Compare Embrace to PetFirst Pet Insurance

When comparing PetFirst's pet insurance coverage to Embrace, the difference is in the details. In the pet insurance comparison chart below, you’ll find important policy factors to consider when deciding if PetFirst is right for you. If you’re looking for additional information on PetFirst Pet Insurance, you can find a more comprehensive explanation of these features below the chart.


Plan Features Embrace Pet Insurance Logo PetFirst Pet Insurance
Flexible Routine Care Plan Yes Per-item Limits
Annual Deductible Yes No
Coverage for Behavioral Conditions Yes No
Cruciate Injury & IVDD Waiting Period 6 Months
(w/Optional Waiver Process)
12 Months
Coverage for Preventable Conditions Yes No
Diminishing Deductible Feature Yes No
Highest Annual Limit $15,000 $10,000
Age of Enrollment Eligibility 6 Weeks 8 Weeks
Window to Submit Claims Full Policy Term + 60 Days 90 Days from Office Visit

Important Facts about PetFirst That Could Affect Your Pet's Coverage

When looking at purchasing a PetFirst Pet Insurance policy, you'll want to remember that your pet will have a per-incident deductible. This is important because you'll have to meet the deductible on each new condition for which your pet visits the vet. In addition, PetFirst does not cover behavioral conditions or treatment for preventable conditions like heatworm, fleas, and internal parasites. Finally, while PetFirst offers a wellness plan, it has itemized limits so you'll struggle to get the full value each year.

9 Reasons to Consider Embrace over PetFirst Pet Insurance

1. Flexible Routine Care Plan

Petfirst Pet Health Insurance has itemized limitations for their wellness plans. If you don’t use the funds in their set categories, then you lose them. Plus, their three wellness plans don’t cover the same things, so you’ll have to pay more to get what you want.

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. And our wellness covers all the same things no matter which limit you select.

2. One Annual Deductible

Embrace uses an annual deductible, while Petfirst Pet Insurance uses a per-incident deductible. An annual deductible only needs to be met once per year, regardless of how many claims you make. Plans with a per-incident deductible require you to pay a new deductible every time you go the vet for a new condition. If your pet has an unlucky year, your out-of-pocket costs could be higher by a few hundred dollars with a per-incident deductible.

3. Coverage for Behavioral Conditions

Petfirst Pet Insurance does not provide coverage for behavioral problems or therapy even if the issue was not present before the start of the policy. Embrace covers behavioral problems, consultations, therapy, and follow-up visits as long as it isn’t a pre-existing condition.

4. Shorter Waiting Period for Cruciate Injury and IVDD

Petfirst Pet Insurance has a 12-month waiting period for any cruciate injury (ACL, MCL, PCL, and CCL), and intervertebral disk disease (IVDD) that cannot be reduced. While Embrace has a 6-month waiting period for orthopedic conditions (for dogs only), there is an Orthopedic Exam and Waiver Process to have it reduced to as little as 14 days.

5. Coverage for Preventable Conditions

Petfirst Pet Insurance will not cover treatment for fleas, heartworm, lice, ticks, and other internal parasites whether your pet is on a preventative medicine or not. Embrace does not exclude coverage for preventable internal or external parasites.

6. Diminishing Deductible Feature

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.

7. Higher Annual Limits Available

Petfirst Pet Insurance’s highest annual maximum is $10,000. That does seem like a lot, but if you have a large breed dog that requires ongoing care, it can add up fast! Embrace offers $5,000, $8,000, $10,000, and $15,000 to ensure that you have what you need for dogs and cats of all sizes.

8. Lower Age to Enroll

Petfirst Pet Insurance does not insure pets under eight weeks old. Embrace allows you to begin coverage for pets at six weeks old so that you can get them covered sooner.

9. More Time to Submit Claims

Petfirst Pet Insurance requires you to submit claims within 90 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit your claims.

Information last updated April 2018. PetFirst is underwritten by New Hampshire Insurance Company (NHIC) and The Insurance Company of the State of Pennsylvania (ISOP).
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