Two pit bull mix dogs sitting

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Compare Pet Insurance Companies

Need more information? No difference is too small when it comes to choosing the best pet insurance company for your pet and your budget. Explore individual comparison charts to narrow down your top choice.

Banfield Pet Insurance

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

Compare Embrace to

Healthy Paws
Pets Best
Plan Features Embrace Pet Insurance comparison Healthy Paws Pet Insurance comparison Trupanion comparison Nationwide Pet Insurance comparison Pet's Best comparison
Underwriter American Modern Insurance Group Chubb Group American Pet Insurance Company (self-underwritten) National Casualty Company (CA: Veterinary Pet Insurance Company) American Pet Insurance Company
Flexible Wellness Plan Check mark No No No No
Coverage for Exam Fees Included Check mark No No Check mark No
Alternative Therapy Included Check mark Check mark No Check mark No
One Comprehensive Policy       Check mark Check mark No No No
Diminishing Deductible Feature Check mark No No No No
Medical History Review Option  Check mark No No No No
Covers Preventable Conditions       Check mark No No No No
Illness Waiting Period 14 days 15 days 30 days 14 days 14 days
Behavioral Care Check mark No Check mark No Check mark
24/7 Pet Health Line       Check mark No No Check mark Check mark

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.


Black and white puppy with tilted head $700

the first year


Small gray kitten looking down $450

the first year


Boxer dog with tongue sticking out $350

per year


Cat with brown stripes and green eyes $260

per year

Ready to protect your pet?

Pet Insurance that Stands Out from the Pack

24-7 Pet Health Icon

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 – even on holidays – to offer guidance on all of your pet health-related questions.

Piggy bank icon for Healthy Pet Deductible

Healthy Pet Deductible

The Healthy Pet Deductible is the pet insurance industry's best diminishing deductible feature. For every year you don’t receive a claim reimbursement we’ll reduce your deductible by $50 the next year.

Stethoscope icon for 24/7 Pet Help Line

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.

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Personalized 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.

Smiling dog with tongue out

We’re Proud of Our High Ratings

Still have questions? Take a look at our FAQs.

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.

Mind if we pay your vet bills?

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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.