Pet Insurance Buying Guide

Just starting to look into pet insurance? Not sure where to begin? Our pet insurance buying guide will help you find the best plan.

See Our Helpful Guide

Pet Insurance Reviews

See what our actual policyholders have to say about their experiences with Embrace.

See Our Reviews

Routine Care Comparison

Most of us spend over $200 at the vet for a wellness visit. See how Embrace can help, and compare our optional Wellness Rewards to other routine care products.

Routine Care Comparison

Banfield Pet Insurance

Are you considering Banfield pet insurance? Read and understand the differences between pet insurance and Banfield wellness plans.

Banfield Wellness Plans vs. Pet Insurance



At-a-Glance Pet Insurance Comparison

Ready to explore which pet insurance provider is the best for you? Our comparison charts make it easy for you to see how different companies approach health insurance coverage for cats and dog. Explore the list below to decide on the best provider for your needs.

At-a-glance Comparisons

Wellness Routine Care Plan

  • Embrace: True
  • Healthy Paws: False
  • Trupanion: False
  • Nationwide: True

Personalized Policies

  • Embrace: True
  • Healthy Paws: False
  • Trupanion: True(deductible only)
  • Nationwide: False

Covers Exam Fee

  • Embrace: True
  • Healthy Paws: False
  • Trupanion: False
  • Nationwide: True

Diminishing Deductible

  • Embrace: True
  • Healthy Paws: False
  • Trupanion: False
  • Nationwide: False

Annual Deductible

  • Embrace: True
  • Healthy Paws: True
  • Trupanion: False
  • Nationwide: True

No Lifetime Limit

  • Embrace: True
  • Healthy Paws: False
  • Trupanion: True
  • Nationwide: True

Illness Waiting Period

  • Embrace: 14 days
  • Healthy Paws: 15 days
  • Trupanion: 30 days
  • Nationwide: 14 days

Alternative Therapies

  • Embrace: True
  • Healthy Paws: True
  • Trupanion: True(at extra cost)
  • Nationwide: True

Behavioral Care

  • Embrace: True
  • Healthy Paws: False
  • Trupanion: True
  • Nationwide: True

Still need more info or have questions about the pet insurance coverage comparisons above? Contact us directly or get a personalized pet insurance quote for your cat or dog. 

Frequently Asked Questions

Is my pet covered for life?

Yes. We will never drop your pet or reduce their coverage based on age, health status, or claims you’ve filed. Once you’re signed up, we do not cancel coverage for anything other than non-payment of premium.

Are vet exam fees covered?

Yes. Sometimes just walking into the vet’s office can cost you upwards of $100. Many pet insurance companies do not cover your vet’s exam fee. When a pet insurance company doesn’t cover the exam fee, it’s almost like paying an extra deductible on every single claim you file.

How much coverage do I need?

Only you can decide how much coverage you need. We typically recommend getting the highest coverage that you can comfortably afford.

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Copyright © 2005-2018 

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.