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AKC vs. Embrace Pet Insurance

Here is a quick, side-by-side comparison of AKC Pet Insurance and Embrace Pet Insurance.

AKC Pet Insurance


Embrace Pet Insurance
Average Price
$28 - 55/mo.
$40 - 68/mo.
A.M. Best Rating A- (Excellent) A+
BBB Rating A A+
Customer Satisfaction NA 92%
Total Reviews NA 8,525 reviews
Deductible $100 - 1,000
$100 - 500
Reimbursement 80% 65 - 90%
Annual Limit $1.5k - 10k
$5k to 15k
Per Incident Limit $3k - 16k None
Company Profile AKC Overview Embrace Overview
Waiting Period for Accidents 3 days 2 days*
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 14 days
6 mos.
Emergency Care
Cancer Coverage
Orthopedic Issues Excludes luxating patella and cruciate ligament damage
Hereditary Conditions Optional
Chronic Conditions
Prescription Meds For additional cost
Cancer Coverage
Dental - Accidents
Wellness Coverage
Optional Optional
Vet Restrictions None None

Note: Pet insurance companies do not cover pre-existing conditions

*Most states have a 2-day waiting period, some are 14 days

Bottom Line

AKC and Embrace Pet Insurance are very similar in that they both offer customized plans with the option of wellness coverage. The biggest difference between the two is that AKC has a per incident limit that restricts what can be paid for a specific condition. This can be an issue if your dog or cat needs expensive, long-term care for cancer or heart disease.

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