Embrace vs. PetFirst

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


Logo PetFirst Pet Insurance
Optional Routine Care Plan True True
Per-Item Limits
Annual Deductible True
Diminishing Deductible True

Optional Routine Care Plan

PetFirst puts limits on how much they will reimburse you per routine care items - making it hard to get your full benefit each year. Embrace's Wellness Rewards is an optional non-insurance product that can be purchased in addition to our accident & illness coverage to help pay for your pet's everyday veterinary, grooming, an training costs. You can spend an annual allowance of $250, $450, or $650 however you see fit.

Annual Deductible

Embrace uses an annual deductible, while PetFirst 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.

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. PetFirst is underwritten by New Hampshire Insurance Company (NHIC) and The Insurance Company of the State of Pennsylvania (ISOP).