Compare Embrace to Trupanion

We've prepared below a list of the most important comparison points between Embrace and Trupanion. The two companies may look similar at a glance, but there are a few points to consider before deciding where to place your money and your trust.

corner-left   Embrace Trupanion corner-right
  Coverage for Office Visits Icon Icon  
  Annual Deductible Icon Icon  
  Wellness & Routine Care Coverage Icon Icon  
  Alternative Therapy Coverage Icon Icon extra cost  
  Premium Increases Over Time Icon Icon  
  No Extra Fees Icon Icon  
  Policy Term 12 months 1 month  
  A.M. Best Rating A+ not rated  

Reimbursement for Veterinary Exam Fees

Trupanion does not reimburse you for veterinary exam fees, leaving you with a large gap in coverage. Office visit and exam fees are a major part of your veterinary bill. Exam fees at specialty and emergency hospitals can often cost $100 or more. The average amount Embrace covered for office visits in 2013 was $62. If you choose a Trupanion plan, it's like you are paying an additional $62 deductible per visit on any claim.

Annual Deductible or Per-incident Deductible

Embrace uses an annual deductible, while Trupanion uses a per-incident deductible. An annual deductible only needs to be met once per year, regardless of how many claims you make. Plans with a per-incident deductible require you to pay a new deductible every time you go the vet for a new condition. If your pet has an unlucky year, your out-of-pocket costs could be higher by a few hundred dollars with a per-incident deductible.

Wellness & Routine Care Coverage

Trupanion currently does not offer routine care coverage. Embrace promotes, rewards and encourages healthy pets by offering Wellness Rewards, a standalone routine care product to help you pay for regular visits to your veterinarian.

Alternative Therapy Coverage

Trupanion charges an additional premium for their 'Recovery and Complementary Care Rider' package that covers alternative therapies. Here at Embrace we provide one simple comprehensive plan to cover your pet's medical expenses. When it comes to treatment we want you to be able to consider any and all options presented by your veterinarian, which is why we cover alternative therapies standard with every policy.

Premium Increases Over Time

Don't be tricked by tactics claiming your pet's premiums won't increase with age. Trupanion has filed double-digit rate increases with multiple departments of insurance. While they say premiums don't go up due to age, that hasn't prevented them from doubling some policy holders' rates. Embrace does have age-related increases of about 10% starting at age 5. Typically vet clinics also increase their fees by about 5% each year due to inflation. Combined you would see a 15% increase in this example, which is much less then some of the 100%+ increases some customers have seen with Trupanion.

See for yourself just a few examples of Trupanion's increases:Yelp (look at the filtered reviews at the bottom) Facebook PIR #1 PIR #2 California 52% Florida 32%

Extra Fees

Trupanion charges a $35 fee to each pet parent when they sign up. Embrace prides itself on having no annual fees and no monthly payment fees.

Policy Term

Trupanion policies are monthly contracts where rates or other changes can be made with little notice. When you sign up for a pet insurance policy with Embrace your rate is locked-in for a full year from the date you purchase.

Underwriter Rating

Trupanion underwrites its own policies and the company is not currently rated by A. M. Best. Embrace is underwritten by American Modern Insurance Group (AMIG), rated A+ (Superior) by A. M. Best. Fewer than 10% of all property and casualty insurance companies in the country hold this distinction.

This comparison of Trupanion pet insurance plans and coverage was wholly prepared by Embrace Pet Insurance Agency and was last updated in February 2013. If you have questions about Trupanion's plans, prices, or coverage we encourage you to contact a representative of Trupanion.