“”

Pet Insurance Companies Comparison Guide

We’re here to help you accurately compare pet insurance companies and plans to our trusted offerings so you can pick the coverage that’s best for your dog or cat.

Compare Pet Insurance Companies

Need more information? No difference is too small when completing a pet insurance company comparison that factors in your budget and pet care needs. Explore individual comparison charts to narrow down your top choice.

Compare different pet insurance features

Plan features Healthy Paws Nationwide WholePet® Pets Best Trupanion
Waiting periods 2 Days for Accidents, 14 Days for Illnesses 15 Days for Accidents & Illnesses X Icon 14 Days for Illnesses 3 Days for Accidents 30 Days for Illnesses 5 Days for Accidents
Flexible wellness plan Check Icon X IconX Icon Per-item Limits X Icon
Dental illness coverage Check Icon Check IconX Icon Costs Extra Costs Extra
Overall coverage for exam fees Check Icon Check IconX Icon Costs extra Check Icon
Extra office visits for senior pets Check Icon X IconX IconX IconX Icon
Hip dysplasia coverage on all Accident & Illness policies Check Icon X IconCheck IconX IconCheck Icon
Preventable condition coverage included Check Icon X IconX IconX IconX Icon
24/7 pet telehealth Check Icon X IconX IconX IconX Icon

Award-winning customer service

Our experienced team of real pet parents is here to help when you need it most. See why Embrace has been a top-rated pet insurer for over 15 years.

Things to think about when comparing different pet insurance companies

One pet insurance provider is not necessarily like another, so it’s important to compare companies to find out which one offers what you and your pet need.

Consider these three important variables when deciding on an insurance provider: types of coverage; quality of coverage; and coverage customization.

Types of pet care coverage

Look to see if the provider offers a comprehensive policy including accidents, illness, treatments, dental, vet visit fees, follow-up care, coverage for complementary treatments, and optional preventative care plan. Embrace includes all of these, as well as accident-only coverage and Wellness Rewards – our optional routine care plan.

In addition, compare more than just data and statistics. Look at a company’s reputation and service. Embrace was one of the first pet insurance providers in the country, so we know a lot about trust, commitment, and the bond between pets and their families.

Quality of coverage

Numbers don’t lie and our reputation is backed by great numbers:

  • We paid 92% of our claims in 2021

  • We offer up to 90% back on vet bills

  • Your policy includes free 24/7 Paw Support telehealth

  • We have 0 networks so you can visit any vet

  • We offer a 30-day money-back guarantee

  • You can save 10% with 2 or more pets

  • And, we are 100% committed to being open, honest, and responsive

Coverage customization

With a comprehensive customizable plan from Embrace, you are in control of your coverage and premium. Pick your annual maximum, annual deductible, and reimbursement percentage to fit your needs and budget.

Find out more! Get answers to some frequently asked questions, or learn more with our handy Pet Insurance Buying Guide.

Embrace Icon

Get your personalized pet insurance quote in seconds

Compare pet insurance plan benefits and customization options

Make sure you don't have gaps in coverage or benefits—Embrace offers the most options in coverage customization and additional policy perks.

Illustration of a clock and a telephone

24/7 Pet health line

Did your dog eat something you’re unsure of? Is your cat reluctant to use the litter box? The Pet Pros at PawSupport are available 24/7 to offer guidance on all of your pet's health-related questions.

Illustration of a stethoscope

Exam fee coverage

Many pet insurance companies don’t cover the cost of the exam fee – that’s like having to pay an extra deductible for every claim. Embrace covers the exam fee for all covered accidents and illnesses.

Illustration of a notepad

Personalized pet policies

Get the same great nose-to-tail accident and illness insurance no matter how you personalize it. Pick your annual maximum, annual deductible, and reimbursement percentage to fit your needs and budget.

Rottweiler dog with tongue out sitting next to African-American woman

Find the best insurance plan for your exact needs

We understand that you have options when it comes to picking the best pet insurance for your furry friend. That’s why we’ve put together some helpful information to consider in your research journey.

Pet Insurance Buying Guide

We're proud of our Embrace Pet Insurance reviews

Google Reviews Logo
Consumer's Advocate Group Logo
Pet Insurance Review Logo
Pet Insurance Quotes Logo

FAQs about deciding between different pet insurance companies

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.

*Complementary treatments were previously called alternative therapies.