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 $100 - $1,000
Reimbursement: 70% - 90% 70%, 80%, or 90%
Annual Limit: $5,000 - Unlimited $5,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days 0 days
Waiting Period for Illnesses: 14 days 14 days
Waiting Period for Orthopedic Coverage: 14 days 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: Excluded Optional
Vet Restrictions: None None

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Petco vs. Embrace Pet Insurance

Petco is a nationally recognized pet brand 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 an optional wellness and routine care product.

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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 it.

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.