Compare Embrace to VPI Pet Insurance

Becoming a pet insurance expert means understanding the detailed differences between companies. To help you, we've prepared a list of the most important comparison points between Embrace vs VPI. Your dog or cat will thank us later.

			VPI
	Reimbursement Method	Pay Straight % of Vet Bill	Limited by Benefit Schedule
	Hereditary & Genetic Exclusions	0	183
	Wellness & Routine Care Plans	Flexible plans with no per item limits	Per item Limitations
	12-Month Exclusions	0	186
	Extra Fees	No	Yes
	Independent Customer Rating	9.1/10	7.6/10

Hereditary & Genetic Condition Coverage

Many companies leave you exposed with no coverage for genetic conditions. Embrace covers them. Hereditary and breed-specific conditions can lie dormant for years and when they do show signs it can be very expensive to treat them. VPI has limited coverage for hereditary or genetic conditions, with a max payout of $750 per year. These conditions often total several thousands of dollars to treat.

Reimbursement Method

There's more to pet insurance than just your premium. If you want a large portion of your vet bills covered then you need to pick the right sort of plan. At Embrace, all of our plans reimburse your claim as a percentage of your actual vet bill so you get more back. VPI's benefit schedule dictates the most you can get back. We often see vet bills for a given condition 20-50% more than what their benefit schedule allows.
See the difference

Wellness & Routine Care Coverage

Embrace’s Wellness Rewards is a stand-alone routine care plan to help you pay for the routine care of your vet. If your vet charges $100 for a puppy wellness visit, that’s how much Embrace will reimburse. VPI places limits on wellness payments per item or category (e.g. flea, tick, and heartworm meds are capped at $50/year). View our comparison on routine care.

12-Month Exclusions

In addition to minimal payout on hereditary conditions, VPI also excludes any payment for these conditions during your first 12 months as a policy holder.  Cruciate ligaments, meniscal damage, and angular limb deformity also have 12-month waiting periods. Cruciate ligament tears typically cost $3,500 to treat.  Embrace does have a 6-month waiting period on orthopedic conditions, but this can be waived down to 14 days by having your vet fill out our orthopedic report card.

Extra Fees

Don't be nickel and dimed with extra fees. VPI has a $2 monthly payment fee and requires two months payment up front.

Independent Customer Rating

Want to know why Embrace is consistently rated one of the best pet insurance companies in America? Then get the scoop on what pet parents really think about Embrace over at PetInsuranceReview.com . Reviews are completed by actual pet insurance users and Embrace is consistently rated over 9 out of 10. Why settle for less?

The comparison of VPI's pet insurance plans and coverage was wholly prepared by EPI Agency LLC. If you have questions about VPI plans, prices, or coverage we encourage you to contact a representative of VPI.