With so many options available in pet insurance, choosing the right coverage for your dog or cat can be daunting. We’re here to help you every step of the way. When you compare Embrace Pet Insurance with Fetch® Pet Insurance, you’ll see we offer faster claims, shorter wait times, and around-the-clock pet health support.
Compare Embrace and Fetch® Pet Insurance side by side to see which plan offers the best value and coverage for your pet.
 |  | |
|---|---|---|
| Type of insurance | Accident & illness (Accident-only plan available) | Accident & illness (NO Accident-only plan available) |
| Annual coverage limits | Options of $2,000, $5,000, $10,000, $15,000, $30,000, or Unlimited | Fewer options - $5,000, $10,000, or $15,000 with select plans offering Unlimited |
| Veterinary admin fees** |  | ✗ |
| Multi-pet discount | 10% for one additional pet | ✗ |
| Pets covered internationally*** | | ✗ |
| Window to submit claims | Full policy term + 60 days | 90 days |
57% of pet parents surveyed who switched from Fetch say they’re getting better coverage at a lower cost with Embrace.*
Embrace offers both Accident & Illness plans and a separate Accident-Only plan
Accident-Only coverage is designed for unexpected injuries — such as broken bones, cuts, or swallowed objects — and can be a more budget-friendly option for pets who are otherwise healthy or aging with existing medical conditions.
Fetch’s standard product is an Accident & Illness plan. A stand-alone Accident-Only plan is not part of Fetch’s standard offering.
If you’re planning to travel abroad with your pet, it’s important to know whether your pet insurance follows you. Embrace Pet Insurance provides coverage for pets traveling internationally for up to six consecutive months. This allows pet parents peace of mind during extended trips.
Fetch Pet Insurance limits its standard coverage to care received within the United States and Canada. Claims for treatment outside those areas are generally not eligible for reimbursement.
Embrace allows claims to be submitted throughout the entire policy term plus an additional 60 days after renewal, giving busy pet parents extra breathing room to gather records or finalize invoices. Fetch, by comparison, allows up to 90 days from the date of treatment to submit a claim. Embrace’s extended timeframe ensures pet parents have a little more cushion — especially for those juggling work, family, and everything else life brings.
For families with more than one pet, Embrace offers a multi-pet discount, helping make coverage more affordable for every furry family member. Fetch® Pet Insurance does not offer a multi-pet discount, which may result in higher overall costs when insuring multiple pets.
Embrace and Fetch® Pet Insurance both offer dependable protection for your pet’s health. But with Embrace’s added flexibility in coverage and cost options — plus benefits like a multi-pet discount, international coverage, higher annual coverage limits, and a longer window for claim submissions — Embrace delivers a personalized experience for every pet family.
Join the growing number of pet parents who trust Embrace Pet Insurance for coverage that fits both your pet’s needs and your budget.
Get a free quote today and see how we can help protect your best friend — wherever life takes you.
Updated Nov 8, 2025
