Compare Embrace to Petco Pet Insurance

Petco Pet Insurance’s policy has limited deductible options, which can make it tough to get a policy that fits your budget. Their wellness plan also has itemized limits, so it’ll be more difficult to get the full benefit of it each year. Plus, Embrace offers the industry’s best diminishing deductible – something that Petco Pet Insurance doesn’t have.

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.

Compare

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

Petco Pet Insurance
Plan Features
Preventative Care Plan
Deductible Options 10 3
Waiting Periods 2 Days for Accidents 14 Days for Illnesses 15 Days for Accidents & Illnesses
Medical Waste Fee Coverage
Covers Working, Racing, & Guarding Activities
Diminishing Deductible
Dental Illness Coverage Included
Direct Pay From Checking/Savings Account
No Claim Form Required When Submitting Through Online Account

9 Reasons to Consider Embrace over Petco Pet Insurance

headshot of a happy Pitbull

1. Petco Pet Insurance has Itemized Limitations for Wellness Plans

Petco Pet Insurance has itemized limitations for their wellness plans. If you don’t use the funds in their set categories, then you lose them. Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs with no itemized limits.

2. Embrace Offers More Deductible Options that Work with Your Budget

Petco Pet Insurance only offers $100, $250, and $500 deductible options, which can be limiting when it comes to finding the most affordable plan. Embrace offers deductible options as high as $1,000 so you can find the perfect plan for you and your furry friend.

3. Embrace Has Shorter Waiting Periods Than Petco Pet Insurance

Petco Pet Insurance has a 15-day waiting period for accidents and illnesses. Embrace has a 14-day waiting period for illnesses and only a two-day waiting period for accidents to get you covered sooner.

4. Medical Waste Fees are Covered with Embrace

Petco Pet Insurance does not include medical waste fees in their coverage. This charge usually isn’t a very significant piece of the vet bill, but it can add up if pets are seen weekly or monthly. Embrace includes this coverage in our policy at no extra cost.

5. Embrace Covers Working, Racing, & Guarding Activities

Petco Pet Insurance doesn’t cover injury or illness a pet sustains while racing, working with law enforcement, or guarding. As long as you let us know your pet is involved in any of these activities at the start of your plan, or when your pet becomes involved, Embrace will cover them.

6. Embrace Offers the Industry’s Best Diminishing Deductible Feature

With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive an insurance-claim reimbursement. This is included with every policy at no extra charge.

7. Petco Pet Insurance Doesn't Include Dental Illness Coverage

Petco Pet Insurance does not cover dental illnesses in their policy; it must be added at an additional cost. Plus, the dental rider doesn't cover caps, crowns, crown amputations, fillings, or root canals. Embrace covers dental illnesses under our accident and illness insurance policy up to $1,000 per policy year.

8. Embrace Offers More Payment Options

Petco Pet Insurance only accepts credit or debit cards, which limits how the premium can be paid. Embrace accepts payment via credit card, debit card, and directly from your checking or savings account.

9. Embrace Pet Insurance Doesn’t Require a Claim Form When You Submit Through MyEmbrace

When you submit a claim through MyEmbrace, Embrace doesn’t require a claim form – you simply fill in the questions online and send pictures of the invoice.