent copay would have been an absolute blessing! I can see how easy it is to find something you can afford, and that’s a big deal when you have 5 cats lol. It’s almost perfect for multi-pet households because the higher the number of pets, the more likely it is for you to have an eventual health issue…but no two plans are alike…so here’s what I liked.

    Things I especially loved in relation to other plans:

    – The exam, vacc, bloodwork and dental coverage. People, I cannot tell you enough how IMPORTANT and EXPENSIVE regular dental can be. Ideally your cat should have an oral exam each time they’re in OR a cleaning 1-2x per year. With cats ranging in age from 1 to 10 tooth care is a big thing in our house.

    – The natural supplements. Sure, they aren’t a replacement for regular care, but in some cases they absolutely help. One of our cats who died at the age of 20 (prior to this situation unfortunately) benefitted greatly from supplements for his fur because he had terribly dry skin.

    – The professional behavior training. Animals are complex beasts and sometimes you can’t determine exactly what’s going on, especially in multi-pet households. Invaluable if you’re having a behavioral problem with a dog, and sometimes even if you have a cat who is peeing inappropriately or fighting with another animal.

    – The laser. I am a BIG supporter of laser because I have seen first-hand how much it can help.

    – Microchips. People…if your cat gets out, this CAN and DOES help them find their way home. Just do it! Best investment you’ll ever make. I have seen microchips bring pets back to parents two years after the fact. A microchip is for life!

    So, to wrap up, I believe this plan would work really well for us. I am a practical person – the type who, when they see an offer, is immediately skeptical and puts on their glasses to spy at the fine print…LOL. With that said, I went into this expecting to find something similar to what I’ve experienced, but pleasingly, nothing could be further from the truth. Is it an insurance plan? Yes, of course. Does it come with stipulations? Yes, of course. But they are reasonable and the company seems incredibly forthright, and the sheer number of procedures this policy covers is staggering compared to most. All in all I would say this policy’s worth it!

  • Rebecca Olsen

    I’m really impressed by the list of inclusions that Embrace insurance is able to provide. Having had a dog that suffered terribly with skin conditions, I can vouch for how expensive prescriptions shampoo can be!! This alone would have been worth the price of insurance. The fact that they also include things like dental work and even behaviour training puts the to the top of my list. If you’re looking for insurance, it’s best to get it when you first get your puppy – this policy (like every other policy I’ve looked at) doesn’t cover pre-exisiting conditions.

  • Nicole Martins Ferreira

    I just bought a pug so I’ve been looking for an insurance company since they’re known for getting sick. I love that you cover asthma as my local vet recommended an insurance company that didn’t offer it. You never know what ailment will affect your pet. Pugs have issues ranging from difficulty breathing to blindness. I’m glad you cover the issues that actually affect them. I’m so glad I found your company. It’s better to be safe than sorry!

  • Adrianne

    The coverage provided by the Embrace plan is incredible. As a first time dog owner, my sister is wishing she’d looked into pet insurance when she got her puppies. Her adorable English and French Bull Dogs have cost her more money than she expected. This plan would have covered the professional behavior training she ended up paying for when she needed to find a way to teach the French Bull Dog to not bark. In addition to that, even with the premium, this plan would have saved her a small fortune when they found out that the English Bull Dog was allergic to regular dog food and needed prescription dog food. With everything this plan covers it is completely worth it in my opinion.

  • heidi medina

    I am impressed that Embrace plans actually cover homeopathic types of treatments for my pup, as well as the usual types. I prefer to use natural treatments for both myself and my pup as much as possible, so this is a good selling point for me. The wellness plan add on also allows for some discount on wellness treatments which is a nice bonus since I am spending the money on heartworm treatments and training anyway. The basic plan saves $34 a year on $250 worth of wellness, while the top plan saves over $86.00 off what I would be spending anyway. I prefer having insurance on my pet after an accident when a past pup managed to get a broken leg from chasing cars. The emergency vet bill alone was over $1,000 to set his leg and then with surgery and therapy, the final bill was over $3,000. We paid it but pet insurance could have saved us a big chunk of money.

  • Carl E Reid, CSI

    Similar to human health insurance plans Embrace Pet Insurance provides comprehensive healthcare coverage plan that protects a pet in the case of accidents, injuries, illnesses, and hereditary or congenital conditions. Getting 90% back on all approved vet bills allows for better management of pet health costs. I remember one holiday when our cat got sick and we spent almost $1600 for several treatments and multiple visits. Not only was it not fun, there were no holiday gifts that year. Similar to the healthcare plan my wife and I have, I especially like the Wellness Rewards plan that offers 100% reimbursement with zero deductible and no co-pay. Just like our children, I’m glad there is finally a pet health coverage plan for those unexpected accidents. This type of pet health coverage is especially crucial when pets are young puppies and kittens during that curious age that causes injuries due to them getting into unexpected places.

  • Labatos

    I’m happy to have read this review! Pet Insurance U has unique flexibility from other companies. The lack of co pay and deductibles is incredibly exciting and could lower my dog’s expenses considerably! The offered range from homeopathic to cancer treatments is impressice

  • AmbersAttic

    A little over a year ago, my shih tzu was attacked by a neighbor’s dog. This coverage would have been great at the time because our out of pocket cost was expensive! I will definitely be considering this insurance. I am especially interested in the wellness rewards coverage since it includes flea and tick prevention, wellness checks and vaccines.

  • Christayla Vassar

    Embrace sounds like a great pet insurance company. Not only do they cover genetic conditions, they also cover spaying and neutering, cancer treatments, and even vaccinations! They charge your deductible first, then your co-pay. They help save you money! Embrace Pet Insurance sounds like a great deal to cover any vet bills! My family’s dog, Rocket, was a basset hound/lab, or a bassador, rescue. She’ll be do for her shots soon and I have always wondered if pet insurance was worth it. I’m thinking it might be now!

  • Jackie Pearce

    I love the no copay option! When my dog got severely sick a few years ago, dealing with that both financially and emotionally was a nightmare. She ended up okay (thankfully!), but it made me realize how much she needs pet insurance ASAP. I’m glad I found this because I need a better option!

  • I wish that I had known about Embrace Pet Insurance when my pitbull, Niles, swallowed part of a kong. He’s a power chewer and I had given him a black kong thinking it would keep him busy. He managed to swallow a large piece of it before I realized what he was doing. I had to take him to the emergency clinic for surgery and an overnight stay and the total bill was approximately $2500. I could have saved a bundle. Sadly, my cat has become diabetic so it is too late to insure her, since the condition is pre-existing, but if I’d had the foresight to buy an insurance policy, I wouldn’t get that slap in the face every time we visit the vet for her checkups and insulin.

  • Joy Hagan

    The Embrace Pet Insurance is such a practical way to insure the health and well being of your beloved pets. What a great concept to have all of your pets medical needs covered in one plan! Having the flexibility to choose 70%, 80% or 90% reimbursement can be tailor made for any pet owners’ budget. Additionally, to be able to select your own deductible amount, to adjust your monthly payments – deductibles ranging from $100 to $1000 – is such a simple way to customize your individual budget. To have one core plan that protects your pet in case of accidents, injuries, illnesses, genetic and chronic conditions gives such peace of mind concerning being able to provide top quality health care of your pet!

  • Grace

    I LOVE how they apply the co-pay after the deductible! I just got a new Labrador puppy and will be looking to get her spayed soon, and am definitely considering Embrace. They seem to offer much more than a lot of other pet insurance companies, and for cheaper too!

  • Victória Reis Silveira

    I own two wonderful little cats, and I want the best for them. Because of that, and after searching a lot, I’ve found that the services by Embrace Pet Insurance are the best! Their way of charging deductibles and co-pays is the most fair system I’ve found, and their prices are already worth it. Also, they cover a variety of possible problems (especially if you get the Wellness program too), which guarantees that your pets are safe and will get the best treatment.

  • Joe Testa

    I love this plan because it is so flexible. One plan and I get to customize the terms, setting my own reimbursement levels and deductibles. The coverage is comprehensive and includes accidents, which can happen anytime with a pet, and cancer, which happens more often than we like to think about. It also includes wellness coverage and alternative therapies, so you really do have a wide range of options for taking care of your pet. My cat has a hypothyroid problem and this plan is perfect to give me peace of mind.

  • Ava Gale

    Embrace Pet Insurance is great news for all pet lovers. Covering a wide range of pet health issues such as accidents, illnesses, genetic and chronic conditions, dental trauma and cancer treatment, there is not doubt that this insurance package will be on the lips of every pet owner soon. You also get 90% of the total cost back which further emphases just how affordable this is.Plus the initial cost really isn’t that much. I love my pets and I am just thrilled to have found such a good deal. Embrace Pet Insurance really cares about your pets.

  • Stephanie Brown

    I wish that Embrace had been around years ago. I had no idea that anyone covered prescription pet food. Along with their coverage for dental care, this insurance would have saved me quite a bit with my cat. After having surgery for calcium deposits, Kenne had to be on a special diet for the rest of his life. With other cats at home, it got pricey buying food for everyone. Having their Wellness Rewards Plan would have helped out quite a bit. Pet insurance has finally evolved!

  • Kimberly Hiew

    Wow is the word for Embrace Pet Insurance. Not only is it flexible on my budget but I can even save with applying my deductible first to reduce the cost of my vet bill. We all know how expensive those can be. I wish I knew of Embrace Pet Insurance earlier, that way my late doberman, Cayenne, of 11 years would be able to receive better treatment that I couldn’t afford. She had arthritis, which is a common disease in Dobermans; Embrace Pet Insurance would have been great help as they cover genetic conditions in their core plan. Now I got Embrace Pet Insurance and top it up with the Embrace Wellness Rewards plan for my new husky, Tomoyo, and it’s helping with the bills for her vaccinations and later for her spaying. I’m also considering it as a long term plan for when Tomoyo grows older and have other illnesses, the Wellness Rewards plan would be great as it offers 100% reimbursement with zero deductible and no co-pay. So glad I came across this insurance plan.

  • Shernette Whyte

    I’ve never really thought about pet insurance and now Embrace has me interested – only not for me but for my sister-in-law who has a shitsu-poodle. The rates look great for what the deductibles will be depending on a person’s budget. The range of coverage is also good, covering medication, blood tests, injuries and illnesses. What really caught my attention is what was said about the coverage being the same irrespective of premium amount selected. I do not think our pets should be left to suffer simply because you selected a lower rate. I’ll be telling my relatives who have pets about this great deal to keep their pets sound and healthy.


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