Trupanion Pet Insurance vs. Embrace
Trupanion and Embrace Pet Insurance are two great options when considering pet insurance for your dog or cat. Trupanion offers one, simple plan that covers accidents and illnesses. Embrace on the other hand offers the most customization available in the market with accident-only, accident & illness, and an optional wellness care product.
In either case both companies offer excellent coverage and customer service so we encourage you to compare quotes so you can get the best policy at the best price.
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| Price: | Get a Quote | Get a Quote |
|---|---|---|
| Overall Rating: | ||
| Total Reviews: | 7,943 | 10,400 |
| Deductible: | $0 - $1,000 | $100 - $1,000 |
| Reimbursement: | 90% | 70%, 80%, or 90% |
| Annual Limit: | Unlimited | $5,000 - Unlimited |
| Company Profile: | Company Overview | Company Overview |
| Waiting Period for Accidents: | 5 days | 0 days |
| Waiting Period for Illnesses: | 30 days | 14 days |
| Waiting Period for Orthopedic Coverage: | 30 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 |
Trupanion vs. Embrace Pet Insurance
Both Embrace and Trupanion pet insurance are excellent options with high ratings in the pet insurance industry. While both offer excellent coverage, there are some major differences between the two – Embrace offers a range of customizable coverage options, while Trupanion offers one simple plan that covers everything.
Trupanion Pet Insurance
Trupanion was founded by pet lovers in 2000 and is still run by pet lovers to this day. In addition to their comprehensive coverage, Trupanion also offers vet direct pay, do not cap coverage with a payment of 90% of your claims, and provides 24/7 customer care.
- View the Trupanion general overview
- Deductible: $0 – $1,000
- Reimbursement: 90%
- Emergency Care: Included
- Waiting period for accidents: 5 days
- Waiting period for illnesses: 30 days
Embrace Pet Insurance
With the ability to customize your pet insurance coverage to meet the needs of your pet and your budget, Embrace is a popular choice for many pet owners. In addition to choosing the plan coverage you need, Embrace also offers an optional wellness rewards product for reimbursement on routine care.
- View the Embrace general overview
- Deductible: $200 – $1,000
- Reimbursement: 70%–90%
- Emergency Care: Included
- Waiting period for accidents: 2 days
- Waiting period for illnesses: 14 days
Coverage Comparison
Both Embrace pet insurance and Trupanion offer comprehensive accident and illness coverage with their plans. However, Embrace offers an optional wellness product as an option, while Trupanion does not.
Price Comparison
Trupanion and Embrace pet insurance are both excellent choices for reliable, comprehensive coverage options. If you want the ability to customize your plan, Embrace will serve you better, but Trupanion offers 90% reimbursement, making it a very popular choice as well for pet owners whose pets need coverage often.
Compare Trupanion
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Compare Embrace
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Trupanion Pet Insurance Enrollment Requirements
Trupanion Enrollment Requirements
You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.
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.
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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.