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Pets Best vs. Embrace Pet Insurance

Pets Best and Embrace are two of the best pet insurance companies in America. Learn More

 Pets Best Insurance
 Embrace Pet Insurance
Average Price
 $18 - 33/mo.
$40 - 68/mo.
A.M. Best Rating NR A+
BBB Rating A+ A+
Customer Satisfaction 86% 92%
Total Reviews 2,994 reviews 8,525 reviews
Deductible $50 - 1,000
$100 - 1,000
Reimbursement 70, 80 or 90%
65 - 90%
Annual Limit $5k, $10k or Unlimited
$5,000 - 15,000
Company Profile Pets Best Overview Embrace Overview
Waiting Period for Accidents 3 days 2 days **
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 14 days *
6 mos.
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


  • Pet insurance does not cover pre-existing conditions
  • * 6 months for cruciate injuries
  • ** Most states have a 2-day waiting period, some are 14 days

Pets Best Enrollment Requirements

Must agree to application agreement prior to enrollment. This forces pet owners to acknowledge that pre-existing conditions are not covered . Agreement also states that Pets Best may request medical records at any time for enrollment, underwriting or claims purposes. Optional Pet Health Checklist form can be filled out to reduce waiting periods for Hereditary Conditions.

Embrace Enrollment Requirements

Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Original Start Date for your Pet(s) as shown on the Schedule Page(s) or within fourteen (14) days after the Original Start Date.


Pets Best and Embrace are very similar. Both companies offer major medical coverage and wellness care as well. They've both been around for a long time and have excellent reputations.

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