See Why 59% of Pet Parents Surveyed Switched to Embrace Pet Insurance
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.
Let’s break down how Embrace compares to Pumpkin, so you can decide which plan best fits your pet’s needs and your budget.
 |  | |
|---|---|---|
| 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 |  | ✗ |
| 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 | | ✗ |
| Pets covered internationally** | | Limited availability within the U.S, its territories, and Canada |
More than half of Embrace customers say they switched from another provider because they wanted better value and stronger coverage.*
Because they’ve found just that—with flexible plans, reliable protection, and a team that truly cares.
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.
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.
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.
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.
*Data and customer testimonials based on Q1 2025 Embrace Pet Insurance survey polling Embrace policyholders who previously had pet insurance with a different carrier.
** Embrace offers coverage for your pet when you travel, even internationally, for up to 6 consecutive months
***Proof of status is required after purchase. Military discount is not available in NY or TN.
Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.
Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit https://www.embracepetinsurance.com/wellness-rewards-terms-of-service (c) 2025 American Modern Insurance Group, Inc.
