Select the pet insurance providers below to see how Embrace compares to other plans.
|Preventative Care Plan||Per-item Limits|
|Covers Crowns, Root Canals, and Implants|
|Direct Pay From Checking/Savings Account|
|Medical Records Requirement||12 Months||Full Medical History|
|Medical History Review Option|
|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
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.