Embrace vs Pets Best
Fewer fees, bigger discounts, more included care
 | Pets Best |
|---|---|
10% savings for each additional pet. | 5% for each additional pet. |
Breed-specific conditions, like hip dysplasia, are covered. | Limited, with stricter eligibility rules. |
Diagnosis and treatment of psychological or emotional disorders are included at no additional cost. | Only covered as an add-on. |
Treatments like acupuncture, hydrotherapy, rehabilitation, and chiropractic therapy are covered in every base policy. | Similar treatments are limited to certain higher-tier plans. |
Submissions can be made any time within full policy term + 60 days after renewal. | 180 days from the vet visit. |
Eligible dental illnesses are covered without requiring a yearly dental cleaning, whatever the pet’s age. | Required for pets aged 3 and over. |
Travel with your pet is covered for up to 6 consecutive months per trip. | Limited availability. |
| Plan features |  | Pets Best |
|---|---|---|
| Multi-pet discount | 10% savings for each additional pet. | 5% for each additional pet. |
| Hereditary & congenital condition coverage | Breed-specific conditions, like hip dysplasia, are covered. | Limited, with stricter eligibility rules. |
| Behavioral therapy coverage | Diagnosis and treatment of psychological or emotional disorders are included at no additional cost. | Only covered as an add-on. |
| Acupuncture and rehab coverage | Treatments like acupuncture, hydrotherapy, rehabilitation, and chiropractic therapy are covered in every base policy. | Similar treatments are limited to certain higher-tier plans. |
| Window to submit claims | Submissions can be made any time within full policy term + 60 days after renewal. | 180 days from the vet visit. |
| No dental cleaning requirement | Eligible dental illnesses are covered without requiring a yearly dental cleaning, whatever the pet’s age. | Required for pets aged 3 and over. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | Limited availability. |
| Get your quote |
With Embrace, dental coverage doesn't hinge on a cleaning schedule.
Embrace doesn’t require an annual cleaning to keep your dental coverage active, whatever your pet's age.
With Embrace, an unexpected vet bill doesn't come with unexpected paperwork fees.
Administrative charges are part of the invoice, so we treat them as part of the claim. No surprises, just the best care for your pet.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
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Where Embrace wins over Pets Best
Embrace includes treatments like acupuncture and rehab in every plan
With Embrace, the care that keeps your pet healthy and happy comes with no extra cost, provided they’re performed by a licensed veterinarian. Like acupuncture, chiropractic care, laser therapy, hydrotherapy and rehabilitation – all are covered with a standard accident and illness policy.
Pets Best covers some alternative therapies too, but typically only on higher-tier plans or as paid add-ons. With Embrace, holistic care is built in.Embrace offers more discounts for more pets
Multi-pet households are on the rise in the United States. So are the expenses that come with having more than one dog or cat. With Embrace, you can save 10% for an additional pet — twice what Pets Best offers on eligible plans. Across a full year, those savings add up for your multi-pet family.
Embrace gives you a claim window that works around your life, not the other way around
Embrace allows claims to be submitted for the full policy term plus 60 days after renewal, so you can gather documentation without rushing.
Pets Best requires submission within 180 days of treatment, a deadline you can miss when you're busy organizing records during a difficult stretch for you and your pet.Pets Best doesn’t cover admin fees
An unexpected trip to the vet brings more than treatment costs — administrative fees. These additional fees are unavoidable and add up fast. Unlike Pets Best, Embrace covers those fees on accident and illness claims, so nothing on the invoice gets paid out of your pocket.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)