Embrace vs. AKC Pet Insurance

With pet insurance, the difference is in the details. That's why we've compiled a list of important comparison points between Embrace and AKC Pet Insurance, so you can decide for yourself.


Logo AKC Pet Insurance
Optional Routine Care Plan True True
Per-Item Limits
Coverage for Exam Fees True True
Extra Cost
Hereditary & Genetic Condition Coverage True True
Extra Cost
Alternative Therapy Coverage True
Diminishing Deductible True

Optional Routine Care Plan

AKC Pet Insurance puts limits on how much they will reimburse you for routine care items - making it hard to get your full benefit each year. Embrace's Wellness Rewards is an optional non-insurance product to help pay for your pet's everyday veterinary, grooming, and training costs. You can spend an annual allowance of $250, $450, or $650 however you see fit.

Coverage for Exam Fees

AKC Pet Insurance does not cover veterinary exam fees standard on their policy - you must pay more for this coverage. Office visit and exam fees are a major part of your veterinary bill. Exam fees at specialty and emergency hospitals can often cost $100 or more.

Hereditary & Genetic Condition Coverage

AKC Pet Insurance does not cover hereditary and genetic conditions standard on their policy - you must pay more for this coverage. Hereditary and genetic conditions can lie dormant for years and when symptoms start showing they can cost thousands of dollars to treat. All Embrace accident and illness plans cover genetic conditions that your pet may be prone to, standard.

Alternative Therapy Coverage

AKC Pet Insurance does not offer coverage for alternative medicine, including acupuncture and chiropractic care, both of which are covered with an Embrace policy. When it comes to treatment we want you to be able to consider any and all options presented by your veterinarian, which is why we cover alternative therapies standard with every policy.

Diminishing Deductible

Embrace is the only pet insurer to offer a diminishing deductible. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

Information last updated July 2017. AKC Pet Insurance is underwritten by American Pet Insurance Company.