Pet Insurance Quotes

Petco Pet Insurance vs. Embrace

One of the biggest differences between Petco and Embrace is that Petco offers accident and illness coverage without the option of wellness coverage while Embrace does offer a wellness option. Both companies have excellent customer service ratings and depending on the type of coverage you’re looking for they are both great options for any pet!

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Petco Insurance Embrace Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 19 10,400
Deductible: $100 - $500 $200 - $1,000
Reimbursement: 70% - 90% 70 - 90%
Annual Limit: $5,000 - Unlimited $5,000 - $30,000
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days 2 days*
Waiting Period for Illnesses: 14 days 14 days
Waiting Period for Orthopedic Coverage: 14 days 6 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: Excluded Optional
Vet Restrictions: None None

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Petco vs. Embrace Pet Insurance

Petco is a nationally recognized pet brands with over 1,500 stores across the United States and Mexico. Embrace, on the other hand, is a less well known business but has been in the pet insurance game since 2003. Both companies offer excellent accident and illness coverage, but Embrace also offers optional wellness and routine care coverage.

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Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request.

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’s Orthopedic Exam and Waiver Process