Embrace Pet Insurance Review

Yes, Embrace covers brachycephalic obstructive airway syndrome (BOAS) and related breathing issues including surgical correction. There's a 14-day waiting period for illness coverage, so enroll before symptoms develop to ensure coverage.

Wellness plans provide annual allowances for routine care including exams, vaccinations, preventive medications, and dental cleanings. French Bulldogs benefit particularly from coverage of allergy medications, special diets, and frequent skin treatments that wellness plans help offset.

Each year you don't file a claim, your deductible decreases by $50, down to a minimum of $100. This rewards healthy years and reduces out-of-pocket costs when expensive treatments are eventually needed, particularly valuable for breeds with unpredictable health patterns.

Yes, Embrace covers hereditary and congenital conditions including hip dysplasia, breathing disorders, spinal issues, and eye problems. These conditions must develop after your coverage begins to be eligible for benefits.

No, wellness coverage must be added when you first enroll. You cannot add wellness plans to existing policies, so consider whether you want this coverage when initially signing up.

2 days for accidents, 14 days for illnesses, and 6 months for orthopedic conditions. See Coverage Details above for the full breakdown.

Expect to pay roughly $30-$70 per month depending on your deductible, reimbursement rate, and annual limit. French Bulldogs cost more to insure than average breeds because of their elevated health risks. Adding a wellness plan increases the monthly premium further. The 70% reimbursement tier with an $8,000 annual limit starts around $30/month, while unlimited coverage at 90% reimbursement runs closer to $70/month. Your location and your dog's age also affect pricing.

For most French Bulldog owners, yes. The combination of comprehensive hereditary coverage, optional wellness plans, and the diminishing deductible makes Embrace a strong long-term value — especially if you enroll early and build up deductible savings over claim-free years. The main reasons it might not be worth it: if you need lightning-fast claims processing or if your Frenchie already has pre-existing conditions that would be excluded.

Yes. Embrace covers the full spectrum of BOAS treatment including diagnostic testing, soft palate resection, stenotic nares correction, and laryngeal saccule removal. With BOAS surgery typically running $3,000-$5,500, this is one of the most important coverage items for French Bulldog owners. The standard 14-day illness waiting period applies, so enroll before your Frenchie shows any breathing symptoms.

Embrace excludes pre-existing conditions (though curable conditions symptom-free for 12 months may become eligible), breeding and pregnancy-related expenses, elective and cosmetic procedures, and bilateral conditions where one side was affected before coverage began. Anything that happens during waiting periods is also excluded. Wellness care is only covered if you add the optional wellness plan at enrollment.

It depends on your priorities. Lemonade wins on price and claims speed — their AI processes simple claims in minutes, and base premiums tend to be lower. Embrace wins on coverage depth and flexibility — unlimited annual coverage (vs. Lemonade's $100K cap), the diminishing deductible, and more robust wellness plans. If your Frenchie is young and healthy and you want to keep costs low, Lemonade is a solid pick. If you want the most comprehensive coverage you can get and value personal customer service, Embrace is the stronger choice.