Trupanion vs Embrace

Embrace vs. Trupanion

Every year, thousands of pets are abandoned or euthanized because the owners are unable to pay vet bills on their pets. Having pet insurance is an affordable way to make sure funds are available in the unfortunate circumstances where a pet is in need of serious veterinary care. Pet insurance is also the most effective way pet owners can ensure they’re able to provide the best possible medical care if their pets are injured or ill. With so many pet insurance companies out there today, choosing a company can be quite daunting. This article compares Embrace and Trupanion, two popular pet insurance companies.

Coverage

When choosing between the various pet insurance companies, what the company covers is usually most important. Both Embrace and Trupanion cover the following services.

  • Illnesses
  • Injuries
  • Hereditary conditions
  • Congenital conditions
  • Diagnostic tests
  • Surgery
  • Hospitalization
  • Medications
  • Prosthetic devices
  • Veterinary supplements
  • Chronic conditions
  • Cancer treatments

Coverage Showdown

Trupanion pays for prescriptions, while Embrace offers prescription medication coverage at an additional cost.

Wellness checks and exam fees are covered by Embrace but not by Trupanion.

Embrace covers alternative therapies, while Trupanion offers it at an additional cost.

Neither company covers pre-existing conditions.

Embrace has a 14-day waiting period for illnesses, while Trupanion requires 30 days.

Embrace has a 12-month medical record requirement, while Trupanion requires 18 months.

Embrace offers reimbursement levels at 70%, 80% and 90%. Trupanion pays 90% of the covered claim. For each year your pet goes through without making a claim, Embrace will lower the deductible by $50. Embrace has an annual deductible, while Trupanion has a lifetime deductible that can be from $1 to $1,000.

Winner

Embrace – Embrace came out the winner in this category. While Trupanion’s lifetime deductible was very popular with customers, Embrace came out on top because they covered more things and had shorter waiting periods.

Sample Quotes/Cost

Insurance companies use several factors to determine what premium they should charge customers. Pet insurance for dogs is generally more expensive than for cats. The premiums you’ll be required to pay for pet insurance is based on these variables.

  • Breed of dog or cat
  • Size of dog or cat
  • Age of dog or cat
  • Deductible
  • Location

We’ve put together a few sample quotes on pet insurance for dogs and cats from both Embrace and Trupanion to help you compare based on certain variables.

First quote was for a 5-year old, female Collie dog. The Embrace comprehensive policy includes a $200 deductible, an 80% reimbursement rate and a $30,000 maximum payout amount. The monthly premium rate for this Embrace policy is $59.38. For the same dog, Trupanion offers their most popular policy with a $200 deductible, a 90% reimbursement rate and an unlimited payout amount. Their monthly premium for the same dog is $104.64.

Second quote was for a 2-year old, male, mixed-breed dog weighing 20 pounds. The Embrace comprehensive policy includes a $200 deductible, an 80% reimbursement rate and a $30,000 maximum payout amount. The monthly premium for this policy is $37.25. For the same dog, Trupanion offers their most popular policy with a $200 deductible, a 90% reimbursement rate and an unlimited payout amount. Their monthly premium for the same dog is $56.99.

Last, we did an Embrace quote for a female, mixed breed one-year-old cat. The policy offers a $250 deductible an 80% reimbursement rate and a $30,000 maximum payout amount. The monthly premium for the most popular Embrace policy is $16.42. The premium for Trupanion’s most popular cat policy was $27.74 for $200 deductible, a 90% reimbursement rate and an unlimited maximum payout amount.

Winner

Embrace – When comparing the cost for the two companies, Embrace came out the winner. What customers did like about Trupanion was the higher reimbursement rate and not having to pay a deductible every year. However, they still preferred Embrace because the monthly premiums were so much lower, and Trupanion’s premiums increase every year.

Claims

How good a company handles claims is extremely important to most customers. Failure to pay claims in a timely fashion can result in the pet not receiving timely care and problems between the veterinarian and the pet owner. Although Embrace does pay wellness claims quickly, other claims can generally take up to 10 business days. They do quicker if the pew owner signs up for direct deposit. The Trupanion pet owner can email or submit the claim online. If the veterinary clinic partners with Trupanion, they’ll submit the claim. Trupanion pays most of their claims within 24 hours.

Winner

Trupanion came out the winner with their fast claim service.

Customer Satisfaction

Embrace and Trupanion both have very good customer service, and pet owners felt that both companies offer personalized service and really took an interest in the pet’s well-being. Embrace can be more difficult to reach because of limited telephone hours. Customers seemed to prefer Trupanion for their faster service.

Winner

Trupanion – Trupanion came out the winter in this category. However, it should be noted that both companies have good reputations for their excellent customer service. They found that the customer service representatives for both companies were sympathetic towards the pets problems and eager to be as helpful as possible with the pet owner.

Overall Winner

Embrace was chosen as the overall winner. It can’t be emphasized enough the importance of reading the fine print prior to choosing any pet insurance company. Often, the disappointment a customer expresses about a company or the company’s customer service isn’t the result of the company’s negative qualities but rather the customer’s lack of understanding of the policy exclusion and limitations.

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