Embrace vs. Trupanion

With pet insurance, the difference is in the details. That's why we've compiled a list of important comparison points between Embrace and Trupanion, so you can decide for yourself.


Logo Trupanion Pet Insurance
Optional Routine Care Plan True
Coverage for Exam Fees True
Annual Deductible True
Alternative Therapy Coverage True True
Extra Cost
Diminishing Deductible True

Optional Routine Care Plan

Trupanion currently does not offer routine care coverage. 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.

Coverage for Exam Fees

Trupanion does not reimburse you for veterinary exam fees, which leaves a large gap in coverage. Office visit and exam fees are a major part of your veterinary bill. Exam fees at specialty and emergency hospitals can often cost $100 or more. Not having coverage for office visits is like having an extra deductible each time you go to the veterinarian.

Annual Deductible

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 you make. Plans with a per-condition deductible require you to pay a new deductible every time you go the vet for a new condition. If your pet has an unlucky year, your out-of-pocket costs could be higher by a few hundred dollars with a per-condition deductible.

Alternative Therapy Coverage

Trupanion charges an additional premium for their 'Recovery and Complementary Care Rider' package that covers alternative therapies. Here at Embrace we provide one simple comprehensive plan to cover your pet's medical expenses. When it comes to treatment we want you to be able to consider any and all options presented by your veterinarian, which is why we cover alternative therapies standard with every policy.

Diminishing Deductible

Embrace is the only pet insurer to offer a diminishing deductible. 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.

Information last updated July 2017. Trupanion is underwritten by American Pet Insurance Company.