Embrace vs Progressive
More coverage, more savings, more of what your pet needs
 | Progressive |
|---|---|
Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required. | Accidental trauma only — no dental illness. |
Ear infections, vomiting, diarrhea, and other temporary illnesses are considered curable and are covered if your pet remains symptom and treatment free for 12 months. | Not covered, even after a symptom-free period. |
Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | Not offered. |
Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan. | Limited coverage for similar treatments. |
Single line carrier. Embrace only insures pets — nothing else. | Multiline insurance carrier, also offering a range of other products like car and home insurance, not specialized on the needs of cats and dogs. |
Travel with your pet is covered for up to 6 consecutive months per trip. | Only covers U.S. and Canada. |
Full policy term + 60 days. | 180 days from treatment. |
Get 10% off when you add another dog or cat to your plan. | 5% for an additional pet on eligible plans. |
Looks at previous 12 months of vet records. | Requires full medical history when filing a claim. |
| Plan features |  | Progressive |
|---|---|---|
| Dental illness coverage | Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required. | Accidental trauma only — no dental illness. |
| Curable pre-existing conditions | Ear infections, vomiting, diarrhea, and other temporary illnesses are considered curable and are covered if your pet remains symptom and treatment free for 12 months. | Not covered, even after a symptom-free period. |
| 24/7 pet telehealth support | Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | Not offered. |
| Acupuncture and rehab coverage | Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan. | Limited coverage for similar treatments. |
| Single line vs multiline insurance carrier | Single line carrier. Embrace only insures pets — nothing else. | Multiline insurance carrier, also offering a range of other products like car and home insurance, not specialized on the needs of cats and dogs. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | Only covers U.S. and Canada. |
| Window to submit claims | Full policy term + 60 days. | 180 days from treatment. |
| Multi-pet discount | Get 10% off when you add another dog or cat to your plan. | 5% for an additional pet on eligible plans. |
| Medical history records | Looks at previous 12 months of vet records. | Requires full medical history when filing a claim. |
| Get your quote |
At Embrace, we’re pet insurance experts – it’s all we do
Unlike some other pet insurance companies, Embrace is a single line insurance carrier. What does that mean? It means we know pets because that’s all we insure. They are our only focus, making us experts in the field with a deep understanding of your pet’s needs.
With Embrace, your coverage doesn’t end at the border
There are no geographical limits with Embrace because international travel with your pet is covered. So, wherever you and your pet go, travel easy knowing you’re fully covered.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Progressive
Dental coverage that covers more than accidents
Progressive coverage does not include dental illness like gingivitis, root canals, malocclusions, and periodontal disease. Their policy only covers accidental dental trauma, like a broken tooth.
Embrace covers dental illness, not just accidents. All standard policies include up to $1000 per year in coverage, with no dental exam required.
24/7 access to telehealth vet care – for free
No matter when your pet gets sick or injured, Embrace makes sure you can reach a qualified Pet Pro any hour of the day through PawSupport — nights, weekends and holidays included, at no extra cost.
Multi-pet savings that add up
For families with more than one pet, Embrace's multi-pet discount of 10% makes coverage more affordable for every animal in the house. So the more pets you add, the more you save.
Progressive offers a 5% discount for another pet.
A claims window that fits your life
Embrace gives you a long runway to submit claims - the full policy term plus 60 additional days. That generous timeline can ease the pressure of collecting paperwork while juggling life and caring for your pet during a rough patch.
Progressive requires claims to be submitted within 180 days from the office visit, which could make collecting late paperwork and receipts more stressful as time runs out.
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%)