Select the pet insurance providers below to see how Embrace compares to other plans.
|Fetch by the Dodo|
|Preventative Care Plan|
|Waiting Periods||2 Days for Accidents, 14 Days for Illnesses||14 Days|
|No Annual Dental Exam Required|
|Initial Vet Visit Requirement||Within 12 Months Prior to Enrollment||Within 6 Months Prior to Enrollment|
|24/7 Pet Telehealth|
|Multiple Pet Discount|
|Cruciate Ligament Waiting Period||6 Months (Optional Waiver Process Available)||6 Months|
|Reimbursement Method||Deductible then Copay||Copay then Deductible|
|No Itemized Limit on Behavioral Coverage|
|No Claim Form Required When Submitting Through Online Account|
|Grooming & RX Food Covered with Optional Wellness Plan|
|Coverage for Racing & Guarding Activities|
10 Reasons to Consider Embrace over Fetch Pet Insurance
1. Fetch Doesn’t Offer a Wellness Plan. Embrace Does.
Unlike Fetch by the Dodo – which doesn’t offer a preventative care plan to help with routine care for your pet – Embrace offers Wellness Rewards which pairs perfectly with your accident and illness policy to protect your pet in sickness and in health. Wellness Rewards is a non-insurance wellness plan you can purchase in addition to your insurance policy to help with yearly exams, vaccines, spay or neuter procedures, training, grooming, and more.
2. Embrace Offers a 24/7 Pet Health Line. Fetch Does Not.
Embrace’s PawSupport pet health line gives you access to Pet Pros who can offer you around-the-clock decision support about your pet’s health. Access to PawSupport is included in every Embrace policy at no additional charge.
3. Embrace Has a Shorter Accident Waiting Period.
Fetch Pet Insurance has a 14-day waiting period for all accidents. Embrace Pet Insurance has a two-day waiting period for accidents so your pet will be covered sooner.
4. Fetch by the Dodo Takes Longer to Process Claims than Embrace.
Claims submitted by Fetch policy owners are typically processed within 15 days, which can make budgeting difficult when unexpected expenses arise. Most of Embrace’s claims are processed within 10 days, with Wellness claims taking as little as five.
5. For Pre-existing Knee, Cruciate Ligament, and Hip Dysplasia Issues, Fetch Has a Six-Month Waiting Period.
While Embrace has a six-month waiting period for orthopedic conditions (dogs only), an Orthopedic Exam and Waiver Process is offered which may reduce the waiting period to as little as 14 days.
6. Fetch Doesn’t Cover Rx Food.
With Embrace’s Wellness Rewards preventative care plan – a non-insurance wellness plan that can be purchased in addition to your policy – your pet’s prescription diet food and nutritional supplements are covered.
7. Fetch’s Rates Automatically Change as a Pet Gets Older.
Pet insurance rates typically increase as pets age, but Embrace offers a Healthy Pet Deductible which reduces your annual deductible by $50 each year that you don’t receive an insurance claim reimbursement. The Healthy Pet Deductible is included with every policy at no extra charge. So, while your pet may be aging, saving money never gets old.
8. Embrace Offers a Multi-Pet Discount. Fetch Does Not.
Embrace offers a 10% multiple pet discount for policies with two or more pets. If you love having more than one pet, you’ll love having more savings. And, the discount is added automatically, so there’s nothing extra you need to do.
9. Fetch Doesn’t Cover the Costs of Microchipping.
As part of Embrace’s Wellness Rewards preventative care program, the cost for microchipping is reimbursable along with other important products, procedures, and treatments like wearable pet activity monitors, training, routine chiropractic care, massage therapy, toenail trimming, and teeth cleaning. Wellness Rewards is a non-insurance wellness plan that can be purchased in addition to your policy.
10. Embrace Offers Superior Customer Service.
Since its founding in 2003, Embrace has insured over 590,000 pets and paid over 1,040,000 claims. Those impressive stats are driven by superior customer service, and has earned Embrace a TrustPilot score of 4.3 versus Fetch by the Dodo’s 4 score. Embrace is also highly rated with Consumers Advocate and Google Reviews, and named one of America’s Best Insurance Companies for 2022 by Forbes.