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Embrace Pet Insurance Review

Embrace keeps pet insurance refreshingly simple with one core plan that you personalize to meet your budget.

Their customizable plan protects your pet in the case of accidents, injuries, illnesses, and hereditary or congenital conditions. Alternative therapies, emergencies, nursing care, surgeries, rehabilitation, and diagnostic testing are also included in the core plan.

Embrace Pet Insurance ranks in our top 3 for generous coverage payouts, extensive genetic and congenital health coverage, and the best wellness program. For more details about Embrace, continue reading our complete review below.

Embrace Pet Insurance

Embrace pet insurance logoEmbrace’s standard plan covers most of the usual accidents and illness health conditions as other pet insurance companies.  What isn’t typical of most is their inclusion of prosthetics, alternative therapies and even prescription medication.

You can budget and personalize your plan according to you and your pet’s needs.

Boost your plan with optional wellness coverage that takes care of routine care and procedures for your pet.

The Wellness Rewards option also works gives you a choice of $250 to $650 to use to cover the following:

However, this is an add-on to an existing policy, and you can’t purchase wellness coverage without an accident and illness policy.

Embrace has 3 different wellness coverage a year from $250 to $650 to use towards the different procedures.

What also makes Embrace unique is holistic and alternative vets are among the choices of veterinarians in all standard policies. This also gives you the choice of bringing your pet to a chiropractor.

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance
4.7 out of 5

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Hereditary & Congenital Conditions

Hereditary and congenital conditions are generally usually from a birth defect that is transmitted by the dog or cats parents.  These gene defects run in families and some cat and dog breeds have many more of them than others, which is why it is called breed-specific condition.

These conditions can take years to develop and when they do show signs, as your pets’ age, it can be very expensive to treat them. An Embrace plan will pay your veterinary bills if your pet develops one as long as they are not what is called pre-existing.

Treatment for many these conditions requires corrective surgery, and some are chronic conditions that require ongoing care.

Some of the more common conditions are the following:  elbow and hip dysplasia issues, cancer, patella issues and even intervertebral disc disease.

All Embrace illness and accident policies fully cover hereditary conditions with no per-incident or per-condition limits. You do not pay extra for this coverage.

Chronic Conditions

Embrace offers coverage for chronic conditions, like ear infections, allergies, renal failure, and cancer.

When your pet visits the vet for an accident or illness, Embrace will pay for diagnostic treatment, testing, and prescription medications. If your pet requires surgery, they cover surgery and hospitalization.

Embrace also covers hospital and specialty care, x-rays, and even behavioral therapy.

Additionally, if your pet needs specialist care for an illness like cancer, Embrace will cover that as well.

Alternative Care Treatments

Embrace, like Healthy Paws, is one of the few providers to cover alternative treatments in their most basic plan.

Alternative treatments that are included in their plans:

  • Acupuncture
  • Chiropractor Visits
  • Physical Therapists
  • Hydrotherapy
  • Laser Therapy

Customize Your Embrace Pet Insurance Plan

Embrace allows you to choose from a variety of different customizable options which is a nice feature.

Benefit Limit Options

Because policyholders can choose their benefit limit, it can help to lower the monthly premiums. This could be a good choice if you have a dog or cat this is still young.

The benefit limits range from a low of $5,000 to a high of $30,000 online or unlimited via a phone enrollment.

If your dog or cat has any surgery or even incident, you could easily hit that limit with one bill and can make it somewhat limiting.

Healthy Paws, for example, and some other pet insurance providers, have an unlimited benefit schedule.

Choose Your Reimbursement Percentage

Embrace’s policies are customized to fit your budget with reimbursement choices ranging from as low as 70% to their top reimbursement of 90%.

You can lower your monthly premiums by choosing a lower reimbursement percentage

If you choose a Wellness program with Embrace, they offer three options: $250, 450 or up to $650 allowance per policy year.

Younger pets (puppies and kittens) require more vet visits their first year, so $650 is a good option for them, an older pet might need the middle or $450 option.  It’s a nice addition to have that flexibility in a Wellness program.

Embrace Offers Mulitple Deductible Types

Embrace offers many different annual deductibles from a low of $200 to the highest of $1,000.

Annual deductibles mean that you only have to meet your deductible once per year and is usually our preferred choice.

Policyholders also can save with what is called Embrace’s Healthy Pet Deductible.  The program will decrease your annual deductible by $50 if you don’t receive a reimbursement that policy year.

Healthy Pet Deductible applies only to accident and illness claims not wellness rewards.

If you want a lower premium, than opt for the higher deductible.

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance
4.7 out of 5

Fetch a Quote

How Much Does Embrace Pet Insurance Cost?

Embrace’s monthly premium costs are a little more than the other pet insurance companies, but you do get broader coverage with the standard plan. And because of the wider range of options available, you can really budget accordingly and lower your premiums.

The starting monthly premiums for most dogs is approximately $13 and $9 for cats.

And as with all pet insurance companies, the price can be affected by the breed of your pet, where you live and the age of your pet.

Embrace members can get a 5% discount for: military personnel, paying directly from your bank (only available in NY), neutered or spayed pets (only available in NY) and if you enroll more than just one dog or cat.

Embrace members can get a 10% discount for a multi-pet policy (only 5% available in NY).

Enrollment And Waiting Period

Embrace’s waiting periods are 14 days for illnesses and 2 days for accidents in all states.

You can enroll your puppy or kitten at six weeks old with 14 years being the oldest age to enroll.

Orthopedic conditions have a 6 month waiting period but there is an option to reduce this wait to only 2 weeks.

Embrace requires that you take your pet for a visit within the 12 months prior to enrolling or a visit within the 14 day waiting period.

Embrace will automatically renew your policy unless you notify them via e-mail or phone that you wish to make changes or cancel your policy.  If you need to change or modify your plan, email or call them 2 to 4 weeks before the renewal date.

How To File A Claim With Embrace

A claim is really easy to submit.  You just download the claim form from the site or they can mail the form to you.  A staff member at your vet needs to sign it and you should include all the bills and receipts.

Embrace also has the option of direct deposit so you can reimbursed quickly.

Claim forms can be submitted through what is called MyEmbrace, their account on-line.  You can also call them or of have the form faxed to your vet. You can check the status of your claim in your MyEmbrace account.

Wellness claims usually take five business days to process following the receipt of all of the necessary information. Illness and accident claims usually take 10-15 business days to process following the receipt of all of the necessary information.

Embrace Pet Insurance also offers unlimited access to this complimentary service called PawSupport. PawSuuport is their 24/7 pet helpline providing instant, real-time access to veterinary experts.  PetsBest has a similar 24/7 help-line which is always nice to have!

PawSupport helps pet parents with questions about their pet’s behavioral changes, possible poisoning, signs of an emergency, and more. WhiskerDocs pet experts offer guidance on when, where, and how to use healthcare resources appropriately (but will not diagnose your pet).

It’s a nice addition to have if your pet has an after-hours emergency.

Embrace Pet Insurance Customer Experience

The average Embrace Pet Insurance customer rated them 4.7 out of 5. 

Here are some Embrace customer reviews:

“Embrace is 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 insurance

We’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’s Philanthropy

Embrace donates $2 to an animal-related charity with every new pet policy, $10 to Woodward Animal Center for every pet that passes and also have a Foster Cat Program to provide temporary housing for cats and kittens in partnership with local rescues and shelters!


What is the difference between Embrace’s plans?

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.

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 annual 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.

You can see how Embrace fares to the other pet insurance companies that we reviewed by taking a look at our pet comparison chart.

What are the Wellness program options with Embrace?

If you choose a Wellness program with Embrace, they offer three options: $250, 450, or up to $650 allowance per policy year.  Younger pets (puppies and kittens) require more vet visits their first year, so $650 is a good option for them and older pet might need the middle or $450 option.

What is not covered with Embrace?

Similar to most pet insurance policies, Embrace does not cover:

  • Routine veterinary care (unless you purchase the wellness program addition)
  • pre-existing conditions
  • breeding
  • pregnancy
  • injury deliberately by you or any other person residing in your home or from fighting, racing, cruelty, or neglect
  • cosmetic procedures such as tail docking, ear cropping, and declaw removal unless medically necessary
  • DNA testing or cloning
  • stem cell therapy that isn’t medically necessary
  • avian flu

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance
4.7 out of 5

Fetch a Quote

  1. Reply
    Chrissy 11/29/2015 at 4:09 am

    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!

    • Reply
      Pet Insurance U 01/21/2016 at 7:36 am

      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!

  2. Reply
    Patti 11/30/2015 at 8:43 am

    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.

    • Reply
      Pet Insurance U 01/21/2016 at 7:41 am

      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!

  3. Reply
    Julian Holst 12/30/2015 at 1:50 am

    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. 🙂

    • Reply
      Embrace Sucks 10/06/2016 at 5:58 am

      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.

    • Reply
      Pet Insurance U 01/21/2016 at 7:43 am

      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!

  4. Reply
    Victoria Nahley 02/15/2016 at 9:43 am

    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!

    • Reply
      Anonymous 07/09/2017 at 7:16 pm

      Add up your premium costs and subtract it from the maximum benefit to determine if it is really worth it. If you would do all those things each year you come out a little bit ahead, but if you wouldn’t otherwise and are doing them just because the are “covered”, or think the claims process is worth the small difference, then you might want to reconsider.

    • Reply
      Serena 02/19/2016 at 8:22 am

      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!

  5. Reply
    Kendra Justine 02/15/2016 at 12:30 pm

    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!

  6. Reply
    Anastacia 02/15/2016 at 7:30 pm

    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!

    • Reply
      Justina Roberts 02/15/2016 at 7:57 pm

      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.

  7. Reply
    john 02/15/2016 at 8:31 pm

    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!

  8. Reply
    Dana Gore 02/16/2016 at 12:19 am

    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.

  9. Reply
    Graysse 02/16/2016 at 1:11 am

    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.

  10. Reply
    ronline betit 02/18/2016 at 5:58 am

    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.

  11. Reply
    Sharon James 02/19/2016 at 8:18 am

    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.

  12. Reply
    Benny R. 02/19/2016 at 8:20 am

    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.

  13. Reply
    Ujjal Karmakar 02/19/2016 at 8:54 pm

    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.

  14. Reply
    Lirodin 02/28/2016 at 3:21 pm

    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!

  15. Reply
    Jennifer 02/28/2016 at 3:39 pm

    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.

    • Reply
      Pet Insurance U 12/01/2016 at 10:15 pm

      Jennifer, yes cancer treatments are covered. I am glad that Embrace is working for you. We try to do everything we can possible to continue to get the word out online. It is our job to constantly keep yo informed and updated. Again, I am glad you found out about Embrace and it is working for you. If you ever have any other questions, or concerns let us know.

  16. Reply
    Kendra Justine 03/01/2016 at 12:03 am

    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!

  17. Reply
    Ivelina Borislavova 03/02/2016 at 1:55 am

    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.

  18. Reply
    King-Galaxius Stravinsky 03/18/2016 at 3:48 am

    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!

  19. Reply
    Momi Nul 03/20/2016 at 1:32 pm

    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.

  20. Reply
    comment_blog 03/22/2016 at 9:47 pm

    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.

  21. Reply
    Hardeep Singh 03/26/2016 at 11:01 am

    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!!!

  22. Reply
    Sissy MacDougall 03/29/2016 at 12:31 am

    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!

    • Reply
      Fran 04/03/2016 at 4:08 pm

      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.

  23. Reply
    Fran 04/03/2016 at 2:43 pm

    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.

  24. Reply
    Becca 10/22/2016 at 6:23 am

    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.

  25. Reply
    Ian Conrardy 10/22/2016 at 11:34 am

    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.

  26. Reply
    Ljubinko Zivkovic 10/22/2016 at 2:06 pm

    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.

  27. Reply
    Noel Christman 10/22/2016 at 4:28 pm

    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.

  28. Reply
    The blood of Jesus 10/22/2016 at 5:34 pm

    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!

  29. Reply
    Kat Condon 10/22/2016 at 5:35 pm

    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!

  30. Reply
    Misty 10/22/2016 at 6:33 pm

    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.

  31. Reply
    Danielle Dixon 10/22/2016 at 6:51 pm

    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

  32. Reply
    Sta Geo 10/22/2016 at 9:34 pm

    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.

  33. Reply
    Ashish Ganguly 10/22/2016 at 9:55 pm

    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.

  34. Reply
    nat moore 10/22/2016 at 10:11 pm

    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.

  35. Reply
    Mls Hayat Mls 10/22/2016 at 10:13 pm

    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.

  36. Reply
    Beth 10/22/2016 at 10:18 pm

    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!

  37. Reply
    MadiA 10/22/2016 at 11:05 pm

    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.

  38. Reply
    Janice Sky 10/22/2016 at 11:54 pm

    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.

  39. Reply
    Sarah 10/23/2016 at 12:01 am

    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.

  40. Reply
    Haneef 10/23/2016 at 12:03 am

    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!

  41. Reply
    david 10/23/2016 at 12:22 am

    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.

  42. Reply
    Elizabeth Voyles 10/23/2016 at 1:04 am

    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.

  43. Reply
    Denise Hlll 10/23/2016 at 1:53 am

    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.

  44. Reply
    Hiro Mamoru 10/23/2016 at 2:05 am

    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.

  45. Reply
    Katana 10/23/2016 at 2:25 am

    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.

  46. Reply
    Logan 10/23/2016 at 3:36 am

    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.

  47. Reply
    Amanda Peterson 10/23/2016 at 7:49 am

    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).

  48. Reply
    natosha 10/23/2016 at 1:29 pm

    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!

  49. Reply
    Morin 10/23/2016 at 3:16 pm

    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!

  50. Reply
    Aleathea Wiggins 10/23/2016 at 8:08 pm

    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.

  51. Reply
    Diana O 10/23/2016 at 10:15 pm

    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.

  52. Reply
    Shirley Combs Fields 10/23/2016 at 10:46 pm

    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.

  53. Reply
    Abby 10/23/2016 at 11:41 pm

    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.

  54. Reply
    Gavin 10/24/2016 at 5:44 am

    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!

  55. Reply
    Donald Dingerson 10/24/2016 at 7:41 am

    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.

  56. Reply
    Brandon 10/24/2016 at 7:57 am

    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.

  57. Reply
    Bedan Kago 10/24/2016 at 12:51 pm

    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.

  58. Reply
    Saiful 10/24/2016 at 2:49 pm

    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. 🙂

  59. Reply
    Tamale henry duke 10/24/2016 at 4:44 pm

    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!

  60. Reply
    Anna Pollak 10/24/2016 at 5:09 pm

    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.

  61. Reply
    Johnathan 10/24/2016 at 5:22 pm

    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.

  62. Reply
    Lilly Laili 10/24/2016 at 5:43 pm

    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.

  63. Reply
    Carol Dixon 10/24/2016 at 7:27 pm

    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.

  64. Reply
    Mandie Morrison 10/24/2016 at 7:51 pm

    Okay, so, a bit of backstory. I have five cats. I am also a director for an animal rescue so things can get pretty darn hectic sometimes. I 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??) so I was hesitant. I feel like I know enough about animal healthcare that I felt I could pry out any issues. I spoke with a rep directly and asked them to be very transparent with me in regards to what was and what wasn’t covered…and sure, much like any other insurance plan, some things weren’t covered…neglect, abuse, pre-existing issues, etc. Well, the first two will never happen anyway and fortunately most of my cats are quite healthy. After going over the plan I felt like I understood; the rep didn’t try to gloss anything over or trump it up, she was just very straightforward and I have the utmost respect for that. Anyhow, at the end of the day I ended up insuring four out of five cats. Why not the fifth? He has pre-existing issues and it didn’t make sense for us to insure him, but heck four out of five isn’t bad!

    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 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 – and yes, we did it for cats! We suddenly began having a fighting problem in the house and couldn’t figure out why. We were able to consult a behavior specialist locally and it turns out a) one cat had a UTI, and b) installing more cat trees and spaces was the fix. The plan let us fix both 🙂 All good on the homefront now; no more yowling and scratching.
    – 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.

    So, to wrap up, I believe this plan is very helpful, at least to us. Is it an insurance plan? Yes, of course. Does it come with stipulations? Yes, of course. But the reps are honest and the sheer number of procedures this policy covers is staggering compared to most. We’re at the point where we’re recommending it with our rescues now prior to and at the time of adoption.

    • Reply
      Pet Insurance U 02/03/2017 at 6:58 am

      Mandie, thank you for such a generous contribution to the Embrace pet insurance review! We can’t thank you enough for all of your feedback. It means a lot to us and, most importantly, to other caring pet parents like you, who would do anything for their pets. Customer reviews are the best way for a person to tell if a pet insurance will work for their family. Your review of Embrace’s coverage and benefits is so helpful! We’re very glad to hear Embrace insurance coverage worked out well for you. Please let us know if we can ever answer any questions! (Although it seems you’ve to it all figured out) 🙂
      The entire Pet Insurance U team

  65. Reply
    Mandie Morrison 10/24/2016 at 8:16 pm

    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!

  66. Reply
    Rebecca Olsen 10/24/2016 at 8:40 pm

    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.

  67. Reply
    Nicole Martins Ferreira 10/24/2016 at 8:57 pm

    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!

  68. Reply
    Adrianne 10/24/2016 at 9:01 pm

    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.

  69. Reply
    heidi medina 10/24/2016 at 9:43 pm

    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.

  70. Reply
    Carl E Reid, CSI 10/24/2016 at 11:30 pm

    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.

  71. Reply
    Labatos 10/25/2016 at 12:31 am

    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

  72. Reply
    AmbersAttic 10/25/2016 at 12:43 am

    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.

    • Reply
      Pet Insurance U 12/29/2016 at 6:49 pm

      Amber sorry to hear about your dog that is so unfortunate. Embrace’s wellness plan is awesome, it allows your pet to remain as healthy as possible providing up to date check-ups. We really hope that this helps you along the way in the future.

  73. Reply
    Christayla Vassar 10/25/2016 at 1:23 am

    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!

    • Reply
      Pet Insurance U 12/29/2016 at 6:44 pm

      Christayla glad pour website has been able to broaden your perspective. It sounds like you have thoroughly researched and Embrace is at the top tier of your list. We are that you found out pet insurance is worth it for you and your pet.

  74. Reply
    Jackie Pearce 10/25/2016 at 3:29 am

    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!

    • Reply
      Pet Insurance U 12/24/2016 at 4:31 am

      Hi Jackie! Thanks for visiting Pet Insurance U! It’s heartbreaking when a dog gets sick, and it’s even worse when the vet bills are so expensive that you can barely afford them. We hope to provide information, such as Embrace pet insurance reviews, that let you know about your options for paying for veterinary care. Please let us know if you have any questions!

  75. Reply
    Caroline Poser 10/25/2016 at 5:31 am

    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.

    • Reply
      Pet Insurance U 12/23/2016 at 10:15 am

      Hi Caroline,
      Sorry to hear about Niles’s unfortunate accident with his toy. Sometimes those Kong’s are just too irresistible! You certainly could have saved money with pet insurance, but we’re glad to hear that Niles has a caring mom that rushed him to the vet to make him feel better. Please let us know if you have any questions regarding pet insurance reviews for Niles or your cat, and we wish them both good health! 🙂

  76. Reply
    Joy Hagan 10/25/2016 at 7:28 am

    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!

    • Reply
      Pet Insurance U 12/23/2016 at 10:11 am

      Joy, what we like most about Embrace is how flexible their plans are. They really do fit any budget without compromising the quality of care provided for your pet. Take a look at Embrace’s wellness plans if you’re interested in preventative care for your pet. And please let us know if you have any questions on pet insurance! 🙂

  77. Reply
    Grace 10/25/2016 at 8:20 am

    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!

    • Reply
      Pet Insurance U 12/23/2016 at 10:09 am

      Grace, look into Embrace’s wellness coverage, which covers spay and neuter procedures. Most insurance companies will not pay for these surgeries, so pet parents have to pay out of pocket. Embrace pet insurance wellness plan actually covers a spay or neuter, so you don’t have to budget it for it yourself. Also, it covers wellness visits to keep your pup healthy :). Thanks for your comment and good luck with your puppy!

  78. Reply
    Victória Reis Silveira 10/25/2016 at 12:39 pm

    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.

    • Reply
      Pet Insurance U 12/23/2016 at 10:07 am

      Victoria, we’re so glad to hear that you feel well cared for by Embrace for your two cats. They are lucky to have a caring pet parent like you! Embrace’s wellness coverage help keep those curious cats healthy. Thanks for your comment!

  79. Reply
    Joe Testa 10/25/2016 at 6:35 pm

    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.

    • Reply
      Pet Insurance U 12/23/2016 at 10:05 am

      Joe, thanks for your comment. We’re glad to hear you’re satisfied with the pet insurance options that Embrace provides. We also like Embrace because of the flexible, budget-friendly plans. Like you mentioned, Embrace wellness plans are a wonderful benefit for taking proactive care of your pet. Please let us know if you have any questions or if you have an update on your experience with Embrace!

  80. Reply
    Ava Gale 10/26/2016 at 12:47 am

    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.

    • Reply
      Pet Insurance U 12/01/2016 at 11:18 pm

      Ava great to hear that your pets are covered and sorry for about your husbands dog. Embrace also offers plans that cover cancer treatments. If you have any other questions or concerns feel free to drop us a line and we will get back with you as soon as possible. Glad to know you have found a plan that works for you.

  81. Reply
    Stephanie Brown 10/26/2016 at 2:13 am

    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!

    • Reply
      Pet Insurance U 12/01/2016 at 11:09 pm

      Yes, Stephanie Pet insurance has evolved and we will continue to do whatever is needed to make sure you are educated and your needs are met. Thanks for the comment 😉

  82. Reply
    Kimberly Hiew 10/26/2016 at 1:48 pm

    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.

    • Reply
      Pet Insurance U 12/01/2016 at 11:01 pm

      Kimberly, it’s great to hear that you found us and that you have found success in having your pets covered. Embrace has many types of long-term plans that can fit your budget.

  83. Reply
    Shernette Whyte 10/26/2016 at 5:37 pm

    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.

    • Reply
      Pet Insurance U 12/01/2016 at 10:57 pm

      Shernette good to know that Embrace is working for you. It is also awesome that you plan to spread this information to your relatives.

  84. Reply
    Sarah B. 10/26/2016 at 10:55 pm

    My boyfriend and I were looking for pet insurance for his dog that’s affordable for our budget. The scope of most premiums were extremely high. From our research so far, we feel Embrace has super flexible premiums that can vary depending on the needs of pets. From out experience, it’s been tough to come by insurance coverage that has the same core plan, regardless of your premium.

    We love also that it’s also verified by a professional! Would highly recommended pet owners research Embrace to see if the premiums fit their needs. We’ve heard nothing by good things 🙂

    • Reply
      Pet Insurance U 11/01/2016 at 8:20 pm

      Yes, Sara, Embrace pet insurance has flexible options to fit any pet owner’s budget. And there’s no skimping on care, either! They offer comprehensive coverage and even provide wellness options (including dental). They’re certainly one of the best, and for good reason!

  85. Reply
    Valery Elias 10/27/2016 at 2:35 am

    I have been looking for a comprehensive pet insurance plan for my dog Bailey. She has had neurological problems and Embrace insurance covers much of her treatment. I am especially impressed that the Embrace plan covers her pre-existing condition. This was a huge concern for me. This is a cost effective pet insurance company and I look forward to using them.

    • Reply
      Pet Insurance U 11/01/2016 at 8:19 pm

      Hi Valery, we’re glad to hear you found that Embrace pet insurance is a good option for Bailey. Most insurance companies don’t cover pre-existing conditions, so it’s great the Embrace plans will work for you (and her!). Embrace has options for deductibles and monthly premiums to fit most budgets, and their customer service reviews are consistently high. You’re in good hands with Embrace!

  86. Reply
    Tara Echo 10/27/2016 at 2:42 am

    I believe if you own a pet, you should have insurance for them. They are just like your child(ren)! I like that Embrace lets you chose your reimbursement percentage and what deductible best suits your financial needs. I have to say one of my favorite features is it helps with Professional Behavior Training! I could have used that when my Schnauzer/Chihuahua mix was a puppy. He’s now almost 3 and I don’t think he would benefit from that, but he has no pre-existing conditions, so I am going to see what my budget will allow for me to start him up on Embrace.

    • Reply
      Pet Insurance U 12/01/2016 at 10:08 pm

      Tara thanks for your comment and personal insight. I completely agree that pet are like members of the family and all family members should be covered. I also understand where you are coming from about your 3-year-old puppy. Remember, it is never to late to cover your pet; anything could happen and Embrace definitely has several plans to fit your budget.

    • Reply
      Pet Insurance U 11/01/2016 at 8:13 pm

      Yes, Tara, we agree! In our minds, pets are just like kids (and they think so too). Most people aren’t aware that Embrace helps with behavior training; it’s a wonderful option for pet owners who want to care for their pets in every way policy. Additionally, Embrace pet insurance covers preventative care and dental care in some of its plans.

  87. Reply
    Robert 10/27/2016 at 3:40 am

    I don’t know why i did hear about this insurance company much earlier, but now that i know will apply for the embrace plan for my dog Lassy, the plan is wide ranging from vaccination to behavioral training and many others. With the embraces plan i can give my dog the medical treatment. Well done

    • Reply
      Pet Insurance U 11/01/2016 at 8:11 pm

      Thanks fro your comment, Robert. Pet insurance is relatively new, and we’re sure glad it’s available. It takes the fear away from taking your dog to the vet when he is sick. Embrace pet insurance is a good option for pet owners who are looking for flexible policy costs and preventative care coverage. Let us know if you have any questions!

  88. Reply
    CrochetBlogger 10/27/2016 at 4:21 am

    It sounds like there are so many options to choose from in terms of the payment system that works for you. My own dog currently has health insurance with another company with a 90% back plan that I really love, so I would probably select that myself but can see why others would choose only 70% or 80% with a lower monthly payment. The fact that there are also six different deductibles really makes it seem like there is an option that suits most budgets. It seems like a whole lot of pet expenses are covered here and I especially love that it incorporates dental; my human health insurance doesn’t even do that!

    • Reply
      Pet Insurance U 11/01/2016 at 8:10 pm

      We agree, why can’t we get dental coverage with our human health plans?! Pet health insurance os a wonderful option for pet owners who want to take good care of their pets. Embrace offers flexible policies for any budget, and has quick claim turnaround time and great customer service. They’re a wonderful resource for pet health care!

  89. Reply
    April Law 10/27/2016 at 5:46 am

    Embrace pet insurance is the company I wish I’d known about years ago. My best friend had a small dog named Lola. She accidentally ingested a turkey bone and was bleeding internally. My friend had a wellness plan through Banfield and took her dog for emergency treatment. However they informed her that without an upfront cost of $2,000 they would not be able to help her or her dog. Luckily her dog lived but I’m pretty sure that if she or I knew of embrace pet insurance and the fact that 1 simple plan covers so much and that it’s so affordable we would have joined right away. I’m going to talk to my husband about joining right now!

    • Reply
      Pet Insurance U 11/01/2016 at 8:08 pm

      Hi April. Unfortunately, plans like Banfield’s only offer discounts on their in house services but don’t do much in the way of covering vet emergencies or helping pet owners with the larger expenses. It’s unfortunate because well intended pet owners don’t know this until it’s too late…when the vet bills are very high. Embrace pet insurance is a great option because it provides for accident/injury coverage as well as preventative coverage.

  90. Reply
    Karen Castillo 10/27/2016 at 6:23 am

    I have dog that I’ve had to pay out of pocket for at the vet’s office and If I knew about this insurance I would have saved so much money! I especially like that you can choose your monthly payments by choosing a deductible, reimbursements, and annual payout limits that you can afford. Embrace’s deductibles are $100, $200, $300, $500, $750, or $1000 per year. Also, there is no waiting period so you can use the coverage immediately. Which is awesome because I always want to make sure my fur baby is doing great and is healthy. I will be purchasing insurance for my dog because he isn’t just my dog he is my family and you always take care of family!

    • Reply
      Pet Insurance U 11/01/2016 at 8:06 pm

      Hi Karen. Embrace pet insurance is somewhat unique in that it has flexible deductibles and monthly payments, so pet owners of any budget can take good care of their pet. And we’re with you, pets are family, and we take care of family!

  91. Reply
    Wendy Zong 10/27/2016 at 7:33 am

    I would definitely recommend this to my friend who is a dog lover. She owns a lot of dogs which she takes care of with her heart. What I love about Embrace Pet Insurance is that they cover the small things like skin and fur care, dental care, fleas treatment and vaccinations. My friend once told me that it was those small expenses with her numerous pets that could accumulate into bigger cost, but with these coverage, it will surely give her some ease. The flexible deductible and monthly quote is surely helpful, too. We can adjust the plan that we want to take, according to our financial capability. This insurance is a winner!

    • Reply
      Pet Insurance U 11/01/2016 at 8:05 pm

      Yes, Wendy, that’s a good point about Embrace’s coverage. A lot of pet health insurance companies don’t cover the small things, but those really start to add up. And in healthy pets, sometimes they’re the only cost! Glad you’ve found something you can recommend your friend. Let us know if you have any questions or how we can help!

  92. Reply
    runningxwolves 10/27/2016 at 10:37 am

    Ok…I’m totally getting this. I’m in the process of adopting a dog, and want to make sure he’s set in terms of health + wellness before bringing him home. Honestly, I never even thought about pet insurance, as I don’t recall it existing in the 80’s! (when we had my german shepherd Hercules, RIP @ ripe age of 14). I’m insurance illiterate, and this plan seems really easy to understand, even for me. I will probably get the wellness coverage add on. I like these all-inclusive deals so I don’t have to worry about much…okay, done. Now, time to go pick out a big fluffy bed and toys lol.

    • Reply
      Pet Insurance U 11/01/2016 at 8:04 pm

      Big fluffy bed and toys first then pet insurance haha (at least that’s what your dog prefers!). It’s pretty amazing the options that are available in terms of pet health care now, who would have thought we would have such a thing as pet health insurance?! Embrace wellness coverage is a great option for caring for a pet BEFORE they get sick too. I don’t even think humans have it that good! 🙂

  93. Reply
    Mohd Ridzaha 10/27/2016 at 1:46 pm

    Embrace keeps pet insurance refreshingly simple with one core plan that you customize to meet your individual budget..this is very perfect planning in this company..i did’t see the others company like this company..some more this company also have zero deductible and no co-pay..is very interesting..getting this for my lovely cat..i agree with this insurance is better than mine

    • Reply
      Pet Insurance U 11/01/2016 at 8:02 pm

      Mohd, we’re glad to hear the Embrace pet insurance has options that work for you and your cat!

  94. Reply
    Natasha Kayes 10/27/2016 at 7:00 pm

    I have been searching for affordable insurance for my 5-year-old pug mix, Ruby. She is in really good health, but you never know when something might happen, and finding a comprehensive plan that covers things like alternative therapies, surgeries AND rehabilitation with up to 90% reimbursement is almost unheard of (at least in my search!) I love the fact that you customize the plan to fit your needs and budget with so many options for deductibles, annual limits and reimbursement amounts. And a wellness plan that would pretty much pay for itself with routine care? I’m sold.

    • Reply
      Pet Insurance U 10/31/2016 at 3:10 am

      Natasha, pet insurance is a great option for Ruby. She’s in good health, and Embrace wellness coverage can help keep her that way! We agree, it’s great that they provide options for every budget. Let us know if you have any questions!

  95. Reply
    Tiffany Lewing 10/27/2016 at 7:47 pm

    I can’t believe they have such a simple and easy to understand single plan, to be honest when it comes to insurance of any kind and what you can and can’t do with it can be a bit confusing for me. I have an American Boxer (BamBam) and the vet told me cancer is one of the most common ailments for his breed so I think it’s wonderful that this insurance covers treatments because I do worry about him he is my baby. They even let you choose your deductible and reimbursement percentages, which is great if you want your pets to be taken care of but aren’t able to pay high monthly costs I am so glad I ran across this pet insurance!.

    • Reply
      Pet Insurance U 10/31/2016 at 3:09 am

      Tiffany, we’re hoping to make the process of sorting through pet insurance companies a lot easier. Let us know how we’re doing! BamBam would pet in great hands with Embrace, since they provide coverage options for cancer and other issues that boxers are prone to.

  96. Reply
    Nurul Fahtira Zulkifli 10/27/2016 at 10:02 pm

    Wow! Frankly speaking, Embrace pet insurance is the company I wish I’d known about years ago. I’m so happy to hear about coverage offer including prescription pet food and other thing. If my cat still alive, she must be glad to have me as their guidance. She died before I meet this awesome insurance. Make me feel awful. But I’ll recommend embrace pet insurance to my friends..

    • Reply
      Pet Insurance U 10/31/2016 at 3:07 am

      Nurul, thanks for your comment. Pet health insurance is relatively new, and all of us pet owners are lucky to have it available to us to help care for our pets. Embrace pet insurance offers many options for dog and cats that fit within any owners budget. Embrace also covers some genetic and hereditary disorders, like hip dysplasia, which is a huge benefit to its policyholders.

  97. Reply
    Iva F. 10/27/2016 at 11:46 pm

    It’s awesome that Embrace Pet Insurance covers hip dysplasia treatment, as it can be costly and long-running. Having had a poodle in past, I have come to know in how much pain the dog was until we started treating it. Without insurance it was very costly and I think that every poodle owner should consider taking insurance that covers this genetic illness. It was excruciating to see Ozi’s back twitch when I tried to pet her. After treatment, I feel her pain went away at least to certain extent. And there’s nothing worse for a pet owner to see their pet in distress.

    • Reply
      Pet Insurance U 10/31/2016 at 3:05 am

      Iva, we’re so sorry to hear that Ozi suffered from hip dysplasia. It’s an awful thing to watch a pet suffer. Embrace hip dysplasia coverage is a huge benefit for owners of breeds that are prone to the disorder, like poodles and golden retrievers. Thanks for leaving a comment!

  98. Reply
    john 10/28/2016 at 11:53 pm

    Much improved claims experience for my pup. I sent 2 claims in together. They were approved in a couple of days! The check was received just days later. Received an email soon after I called to make sure I had a copy of a claim form. Then a followup after the claims were processed. Great service!

    • Reply
      Pet Insurance U 10/31/2016 at 2:49 am

      That’s very quick, John! We’re glad to hear Embrace turnaround time is fast and that their service is excellent. We’ve hear similar reviews for Embrace claims and we’re proud to have them on our site as a recommended pet insurance company.

  99. Reply
    Sarah Bott 10/28/2016 at 11:55 pm

    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!!!

    • Reply
      Pet Insurance U 10/31/2016 at 2:47 am

      That’s great to hear, Sarah! We love hearing that pet health insurance companies are keeping owners happy and pets healthy! Embrace reviews consistently mimic feedback just like yours. We’re glad to include them on our recommended list of pet health insurance plans!

  100. Reply
    Chidozie John Obi 10/29/2016 at 6:18 am

    Embrace Pet Insurance has made the rigors of having to keep your pet in wellness more simple and undoubtedly budget and time effective. The one core budget effective plan that protects your pet in case of illness, accidents, etc., the flexibility in adjusting monthly payments and the routine care and procedures for your pet through the optional wellness coverage are services and plans that stands Embrace Pet Insurance out. A friend of mine shared with me recently how Embrace Pet Insurance has helped him cut cost to meet his budget through the flexible deductibles, reimbursements and annual payouts limits. He also mentioned that Embrace Pet Insurance has also helped to keep his dog in absolute daily wellness through the routine care and procedures available in the optional wellness coverage plan. I keep recommending friends and colleagues to Embrace Pet Insurance. Feel the best services!

    • Reply
      Pet Insurance U 10/31/2016 at 2:45 am

      Thanks for your comment, Chidozia. At Pet Insurance U, we appreciate that Embrace offers a wide range of options for pet owners so that they can care for their pet within their own budget. Besides accident and injury coverage, Embrace offers plans that include wellness benefits to keep pets from getting sick! Let us know if you have any questions as you search for policies, we’re glad to help. You’re in good hands with Embrace pet health insurance.

  101. Reply
    Mohd Ridzaha 10/29/2016 at 4:39 pm

    Embrace keeps pet insurance refreshingly simple with one core plan that you customize to meet your individual budget..this is very perfect planning in this company..i did’t see the others company like this company..some more this company also have zero deductible and no co-pay..is very interesting..getting this for my lovely cat..i agree with this insurance is better than mine

    • Reply
      Pet Insurance U 10/31/2016 at 2:43 am

      Hi Mohd. Yes, Embrace policies are flexible with varying deductibles and owner responsibility amount. Also, the Embrace wellness plans make it easier to afford preventative care for your cat.

      • Reply
        Mohd Ridzaha 11/02/2016 at 7:12 pm

        Yes..it easier to care my cat..so how about other work

        • Pet Insurance U 12/01/2016 at 10:50 pm

          Mohd, it also covers behavioral training that is probably worth researching and checking into. I am glad Embrace has peaked your interests.

  102. Reply
    Terri Lee 10/30/2016 at 1:41 am

    Never considered pet insurance before but Embrace offers a plan that we may just may consider. I just got a quote and rates for my older dog were very reasonable. Started thinking about pet insurance after an expensive and unexpected vet bill a few months ago. Fortunately he bounced back but I’m worried about costs as he gets up there in years. Going to give this some significant consideration

    • Reply
      Pet Insurance U 10/31/2016 at 2:41 am

      Terri, thanks for your comment. We at Pet Insurance U are so glad you’re considering getting a policy for your gracefully aging pup :). It’s our hope that with comprehensive plans like Embrace, pet owners can keep their pets happy and healthy for a very long time. Look into Embrace health insurance options for senior dogs and let us know if you have any questions.

  103. Reply
    unsean 10/30/2016 at 4:29 am

    Having grown up with pets, dogs in particular, for most of my childhood, I find the idea of pet insurance an odd, though logical, one. The coverage sounds comprehensive enough, though I am a bit concerned about a trend where we value our pets more than other human beings (there are occasions where rich people are leaving their pets literally millions of dollars).

    That being said, it’s also worth mentioning that when a pet was stuck with an aliment that was physically debilitating–such as hip dysplasia–that animal more likely ended up being put to sleep (I wasn’t even aware that dogs could get asthma though I guess that’s possible).

    • Reply
      Pet Insurance U 10/31/2016 at 2:40 am

      Thanks for your comment, you’ve made some great points. The cost for pet health insurance, whether it’s Embrace or any other company, certainly is a factor to consider; however, like you said, the cost of medical bills are greatly reduced when an owner has health insurance for their pet. Embrace hip dysplasia coverage is a huge benefit to its policyholders. Also, with Embrace’s wellness coverage and accident/injury coverage, no pet owner should ever have to consider economic euthanasia.

  104. Reply
    Derek F 10/31/2016 at 2:28 pm

    Hello, are you able to recommend me any specific pet insurance based on waiting period? All of the options I have looked at currently have a significant waiting period, but I am eager to start using some claims for preventative treatments and hate the idea of paying the fees while being unable to claim. Any recommendations? Thanks, Derek.

    • Reply
      Pet Insurance U 11/01/2016 at 8:02 pm

      Hi Derek, have you looked in to Embrace pet insurance? From our research the Embrace, waiting period is very short or nonexistent (in certain cases). Embrace also offers wellness coverage as part of your pet insurance policy so that you can start preventative treatments. Thanks for taking great care of your pet!

  105. Reply
    Dav Madrigal 11/03/2016 at 11:39 pm

    As someone who has had to go into medical debt for the wellbeing of my pets, I wish I would have known about Embrace Pet Insurance while my ferrets were still alive. These plans seem very comprehensive and affordable, and the Embrace Wellness add-on includes an important level of protection into this plan. I very much like how the plan itself is customizable to the individual needs of my pets and budget! The coverage this plan offers sounds better than the benefits many human health insurance provide too. The idea of very short waiting periods is also very appealing as other insurances often leave you waiting far too long to file your claims. From what I’ve read I will definitely recommend to my friends with pets!

    • Reply
      Pet Insurance U 12/01/2016 at 10:47 pm

      Dav we are glad you have chose Embrace and seem to be very knowledgeable. We also are excited that you are spreading the word about Embrace and pet insurance. If there is ever anything we can do to further your experience we will help you.

  106. Reply
    sarah evanston 11/14/2016 at 12:49 am

    We use Pet Best insurance and like them very much but I see that Embrace offers more coverage for less. How difficult is it to change pet insurance companies and is there a fee with either of these companies?

    • Reply
      Pet Insurance U 12/01/2016 at 10:40 pm

      Sarah great question, currently there are no fees for switching, or canceling a health insurance. Just make sure you speak with a representative before switching or canceling. Glad to know that your pet is covered though.

  107. Reply
    Marion 11/19/2016 at 1:50 pm

    The wellness rewards plan seems to be the perfect add-on for my dog Rusty. It doesn’t only cover the routine care but also specific wellness benefits which are very special. Dental care is also a very important thing which shouldn’t be forgotten and also the behavioral training sounds like something we should definitely try!

    • Reply
      Pet Insurance U 12/01/2016 at 10:26 pm

      Marion the wellness rewards plan offers a 100% reimbursement with zero deductible and no co-pay. We are excited to see your interest. We would also highly suggest behavior training coverage, sometimes mental health can be the foundation of the physical breakdown.

  108. Reply
    Stacy Karyn 11/20/2016 at 1:35 am

    I think it’s awesome that behavioral training is included in this package! That’s such forward thinking, and I think more companies should start to embrace the idea. Sometimes mental health is just as important as physical health (for both us humans and our furry friends)!

    • Reply
      Pet Insurance U 12/01/2016 at 10:18 pm

      Stacy you have said a mouthful. Many times it’s the mental health that can greatly effect what happens to the physical health of our pets. That’s why Embrace tries it’s best to cover the full spectrum of your insurance needs.

  109. Reply
    Drexter 10/23/2017 at 10:03 am

    This particular insurance system seems like , it is the one. I always wanted to an insurance plan for my chubby little one which is both affordable and great quality. Thank you for the review. Done a great job.

  110. Reply
    Jaclyn 11/29/2017 at 11:40 pm

    Embrace’s 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed – up. I didn’t get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that ‘We need the complete Medical History’. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn’t know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that ‘we don’t want to bother you the client’ to get the missing information so they can continue to fraudulently bill you.

    When I called to inquire about the long-delayed medical history review, they still couldn’t answer my questions. Then they hung up on me and canceled my policy even though I was still waiting for answers.

    STAY AWAY FROM THIS COMPANY! They are very difficult to work with and will list everything possible as a preexisting condition to avoid paying claims.

  111. Reply
    John 03/23/2018 at 5:31 pm

    We have had Embrace for almost a year now since we got our puppy and I’m regretting it. Our experience has been similar to an extended car warranty where you submit a claim and pray it will be accepted because you have no idea what is covered and how much (if any). There’s something unsatisfying with dealing with a company that relies on “read the fine print.” Avoid. Not worth it.

  112. Reply
    Ashley 04/13/2018 at 1:15 am

    I’ve had Embrace for 2yrs on my older dog (3yrs) and love it, I just got it for my puppy as well. We got the wellness so all the routine stuff is covered. Since they offer a 5% (per dog) discount for multiple dogs, the Wellness part of the plan pays for itself and then some. My older dog had an eye injury and a cyst discovered on her back this year, and both are covered- I met my deductible and starting to get reimbursed. They lower the deductible $50 every year you don’t have a claim. It gives me peace of mind if something serious were to occur. There were a couple preexisting conditions that I knew would be left out, so that wasn’t a surprise.

  113. Reply
    Nicole W 07/23/2018 at 11:12 pm

    Buyer beware. I was skeptical buying pet insurance but was encouraged to do so by our vet’s office staff. Our labrador retriever had pancreatitis previously so of course I knew that would be an “underlying condition’ that would not be covered which is fair. However, she recently got diarrhea, had to be hospitalized, tests came back negative for pancreatitis so not the same underlying condition and now they’ve completed denied the $1,450 claim. Even our vet was shocked. I’m cancelling.

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