Compare AKC Pet Insurance vs Embrace Pet Insurance Plans

AKC Pet Insurance and Embrace Pet Insurance are two of the best pet insurance companies in America.

AKC Pet InsuranceEmbrace Pet Insurance
Price:Get a Quote Get a Quote
Overall Rating:
Total Reviews:27,58211,214
Deductible:$100 - $1,000$200 - $1,000
Reimbursement:80%70 - 90%
Annual Limit:$1,500 - $10,000$5,000 - $30,000
Company Profile:Company Overview Company Overview
Waiting Period for Accidents:3 days2 days*
Waiting Period for Illnesses:14 days14 days
Waiting Period for Orthopedic Coverage:14 days6 months**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Optional Optional
Vet Restrictions:NoneNone

AKC Pet Insurance Enrollment Requirements

  • Minimum age: 8 weeks old for puppies
  • Minimum age: 10 weeks for kittens
  • Maximum age: Pet must be less than 9 years old to at time of enrollment in order to be eligible for accident and illness coverage
  • Pets of any age can enroll in AKC’s Accident Only Plan

Embrace Pet Insurance Enrollment Requirements

  • Maximum age for enrollment in full accident & illness coverage is 14 years
  • Pets older than 15 are eligible for an accident-only policy
  • Minimum age for enrollment is six weeks
  • Pets must have been examined by a licensed veterinarian in the 12 months prior to the policy start date. If there is no noted exam prior to the policy start date, an exam is required within the first 14 days of the policy.
  • Pet parents can cancel policies immediately over the phone with no penalty
  • Claims must be submitted within the policy year plus 60 day

Other Provisions

  • There is a defined appeal process for claims
  • Reimbursement method: Direct deposit or check
  • Prescription medications: Included with all accident and illness policies
  • There is a 14-day waiting period for illnesses
  • * There is a 2-day waiting period for accidents in most states
  • ** There is a 6-month waiting period for orthopedic conditions for dogs only. This can be reduced by following Embrace‚Äôs Orthopedic Exam and Waiver Process

Summary

These are both great options.

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