Compare Embrace to Prudent Pet Insurance

Prudent Pet Insurance’s policy lacks much of the flexibility that Embrace offers – including offering fewer deductible options, which makes it harder to get an affordable plan. Plus, their wellness plan has itemized limits that will have you struggling to get the full value each year. Finally, Prudent Pet Insurance does not offer a medical history review when you enroll, so you may be surprised by unexpected pre-existing conditions come claim time.

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.


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

Prudent Pet
Plan Features
Preventative Care Plan Per-item Limits
Deductible Options 10 3
Covers Crowns, Root Canals, and Implants
Direct Pay From Checking/Savings Account
Medical Records Requirement 12 Months Full Medical History
Medical History Review Option
Diminishing Deductible
Flexibility to Change Coverage Anytime
Medical Waste Fee Coverage
Covers Working, Law Enforcement, & Guarding Activities
Window to Submit Claims Full Policy Term + 60 Days 270 Days from Office Visit
24/7 Pet Telehealth
No Claim Form Required When Submitting Through Online Account

13 Reasons to Consider Embrace over Prudent Pet Insurance

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1. Prudent Pet Insurance has Itemized Limitations for Wellness Plans

Because of the limits per-item, any leftover funds in their set categories are lost if they’re not used. Plus, their two wellness plans don’t cover the same things, so it can be tricky to pick the best plan for you. 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. Embrace Offers More Deductible Options that Work with Your Budget

Prudent 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 up to $1,000 so that you can find the perfect plan for you and your furry friend.

3. Embrace Covers Crowns, Implants, and Root Canals

With Embrace's dental illness coverage, we cover anything your pet needs to resolve a dental illness, including crowns, crown amputations, implants, fillings, root canals, and planning under our accident and illness insurance policy up to $1,000 per policy year. Prudent Pet Insurance excludes all of those from their coverage.

4. Embrace Offers More Payment Options

Prudent 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 accounts.

5. Embrace Requires Less Medical History to Process Claims

Prudent Pet Insurance requires a pet’s full medical records to process claims – that could go back many years! Embrace only needs the last 12 months of records or, for new pets, records back to the first visit you’ve had with them.

6. Prudent Pet Insurance Doesn’t Review Medical Records Before Claim Time

Prudent Pet Insurance does not offer any review of a pet’s medical records at enrollment, leaving it to be done when the first claim is filed. Embrace offers an optional, free Medical History Review. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.

7. 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.

8. Change Coverage Anytime with Embrace

Prudent Pet Insurance only allows changes to coverage at the start of a new policy period (once per year). With Embrace, you can make changes to your coverage at any time.

9. Embrace Includes Coverage for Medical Waste Fees

This fee is usually under $10 but it’s still part of the bill – and if your pet is seen weekly or monthly, it can add up. Prudent Pet Pet Insurance doesn’t cover this fee. Embrace includes this coverage in our policy at no extra cost.

10. Embrace Covers Working, Law Enforcement, and Guarding Activities

Prudent Pet Insurance doesn’t cover injuries or illnesses a pet sustains while working, including those in law enforcement and 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.

11. Embrace Allows More Time to Submit Claims

Prudent Pet Insurance requires claims to be submitted within 270 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit claims

12. 24/7 Pet Help Line

Prudent Pet Insurance does not give their policyholders access to pet professionals round-the-clock, so if you have questions about your pet’s behavior, diet, or a possible emergency, you’d have to wait for your vet’s regular business hours. Embrace has partnered with PawSupport to give our policyholders access to Pet Pros 24 hours a day, seven days a week – even on holidays. And the best part is that this feature is included with every policy at no extra cost.

13. 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.