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Trupanion vs. Embrace Pet Insurance


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

 
 Trupanion Pet Insurance
 Embrace Pet Insurance
Average Price
$37 - 57/mo.
$40 - 68/mo.
A.M. Best Rating NR A+
BBB Rating A+ A+
Customer Satisfaction 87% 92%
Total Reviews 9,662 reviews 8,525 reviews
Deductible $0 - 1,000 $100 - 1,000
Reimbursement 90% 65 - 90%
Annual Limit Unlimited $5k - 15k
Company Profile Trupanion Overview Embrace Overview
Waiting Period for Accidents 5 days 2 days*
Waiting Period for Illnesses 30 days 14 days
Waiting Period for Orthopedic Coverage 30 days
6 mos.
Emergency Care
Accidents
Illnesses
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds For additional cost
Dental - Accidents
Cancer Coverage
Wellness Coverage
X Optional
Vet Restrictions None None

Note: Pet insurance does not cover pre-existing conditions

*Most states have a 2-day waiting period, some are 14 days


Summary

Trupanion and Embrace are very different companies, but both offer excellent coverage and service. Trupanion offers one of the best major medical plans in the market. It is simple, streamlined and straightforward.

Embrace on the other hand offers the ability to 100% customize your own plan from soup to nuts. If you're looking for excellent, no-nonsense major medical coverage, Trupanion is a great option for you.

If you're looking for a plan you can tweak to meet your exact needs, then Embrace is a better choice.


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