---
title: Embrace vs Fetch | Compare Plans
description: Compare Fetch by the Dodo's pet insurance features against Embrace Pet Insurance on coverage, wellness options, limitations, and more.
lastUpdated: 2025-10-02T19:05:44.000Z
sources:
  html: https://www.embracepetinsurance.com/compare/embrace-vs-fetch
  md: https://www.embracepetinsurance.com/compare/embrace-vs-fetch.md
---

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# Compare Embrace to Fetch

Embrace Pet Insurance has been protecting pets for close to 20 years, and our experience shows. Fetch Pet Insurance has extended claims processing times, a longer waiting period for accidents, and most importantly, no 24/7 pet health line, and multi-pet discount. These are advantages offered by Embrace, an experienced insurance provider.

Have more questions? Our Pet Insurance Advisors are here to help. Give us a call at (800) 779-1539 and we’ll walk you through it.


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## Compare

Select the pet insurance providers below to see how Embrace compares to other plans.

## Select another provider to compare

Provider Name Select a provider AKC ASPCA Banfield Fetch Figo Healthy Paws Lemonade Many Pets MetLife Nationwide WholePet Pet Assure Petco Pets Best Pumpkin Spot Trupanion Compare providers

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| Plan features | ![Logo](/_nuxt/embrace-logo.CdQ34fm8.svg) | Fetch |
| --- | --- | --- |
| No Annual Dental Exam Required | ![Check Icon](-) | ![X Icon](-) |
| Initial Vet Visit Requirement | Within 12 Months Prior to Enrollment | Within 6 Months Prior to Enrollment |
| 24/7 pet telehealth | ![Check Icon](-) | ![X Icon](-) |
| Multiple Pet Discount | ![Check Icon](-) | ![X Icon](-) |
| Reimbursement Method | Deductible then Copay | Copay then Deductible |
| No Itemized Limit on Behavioral Coverage | ![Check Icon](-) | ![X Icon](-) |
| No Claim Form Required When Submitting Through Online Account | ![Check Icon](-) | ![X Icon](-) |
| Grooming & RX Food Reimbursements with Optional Wellness Plan | ![Check Icon](-) | ![X Icon](-) |
| Coverage for Racing & Guarding Activities | ![Check Icon](-) | ![X Icon](-) |

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## 7 Reasons to Consider Embrace over Fetch Pet Insurance

![woman embracing her puppy](//images.ctfassets.net/nx3pzsky0bc9/4fp2y77O8oa9d3EYRrCNOL/29217a4c26ad61f5401cec7d037b7b31/MicrosoftTeams-image__17_.png?w=150)


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### 1 **. 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.

### 2 **. Fetch Pet Insurance 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.

### 3 **. 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 eligible for reimbursement.

### 4 **. 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.

### 5 **. Fetch Doesn’t Always 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. Microchipping is only available in Fetch’s top two tiers of Wellness Plans.

### 6 **. Embrace Offers Superior Customer Service.**

Since its founding in 2003, Embrace has insured over 500,000 pets and covers on average 92% of all claims submitted. Those impressive stats are driven by superior customer service, and has earned Embrace high scores on Google, TrustPilot, Consumer Affairs, and other notable review sites. Embrace was also named one of America’s Best Insurance Companies for 2022 by Forbes earning 4.5 out of 5 stars through Forbes.



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