Compare Embrace and VPI Pet Insurance
We want you to have all the facts when you compare pet insurance plans so we summarized everything in a convenient table for you.
When you compare plans you'll see that we've conveniently grouped them into three sections:
We've spent a lot of time making sure the information in this comparison table is spot on. But if you think something needs to be corrected then don't hesitate to contact us.
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Embrace
Customizable
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VPI
Standard Plan
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VPI
Superior Plan
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how are claims paid?
Some companies use a benefit schedule to cap the amount you can be reimbursed. Other companies pay based on the actual vet bill.
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Actual vet bill |
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genetic and hereditary conditions
This covers things such as hip dysplasia, certain forms of cancer, and epilepsy.
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routine care
Contributes a fixed dollar amount towards vaccinations, spaying and neutering, wellness visits, and so on.
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alternative and complementary therapies
Covers acupuncture, hydrotherapy, and homeopathic treatments when conducted by a licensed and certified veterinary specialist.
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prescription medication
Covers FDA-approved drugs prescribed by your veterinarian.
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dental illness coverage
Most plans cover dental accidents but not dental illness such as gingivitis and periodontitis. With this coverage you're protected.
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chronic and recurring illness coverage
Some conditions such as diabetes can last a long time, even a lifetime. This protects your pet year after year.
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cancer cover
Covers diagnosis, chemotherapy, surgery, etc.
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cancer coverage limits
Chemotherapy and cancer treatment can be very expensive, make sure you have enough to cover out-of-pocket costs.
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Up to annual limit |
Up to $1,000 1,3 |
Up to $2,500 2,3 |
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pricing and discounts
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policy prices range between
Don't use price alone to determine whether a pet insurance plan is right for you. With Embrace policies you select the amount of coverage and your premium.
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From $5.36 to
$30.67/mo dog5
From $4.29 to
$24.53/mo cat5 |
$10.17/mo dog6
$6.83/mo cat6 |
$20.00/mo dog6
$13.42/mo cat6 |
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processing fee
This applies to monthly plans only.
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None |
$2.00 |
$2.00 |
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premium increases annually
Your premium usually rises a little every year to reflect the higher cost of treating an older pet.
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multiple pet discount
Applies if you have two or more pets insured at the same time.
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microchip discount
Applies if your cat or dog is microchipped.
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service dog discount
Applies if your dog is classified as a service dog under the ADA Act of 1990.
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employee benefit discount
Applies if your company, organization, or veterinary clinic is a member and is eligible to receive the group discount.
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annual payment discount
Applies if you pay your premium on time and in full for the year.
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Embrace
Customizable
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VPI
Standard Plan
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VPI
Superior Plan
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choice of annual limits
You control how much coverage you think you need to protect your pet every year.
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annual limits
How much coverage you have for the entire policy year for your pet. Higher is generally better unless there are other limits that kick in before you reach your annual limit.
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You choose: $2,000, $5,000, or $10,000 |
$9,000 |
$14,000 |
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choice of deductible
You get to choose your deductible so that you can determine the premium you're comfortable with.
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deductible type
Annual deductibles are paid once, other types may be paid more frequently.
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Annual |
Per Incident |
Per Incident |
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deductible amount
You get to choose your deductible so that you can determine the premium you're comfortable with.
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You choose: $100, $200, or $500 |
$50 |
$50 |
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choice of co-pay
You can choose your co-pay to help you come up with a premium that's right for you and your pet.
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co-pay amount
The lower yor co-pay, the more the pet insurance company pays of your veterinary bill.
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You choose: 10%, 20%, or 35% |
Determined by benefit schedule4 |
Determined by benefit schedule4 |
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waiting period for illness coverage
How long after you take out a policy before you can claim for treatment for any illness.
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14 days |
14 days |
14 days |
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waiting period for accident coverage
How long after you take out a policy before you can claim for treatment for any accident.
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14 days |
14 days |
14 days |
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waiting period for cruciate injury coverage
How long after you take out a policy before you can claim for cruciate injuries.
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6 months |
12 months |
12 months |
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money back guarantee period
You have this many days to decide whether you want to continue coverage or not. The money-back guarantee does not apply if you make a claim.
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30 days |
10 days |
10 days |
1 This limit rises to $3,000 when you pay for the Double Cancer Rider.
2 This limit rises to $5,000 when you pay for the Double Cancer Rider.
3 Cancers that are considered genetic in origin may not be covered.
4 Your co-pay is set at 10% of what the benefit schedule pays for your particular incident so it varies with every claim.
5 Premium for a 3 y.o. spayed/neutered pet in Utica, NY. Excludes taxes. Monthly premiums under $10 require annual bill plan.
6 Premium for a 3 y.o. pet. Rates as approved by the Florida Department of Insurance on 15 November 2002. Excludes taxes.