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Embrace vs. PetFirst Pet Insurance

Embrace and PetFirst are two of the most respected pet health insurance companies in the U.S. Here is a simple side-by-side comparison of the two companies.



Embrace Pet Insurance

PetFirst Pet Insurance
Average Price
$40 - 68/mo.
$33 - 61/mo.
A.M. Best Rating A+ A+
BBB Rating A+ A+
Customer Satisfaction 92% NA
Total Reviews 8,525 reviews NA
Deductible $100 - 1,000
$50 - 500
Reimbursement 65 - 90% 70 - 90%
Annual Limit $5k - 15k
$1k - 10k
Company Profile Embrace Overview PetFirst Overview
Waiting Period for Accidents 2 days* 14 days
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 6 mos.
12 mos. for cruciate ligaments
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds For additional cost
Dental - Accidents
Cancer Coverage
Wellness Coverage
Optional Optional
Vet Restrictions None None

✓ = Included   O = Optional   X = Excluded

Note: Pet insurance does not cover pre-existing conditions

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


Embrace and PetFirst are both great choices for dog and cat owners. Both companies offer excellent major medical coverage and optional wellness care coverage.

One consideration is that Embrace has an annual deductible and PetFirst has a per-incident deductible, which is applies each time you file a claim. In this aspect Embrace has an edge.

The bottom line is that you would be happy with either provider. It just depends on what type of coverage you are looking for.

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