Compare Trupanion Pet Insurance vs Embrace Pet Insurance Plans

Trupanion Pet Insurance and Embrace Pet Insurance are two of the best pet insurance companies in America.

Trupanion Pet Insurance Embrace Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 12,790 10,367
Deductible: $0 - $1,000 $100 - $1,000
Reimbursement: 90% 65 - 90%
Annual Limit: Unlimited $5,000 - $15,000
Company Profile: Company Overview Company 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 months**
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
Routine Dental: Excluded Included
Wellness Coverage: Included Included
Vet Restrictions: None None

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

  • Maximum age for enrollment in full accident & illness coverage is 14 years
  • Pets older than 15 are eligible for an accident-only policy
  • Minimum age for enrollment is six weeks
  • Pets must have been examined by a licensed veterinarian in the 12 months prior to the policy start date. If there is no noted exam prior to 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 day

Other Provisions

  • There is a defined appeal process for claims
  • Reimbursement method: Direct deposit or check
  • Prescription medications: Included with all accident and illness policies
  • There is a 14-day waiting period for illnesses
  • * There is a 2-day waiting period for accidents in most states
  • ** There is a 6-month waiting period for orthopedic conditions for dogs only. This can be reduced by following Embrace‚Äôs Orthopedic Exam and Waiver Process

Summary

Two great options.

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