Embrace Pet Insurance Review 2023: Pros, Cons, & Verdict

By James Davis, Last updated: Jun 19, 2023

Have you ever looked at a bill from your veterinarian and had your eyes go wide with sticker shock? I have. My dog, Penny, once had an operation on her hind legs due to a self-induced injury from trying to run too fast (no, I’m not kidding!), and I was shocked by the final cost. Medical science for humans and animals continues to advance. We can help many species live longer lives and treat more and more diseases with advanced medications and surgeries. While improvements in medicine are needed, they can come with certain drawbacks, one of them being increased costs. This is where Embrace Pet Health insurance steps in, to help with high costs associated with unexpected illness and injury.

In This Review

• Our Review
• Pricing
• Deductibles & Claims
• Coverage
• FAQ
• Conclusion
• Our Final Verdict

Our Review

In a world where treatments and diseases are getting more expensive, where does the discerning pet owner turn? Embrace Pet health insurance! Pet insurance, unheard of not too many years ago, is now a reality. Most Americans insure their health and their family’s health. Why not the furry members of your family? In the rest of this article, we’ll discuss the ups and downs of pet health insurance, what to look for, and why Embrace Pet Insurance is likely an excellent choice for your pets.

Pricing

Embrace offers one of the most comprehensive base policies on the market. Where other insurers have gone to great lengths to split out different coverages and leave a barebones basic plan, Embrace seems to have “embraced” (forgive the pun!) the perspective that their insurance should just work when you need it. As you peruse the list, realize each coverage is listed separately because some other insurer decided it shouldn’t be part of basic coverage. If you’re like me, I don’t want to have to argue with some actuary over what is or isn’t covered. I just want my insurance to work!

Base Policy

• Emergency care
• Exam fees
• Curable pre-existing conditions
• Unexpected dental care
• Diagnostic testing
• Cancer care
• Preventable conditions
• Pets in all 50 states
• Professional activities (cattle dog, police dog, etc.)
• Orthopedic conditions

Customizations

Embrace offers one major add-on for pet care. It is not insurance. It’s more like a budgeting tool that helps you set aside money for your pet’s wellness and well-being each month. It can be used for things health insurance doesn’t commonly cover, like:

• Wellness exams
• Vaccinations
• Spaying/neutering
• Flea, tick, and heartworm meds
• Pet activity monitors
• Cremation or burial costs
• Nutritional supplements
• Routine anal gland expression

It’s a pretty good deal if you are going to use the entire amount each month. When I set up coverage for my dog, I was quoted $52.09 per month for $650 of wellness spending. $52.09*12 months is $625.08, meaning I come out ahead by $24.92 if I spend my entire wellness allowance! That’s around a 4% return, and you get to use the entire $650 upfront. You don’t have to wait and spend it as you put money in.

Our Final Verdict

Embrace provides some of the most comprehensive pet insurance I could find. The signup is simple, the price is competitive, and if pet insurance is right for you, Embrace will be the right choice 99+% of the time. Their service is unbelievably good, and they earned their Internet-wide sterling reputation. If you need them, they are there for you. If you don’t, you get a $50 discount on next year’s deductible! It’s a win-win for you and your pet(s)!

Disclaimer:

Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company. Written by James Davis

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