Compare Embrace to Trupanion

When looking at Trupanion's pet insurance coverage, it's important to remember that they don't cover exam fees, which can be a significant expense if your pet needs a specialist or has a condition that requires frequent trips to the vet. In addition, Trupanion has a per-incident deductible which will need to be met each time you visit the vet for a new condition. Finally, Trupanion doesn't offer a routine care plan, so you'll have to cover those expenses on your own. 

 

Plan Features Embrace Pet Insurance Logo Trupanion Pet Insurance
Flexible Routine Care Plan Yes No
Coverage for Exam Fees Included Yes No
Alternative Therapy Coverage Yes Extra Cost
Waiting Periods 2 Days for Accidents
14 Days for Illnesses
30 Days for Illnesses
5 Days for Accidents
Annual Deductible Yes No
Customizable Annual Maximum & Reimbursement Percentage Yes No
Medical Records Requirement 12 Months 18 Months
Medical History Review OptionYes No
No Time Restrictions on RX Diet Reimbursement Yes No
Diminishing Deductible Feature Yes No
Window to Submit Claims Full Policy Term + 60 Days 90 Days from Office Visit
Maximum Age of Enrollment Eligibility  Accidents & Illnesses: 14Years Old
Accident-only: None
14 Years Old
12-month Policy Term Yes No
Coverage for Preventable ConditionsYes No
No Annual Dental Exam Requirement Yes No
Multiple Pet DiscountYes No
Pets Covered InternationallyYes No
Coverage for Pets Who RaceYes No
24/7 Pet Health LineYes No

19 Reasons to Consider Embrace over Trupanion Pet Insurance

1. Trupanion Doesn’t Offer A Wellness Plan

Trupanion covers only accidents and illnesses with no option for routine care reimbursement. 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.

Without the option of a wellness plan there are gaps in Figo’s policy. With Embrace there’s no doubt that you have total protection in sickness AND in health.

2. Trupanion Doesn’t Reimburse Exam Fees

Trupanion does not include the exam fee in their reimbursement. Visiting an emergency hospital, or even going to a scheduled visit at your primary veterinarian or a veterinary specialist, can include an expensive exam fee – sometimes well over $100. Not having coverage for these fees is like having to pay an extra deductible at every visit. Embrace believes that this fee should be covered.

3. Embrace Includes Alternative Care at No Extra Cost

Trupanion doesn’t include alternative treatments like acupuncture or chiropractic care in their policy. In order to get alternative therapy coverage, their “Recovery and Complementary Care” rider would need to be purchased at an additional cost. Embrace includes alternative therapy on every policy at no extra cost.

4. Embrace has Shorter Waiting Periods than Trupanion

Trupanion has a 30-day waiting period for all illnesses and a 5-day waiting period for accidents. Embrace has a 14-day waiting period for illnesses and a 2-day waiting period for accidents to get you covered sooner.

5. Embrace Offers One Annual Deductible No Matter the Number of Vet Visits

Embrace uses an annual deductible, while Trupanion uses a per-condition deductible. An annual deductible only needs to be met once per year, regardless of how many claims are made. Plans with a per-condition deductible require a new deductible be paid for every vet visit for a new condition. If a pet has an unlucky year, the out-of-pocket costs could be higher by a few hundred dollars with a per-condition deductible.

6. Embrace Offers More Budget-friendly Coverage Options than Trupanion

Trupanion does not allow personalization to the annual maximum or the percentage of reimbursement of their plan. Embrace allows you to pick your annual deductible, annual maximum, and percentage of reimbursement.

Trupanion’s policy is a set reimbursement that leaves little wiggle room. With their high reimbursement percentage, the premium is likely to be much higher. All pet insurance premiums increase over time for one reason or another, and with Embrace’s policy you can make small changes in your coverage to fit your budget.

7. Embrace Requires Less Medical History to Process Claims

Trupanion requires 18 months of a pet’s medical records to process claims. Embrace only needs the last 12 months of records or, for new pets, records back to the first visit you’ve had with them.

8. Trupanion Doesn’t Review Medical Records Before Claim Time

Embrace offers you an optional 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. Trupanion also does not offer any review of a pet’s medical records at enrollment, leaving it to be done when the first claim is filed.

9. With Embrace, Premiums are Set for 12 Months

Trupanion’s policy renews each month and that could mean a premium increase at any time. Embrace policies are 12 months long so your premium is set for the year unless you change addresses or adjust your policy.

This also means that Trupanion doesn’t allow annual payment for the premium. With Embrace, you can pay your entire policy premium for the year or by month. Plus, if you choose to pay the premium annually, you do not have to pay the $1.00 monthly service charge so it’s almost like getting a discount for paying the year in full.

10. Embrace Reimburses More for Prescription Diets

Trupanion offers only 50% back on prescription diet foods under their main policy and this reimbursement is subject to deductible and copay. Plus, they’ll only cover it for two months. Embrace reimburses prescription diet foods with Wellness Rewards 100% up to your selected annual allowance with no time restrictions.

11. 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 a claim reimbursement. This is included with every policy at no extra charge.

12. Embrace Allows More Time to Submit Claims

Trupanion requires claims be submitted within 90 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit your claims.

13. Embrace has Higher Age Limits at Enrollment

Trupanion’s cutoff age for enrolling pets is 14 years old. At Embrace, your pets are eligible for accident and illness coverage up to their 15th birthday and after 15 years of age they are eligible for an accident-only policy. Wellness Rewards is available with all policies.

14. Trupanion Doesn’t Cover Preventable Conditions

Trupanion does not cover conditions that are preventable with vaccines or preventatives, including heartworm, fleas, internal parasites, and more. Embrace covers preventable conditions.

15. No Dental Exam Required with Embrace

In order to receive coverage for dental illness under Trupanion’s policy, pets must undergo an annual dental exam at owner’s expense. Embrace’s dental illness coverage doesn’t require any sort of annual checkup.

16. Embrace Offers a Multiple-pet Discount

Trupanion does not offer a discount for having multiple pets on a policy. Embrace offers a 10% discount (5% in NY & WA) for having multiple pets on your policy.

17. Trupanion Doesn’t Cover Pets Internationally

Trupanion’s policy only covers pets in the United States, Puerto Rico, and Canada. Embrace covers your pet wherever you travel, even when traveling internationally for up to six months.

18. Embrace Offers Coverage for Pets Involved in Organized Racing

Trupanion will not cover injury or illness that a pet sustains while racing. As long as you let us know that your pet is involved in racing at the start of your plan or when they become involved in racing, Embrace will cover them.

19. Trupanion Doesn’t Offer 24/7 Pet Health Line

Trupanion does not give their policyholders access to Pet Pros 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, 7 days a week – even on holidays. And the best part is that this feature is included with every policy at no extra cost.

Mind if we pay your vet bills?