Key Differences
Embrace offers an optional preventative care add-on.
Trupanion’s reimbursement rate and annual limit are fixed, and Embrace‘s are configurable.
Embrace has shorter accident and illness waiting periods than Trupanion.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Embrace and Trupanion offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
56,063 |
9,507 |
Deductible: |
$100 to $1,000 |
$0 to $1000 |
Reimbursement: |
70%, 80%, or 90% |
90% |
Annual Limit: |
$2,000 to Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
5 days |
Illness Waiting Period: |
14 days |
30 days |
Wellness Waiting Period: |
0 days |
N/A |
Orthopedic Waiting Period: |
Varies by state |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Included |
Included |
Exam Fee Coverage: |
Available |
No |
Direct Vet Pay: |
Available |
Yes |
Claims Expiration: |
Within 60 days of renewal to the next term |
Within 90 days of treatment |
Claims Submission App: |
Yes |
No |
Embrace Accident and Illness Coverage
Embrace offers accident and illness coverage for dogs and cats. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, $500, $750, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,000, $5,000, $10,000, $15,000, $30,000 or Unlimited Annual Limit
What's Covered
Accidents
Breed-specific conditions
Congenital conditions
Chronic conditions
Dental illnesses
Diagnostics
Emergency care
Genetic conditions
Hospitalization
Illnesses
Orthopedic conditions
Prescription medication
Specialist care
Surgery
X-rays
Optional Wellness Rewards
Embrace also offers a non-insurance, optional add-on benefit called Wellness Rewards. Pet parents are reimbursed 100% up to the selected annual allowance. There are three annual allowances: $300, $500, and $700. You can use this wellness allowance for any of the eligible items, including:
Routine exams and vaccinations
Flea, tick, and heartworm medications
Preventative surgery such as spaying, neutering, and gastropexy
Prescription diet food
Grooming and training
Trupanion Accident and Illness Coverage
Trupanion offers an accident and illness plan. While the annual limit and reimbursement rate are fixed, your deductible is configurable. Trupanion does not offer an optional wellness coverage add-on to supplement its pet insurance plan.
Deductible Options
$0 to $1000
Reimbursement Options
90%
Annual Limit Options
Unlimited
What's Covered
Accidents
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Illnesses
Prescription Medications
Prosthetic Devices and Wheelchairs
Surgery
Optional Coverage Add-Ons
Trupanion offers additional coverage you can choose to opt-in for added coverage to your base pet insurance plan.
Recovery And Complementary Care Optional Add-On
If you would like to add more support for covering non-clinical procedures, select this add-on.
Acupuncture
Behavioral modification
Chiropractic
Homeopathy
Hydrotherapy
Naturopathy
Physical therapy
Rehabilitative therapy
Pet Owner Assistance Optional Add-On
If you would like to add more support for covering services and unexpected events outside of the veterinary office, select this add-on.
Advertising and reward
Boarding fees in the event you are hospitalized
Liability coverage for third-party property damage
Cremation or burial for deaths due to accident
Holiday vacation cancellation costs
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Embrace and Trupanion.
Embrace Claims Details
You can use Embrace’s website or app to submit your claims directly. Alternatively, you can also fax, mail, or email your claim form with the invoice(s) within 60 days of renewal to the next term.
Direct deposit option for receiving reimbursements
Trackable claim status using the app
Claims are processed in 10-15 business days
View an Embrace Pet Insurance sample policy.
Trupanion Claims Details
Trupanion offers Vet Direct Pay which means they can pay vet bills at checkout wherever it is accepted instead of you having to file a claim. In the case that you do have to file a traditional claim, you can submit them via fax, mail, or email with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission online
Offers direct vet pay at checkout
Our Embrace vs. Trupanion Review
Embrace and Trupanion offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Embrace offers an optional wellness coverage add-on, but Trupanion does not. You can configure the deductible of Trupanion’s plan, but the maximum annual limit and reimbursement rate are fixed. Embrace offers multiple reimbursement, deductible, and annual limit options to choose from to customize your coverage and price. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
