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Fetch vs. Embrace Pet Insurance

Both Fetch and Embrace have received excellent customer service ratings. Both companies have also been top tier service providers for well over a decade. But aside from great customer service, Fetch and Embrace are actually very different.

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Fetch Pet Insurance Embrace Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 18,228 46,992
Deductible: $300, $500, $700 $100 - $1,000
Reimbursement: 70%, 80%, 90% 70%, 80%, or 90%
Annual Limit: $5K - Unlimited $5,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: up to 15 days 0 days
Waiting Period for Illnesses: up to 15 days 14 days
Waiting Period for Orthopedic Coverage: 6 months for knees (can be waived)** Orthopedic conditions have additional waiting or exclusion periods that vary by state.
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: None None

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Two Great Options

One thing that Fetch and Embrace share in common is excellent customer service ratings. Both companies have been top-tier service providers for well over a decade. But aside from great customer service, Fetch and Embrace are very different.

Fetch offers one simple accident and illness plan that covers unexpected health issues. You can add some bells and whistles and customize your payment, but it’s fairly straightforward.

Embrace, on the other hand, offers the most customized options in the pet insurance market today. You can just about create your own plan to your exact specifications. Or, if you’re feeling lazy, you can take their recommended option.

Fetch Pet Insurance

Fetch’s accident and illness plan is fairly simple and straightforward. It will cover your pet’s unexpected health issues, and you also have the option to further customize it for additional coverage. For example, Fetch pet insurance can also cover the advertising costs needed for lost pets and even vacations that need to be canceled due to an ill pet.

  • View the Fetch general overview
  • Deductible Options: $300, $500, $700
  • Reimbursement Options: 70%, 80%, 90%
  • Emergency Care: Included
  • Waiting period for accidents: Up to 15 days
  • Waiting period for illnesses: Up to 15 days

Embrace Pet Insurance

This pet insurance is one of the most customizable offerings currently on the market. You can certainly opt for a simple, straightforward plan similar to Fetch that covers all accidents and illnesses, or you can personalize your plan according to your needs and those of your pet. The annual maximum, deductible, and reimbursement percentage can all be customized.

  • View the Embrace general overview
  • Deductible: $200 – $1,000
  • Reimbursement: 70%–90%
  • Emergency Care: Included
  • Waiting period for accidents: None
  • Waiting period for illnesses: 14 days

Coverage Comparison

Both Embrace pet insurance and Fetch cover just about everything and offer an optional wellness product. However, Fetch Pet Insurance covers the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more, and you’re covered up to $1,000 per year. Embrace doesn’t cover boarding fees, so if you’re ever hospitalized, you’ll likely need to find someone else to take care of your pet or pay boarding fees out of pocket.

Price Comparison

For a reputable and reliable pet insurance option, you can’t go wrong with either Fetch or Embrace. However, if you would like the ability to adjust your plan to suit your needs and budget, Embrace offers plenty of options.

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Fetch Pet Insurance Enrollment Requirements

*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.

**Orthopedic Health Issues

  • 6-month waiting period for cruciate ligaments and patellar luxation
  • The illness and accident waiting period is up to 15 days and applies to other orthopedic conditions
  • The exclusionary period for knees can be waived with a healthy knee exam or check at the vet while the policy is in force
  • A 30-day waiver is available
  • Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days

Embrace Pet Insurance Enrollment Requirements

  • There is a $25 enrollment fee.
  • The maximum enrollment age for full accident and illness coverage is 14 years old.
  • Pets older than 15 are eligible for an accident-only policy.
  • The minimum age for enrollment is six weeks.
  • Pets must be examined by a licensed veterinarian 12 months before the policy start date. If there is no noted exam before 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 days.

Other Provisions

  • There is a defined appeal process for claims.
  • Reimbursement method: direct deposit or check.
  • Prescription medications are included with all accident and illness policies.
  • There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state

*Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.