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Compare Pet Insurance Plans

Researching the best pet insurance company for your dog or cat can be confusing. That's why Embrace created a side-by-side comparison table to help you make the best choice. Easily see how different companies approach pet health and medical insurance coverage with our head-to-head comparisons or explore the summary below to find the best provider for your needs.

Compare Embrace to

Healthy Paws
Trupanion
Nationwide
Pets Best
Plan Features Embrace Pet Insurance comparison Healthy Paws Pet Insurance comparison Trupanion comparison Nationwide Pet Insurance comparison Pet's Best comparison
Flexible Wellness Plan Check mark
Coverage for Exam Fees Included Check mark Check mark
Alternative Therapy Included Check mark Check mark Check mark
Personalized Policies Check mark Deductible only
Diminishing Deductible Feature Check mark
One Annual Deductible Check mark Check mark Check mark Check mark
No Lifetime Limit Check mark Check mark Check mark
Illness Waiting Period 14 days 15 days 30 days 14 days 14 days
Behavioral Care Check mark Check mark Check mark Check mark
24/7 Pet Help Line Check mark Check mark Check mark

Head-to-Head Comparisons

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.


Pet Insurance that Stands Out from the Pack

Heart icon for Optional Routine Care
Optional Routine Care

Embrace reimburses you for routine care like vaccinations, grooming, training classes, and more through our Wellness Rewards plan. There are no itemized limits and you can use it the day you sign up.

Piggy bank icon for Healthy Pet Deductible
Healthy Pet Deductible

The Healthy Pet Deductible is the pet insurance industry’s only 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
24/7 Pet Help Line

Embrace has partnered with whiskerDocs to provide our policyholders with 24/7 access to veterinary experts to get decision support from behavioral concerns to emergency situations.

Notepad icon for Personalized Policies
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.

Learn More About the Embrace Plan

Ready to protect your pet?

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.

Puppy

Black and white puppy with tilted head $700

the first year

Kitten

Small gray kitten looking down $450

the first year

Dog

Boxer dog with tongue sticking out $350

per year

Cat

Cat with brown stripes and green eyes $260

per year

Compare Routine Care Coverage

What to Look for When Comparing Policies

Not all pet insurance is created equal. Embrace is open and honest about what we cover and what we don't cover to help you choose the best plan for your pet.

  • Heart in Shield icon for What Is and Isn't Covered
    What Is and Isn’t Covered
    Embrace covers accidents and illnesses for dogs and cats, including hereditary and congenital conditions no matter the breed. Some pet insurance companies have exclusions for pets if they are not spayed/neutered or because of their breed.
  • Percent in Circle icon for How You're Reimbursed
    How You’re Reimbursed
    Embrace reimburses you based on the vet bill that you paid, not what we think the bill should have been. Watch out for pet insurance plans that reimburse using a benefit schedule or that has “per-item” limitations.
  • Calendar icon for Deductible Type
    Deductible Type
    Every Embrace policy has an annual deductible, which means you only have to meet it one time in a policy year. Some pet insurance companies make you meet a deductible for every condition that may arise in your pet’s life.
  • Circled Dollar Sign icon for Cost of Insurance
    Cost of Insurance
    Getting an affordable pet insurance plan is possible. Since Embrace offers one comprehensive policy, you get the same coverage no matter how it’s personalized. Some pet insurance companies charge higher premiums for more coverage.
See Our Pet Insurance Buying Guide

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.

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.