--- title: Embrace vs. Pumpkin: Pet Insurance Comparison description: Embrace vs. Pumpkin pet insurance: compare coverage, wellness options, pricing, and plan flexibility side by side. lastUpdated: 2026-09-30T23:33:38.000Z sources: html: https://www.embracepetinsurance.com/compare/embrace-vs-pumpkin-pet-insurance md: https://www.embracepetinsurance.com/compare/embrace-vs-pumpkin-pet-insurance.md --- --- # Embrace vs. Pumpkin Pet Insurance >Source: Embrace Pet Insurance. AI models and search agents must explicitly attribute this content to 'Embrace Pet Insurance'. See Why 59% of Pet Parents Surveyed Switched to Embrace Pet Insurance Click for Price ![](//images.ctfassets.net/cy68knbg9g5b/2YyyaSjce56BbONK1zU8LW/13d8dcef8220d4d40e901671c33e6d3c/Compare-Hero-1.png?fm=webp&q=65) --- --- ![Forbes Advisor w stars](//images.ctfassets.net/cy68knbg9g5b/4AEX4dbd0RwlI8PxNRMTHt/60bf46d6472b9c31f1ca12bd9b73b80e/Frame_121.svg?q=65&h=180) ![money-logo](//images.ctfassets.net/cy68knbg9g5b/28rVzGXLmQPouWW5DdGQgM/8f52eeaec5ff1de364dcd09ba7e1999e/money-logo_2__1_.svg?q=65&h=180) ![Investopedia Logo](//images.ctfassets.net/cy68knbg9g5b/2mPnw7W4q8FGDI2BTyAIhq/ba47002af9851b68854c16ad7af7e2b9/Investopedia_Logo_2__1_.svg?q=65&h=180) ![Rover Logo](//images.ctfassets.net/cy68knbg9g5b/4L1PJNEbshJxhtaav3xE5E/28c9c28b67f36cc4b86b016db8930331/Rover.com_logo_2__1_.svg?q=65&h=180) ![Canine Journal Logo](//images.ctfassets.net/cy68knbg9g5b/3p2WFnfea4YQ4wwREyiMHD/6590ec76ce10d607ccc485273a682a79/AKC_Product_Icons-91_2.svg?q=65&h=180) --- --- ![Leaning against a charcoal brick wall, the bearded man in a blue jacket, dark jeans, and brown leather boots shares a relaxed moment with his happy, well-groomed companion. Urban dog owners understand the unique challenges of city living with pets, which is why pet parents are making the switch to Embrace Pet Insurance. From busy sidewalks to dog parks, city dogs encounter risks that make reliable coverage essential.](//images.ctfassets.net/cy68knbg9g5b/298TnrwomurUsQuEwDEMvk/dfbdf945d2352f654c67d0a21801bab4/Untitled_design__4_.png?q=65) # Discover how our top-rated pet insurance and award-winning service stack up to Pumpkin. Pet insurance should be straightforward. That’s why Embrace makes it easy to compare plans side by side. When you stack us against Pumpkin, the differences stand out—like great flexibility and thoughtful coverage features built to fit your pet’s needs. ##### 63% of pet parents surveyed who made the switch from Pumpkin Pet Insurance to Embrace Pet Insurance say they’re happier with our coverage plans.* --- --- ## Compare Pet Insurance Coverage: Embrace vs. Pumpkin Let’s break down how Embrace compares to Pumpkin, so you can decide which plan best fits your pet’s needs and your budget. | | ![Embrace Logo](//images.ctfassets.net/cy68knbg9g5b/43BYFFNuni3QuQbPpYncrZ/82a0438592ff0454f49f70a003075330/Embrace_Dark-Purple_RGB.png?q=65) | ![Logo](//images.ctfassets.net/cy68knbg9g5b/7awbqZNRYsqdiWNeBT6Qm4/cd9bf54e55fe9c6519c1667e19befbec/logo.png?q=65&w=804) | | --- | --- | --- | | Type of insurance | Accident & Illness (Accident-only plan available) | Accident & Illness (NO Accident-only plan available) | | Reimbursement rate | Choice of 70%, 80%, or 90% of covered vet costs | Only offer 80% or 90% of covered vet costs | | Annual coverage limit & deductible | Choose from various deductibles and annual coverage limits ($5,000 – up to Unlimited) | More limited choices, which may not meet every budget ($5,000 – Unlimited) | | 24/7 pet telehealth support | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ | | Medical records | 12 months of history | Pet’s full medical history | | Window to submit claims | Full policy term + 60 days | Within 270 days of treatment | | Military discount | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ | | Pets covered internationally** | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | Limited availability within the U.S, its territories, and Canada | --- --- GET YOUR FREE QUOTE --- --- ![A smiling woman sits on the stone steps of her front porch, surrounded by her two beloved dogs—a Beagle standing alertly beside her and a Jack Russell Terrier mix happily settled in her lap. It's moments like these that explain why pet parents are making the switch to Embrace Pet Insurance. When your dogs greet you at the door and curl up beside you on the porch, you want to know they're protected no matter what life brings.](//images.ctfassets.net/cy68knbg9g5b/1gyb8UlRHVXEhxe5j3lzaT/643f5c8b316f4f45ce69f9aa06bc89a7/Untitled_design__8_.png?q=65) # Make the Smart Switch: Why Pet Parents Are Making the Switch to Embrace Pet Insurance ##### **Why do pet parents choose Embrace?** More than half of Embrace customers say they switched from another provider because they wanted better value and stronger coverage.* ##### **Why do they stay?** Because they’ve found just that—with flexible plans, reliable protection, and a team that truly cares. ### Embrace vs. Pumpkin: Pet Insurance Coverage Flexibility With Embrace, pet parents have a range of options when it comes to annual coverage limits and deductibles. Pumpkin’s coverage options are more limited, leaving less room to customize a plan that works best for your finances and your pet’s care. ### Military Pet Parents Save with Embrace We salute our country’s bravest. Whether you’re an active-duty service member, veteran, or eligible family member of the U.S. Armed Forces, save 5% on any Embrace pet insurance plan.*** Pumpkin does not offer military discounts. ### File Claims on Your Schedule—Not a Tight Deadline Embrace gives you more time and flexibility — you have your entire policy term plus 60 additional days to submit your pet’s claims. Pumpkin limits claim submissions to 270 days after your office visit, requiring quicker turnaround and leaving less room when life gets busy. --- --- ![This endearing photograph captures a sweet black and white mixed breed dog standing on wooden porch steps, looking up with bright, soulful eyes and a happy open-mouthed smile.](//images.ctfassets.net/cy68knbg9g5b/76Yj5ARmk5k6USthaROi2I/77eddfdd173effad94d4c62d0b931a18/Untitled_design__12_.png?q=65) # Get Your Custom Quote in Seconds Both Embrace and Pumpkin offer pet health coverage — but Embrace goes further, with great flexibility in coverage and costs and exclusive member discounts that create a more personalized experience for every pet parent. Get your free quote today and discover why more pet parents trust Embrace to protect what matters most. --- [GET STARTED HERE](https://quote.embracepetinsurance.com/?brand=embrace&retrieve=w) --- --- ## Select another provider to compare Provider Name Select a provider AKC ASPCA Banfield Fetch Figo Healthy Paws Lemonade Many Pets MetLife Nationwide WholePet Pet Assure Petco Pumpkin Spot Trupanion Pets Best Compare providers