Embrace vs. Trupanion Pet Insurance (2023)

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Are you thinking about buying pet health insurance for your furry family member? If so, you have many excellent options to choose from. Among the best pet insurance companies on the market, there are countless policy options for pets of all breeds, ages, and medical needs.

We’ve compiled a review of two top providers – Embrace and Trupanion – to help you learn more about your options.

In this Embrace vs. Trupanion review, we’ll discuss:

  • Main coverage differences
  • Plan costs and customization options
  • Coverage features and exclusions
  • FAQs

Embrace

Trupanion

Pros:

  • Diminishing deductible system
  • Packages for wellness coverage
  • 10% multi-pet discount
  • Flexible pre-existing condition policy

Cons:

  • $30,000 annual coverage cap
  • Wellness plans save you only $25 per year

Pros:

  • Exclusive Vet Direct Pay feature
  • Physical therapy add-on package
  • Zero dollar deductible option
  • No payout caps or limits

Cons: 

  • $35 new member enrollment fee
  • No routine care package

Best Overall

spot pet insurance logo

OUR RATING: 4.9/5

         ✔️ No Upper age limits

         ✔️ 30-day money-back guarantee

         ✔️ Offers comprehensive wellness plans

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8/5

         ✔️  Completely online experience

         ✔️  8-hour wait period for accidents

         ✔️  5% discount for multiple pets

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.7/5

          ✔️  Fast claims process

          ✔️  30-day money-back guarantee

          ✔️  Unlimited annual and lifetime                                    coverage

 

Embrace vs. Trupanion: What Are the Main Coverage Differences?

Below, you’ll find information on plan features, average monthly premiums, coverage options, and discounts. Each provider offers different coverage rates and prices, so you can compare the two and decide which option would work best for your budget and pet’s healthcare needs.

Remember that your specific monthly cost will depend on the coverage and add-on packages you select. So, your prices may vary from the ones listed below.

Plan Features

Embrace

Trupanion

Our rating

4.7/5

4.4/5

Average monthly cost

$30-$40 for dogs

$15-$20 for cats

$50-70 for dogs

$25-$40 for cats

Annual limit

$5,000-$30,000

Always unlimited

Deductible

$200-$1,000

$0-$1,000

Reimbursement

70-90%

90%

Preventative/wellness option?

Yes

No

Pre-existing condition coverage?

No*

No

Multi-pet discount?

10%

No

*Embrace will reevaluate coverage for curable pre-existing conditions that have had no symptoms or treatment for at least 12 consecutive months before your policy starts.

Embrace Coverage Overview

You can mix and match various rate options when personalizing your Embrace policy.

Annual payout limits $5,000, $8,000, $10,000, $15,000, $30,000.

Embrace offers a solid range of annual benefit limits. The $5,000 option is a good choice for pet parents seeking coverage of one major vet bill per year. Monthly premiums will be lower with this rate, but coverage will max out quicker.

Embrace doesn’t offer an unlimited payout option, so coverage will max out at $30,000 if you select the highest limit available.

Annual deductibles $200, $300, $500, $750, $1,000.

No matter which annual deductible you select, you’ll automatically enroll in Embrace’s Healthy Pet Deductible program. This exclusive offer reduces your deductible by $50 for every policy period you go without submitting a claim.

Reimbursement levels 70%, 80%, 90%.

Your reimbursement percentage is the portion of every vet bill Embrace will pay you. With a higher reimbursement rate, you’ll pay a higher monthly premium but get more money back on every bill.

What Does Embrace Cover?

Embrace’s accident/illness coverage includes the following items:

  • Unexpected injuries and illnesses
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Specialist care
  • Physical therapy
  • Emergency care
  • Hospitalization
  • Surgery
  • Orthopedic conditions
  • Holistic and alternative therapy
  • Prescription medications
  • Behavioral therapy 
  • Up to $1,000 for dental illness 

You can select one of Embrace’s Wellness Rewards packages for coverage of:

What Does Embrace Not Cover?

  • Pre-existing conditions
  • Non-diagnostic DNA testing
  • Breeding costs
  • Elective procedures
  • Birds and exotic animals

Like all pet insurance providers, Embrace enforces waiting periods to ensure your pet doesn’t have pre-existing conditions before coverage begins.

Here are Embrace’s waiting periods:

  • Two days for injuries
  • 14 days for illnesses
  • Six months for orthopedic conditions

How Much Does Embrace Cost?

On average, Embrace costs $30-$40 per month for dogs and $15-$20 per month for cats.

Your monthly premium depends heavily on your pet’s age, species, breed, location, and level of coverage.

You can select middle-tier coverage rates for a more affordable monthly premium. For example, a plan for a 2-year-old Labrador Retriever with the highest coverage possible costs $100 per month. That same plan with middle-tier coverage costs $55 per month. A plan with Embrace’s lowest coverage rates costs as low as $25 per month.

Discounts Available

In addition to its diminishing deductible system, Embrace offers several discounts to make your pet insurance plan more affordable:

  • 10% multi-pet discount
  • 5% military discount
  • 10% employee benefits discount

Sample Monthly Pricing

Here are some sample quotes for a 1-year-old pet in Kansas City, Missouri, with a $200 deductible, $30,000 annual payout limit, and 90% reimbursement rate. For this pet’s preventive care plan, we selected the $250 Wellness Rewards option for an extra cost of $18.75 per month.

Species/Breed

Sample Price for Medium Mixed Breed Dog

Sample Price for Golden Retriever Dog

Sample Price for Domestic Shorthair Cat

Sample Price for Domestic Mediumhair Cat

Accident and Illness Plan With Vet Fees and Physical Therapy Coverage

$67.09

$100.64

$33.55

$33.55

Accident and Illness Plan With Preventative Care

$85.84

$119.39

$52.30

$52.30

Why Choose Embrace?

Now that you’ve learned about Embrace’s coverage features, costs, and discounts, it’s time to look at some real customer reviews. We believe you should have the full picture before making any purchase, so we’ve included positive and negative reviews from Embrace policyholders.

“My cat went to the ER in respiratory distress. They kept him in the ICU for the night. As per my agreement with Embrace, they paid 70% of the bill, no questions asked. This was such a relief. They sent me a check in the mail and kept me updated on the Embrace app.” –Marilyn W., TrustPilot.

“Our dogs’ vet bills are paid promptly with no follow-up paperwork and no issues. We are so grateful. I don’t know what people who don’t have insurance on their pets do. Quality vet care is expensive, and our dogs deserve the best they can get. Could not be more satisfied with Embrace.” –Judith D., TrustPilot.

“Embrace recently doubled my monthly insurance payment. When I called the representative, she stated that it does not have anything to do specifically with my dog, but that they decided to raise all rates across New York State, and that I can expect my rates to double every year going forward.” –Chris, TrustPilot.

You can read more about the company in our Embrace pet insurance review.

Trupanion Coverage Overview

Trupanion’s Vet Direct Pay feature is a major plan highlight. Trupanion will pay your vet bill directly at checkout, as long as your veterinarian has the provider’s unique software. 

This system removes the hassle of filing claims and paying out of pocket for costly veterinary services.

Trupanion also provides a 90% reimbursement and unlimited payout on every plan. This is an excellent feature for pet parents seeking high pet insurance coverage. It might not be the best option for pet owners needing low-cost options or annual benefit customization.

Trupanion offers preset deductibles of $0, $200, and $500. If you’d prefer a different option, you can select any amount between $0-$1,000.

Trupanion’s coverage operates on a lifetime per-condition deductible system. This means once you reach a deductible for a certain item, you’ll never have to wait for coverage on that item again as long as you’re insured with Trupanion. You’ll only pay deductibles for your pet’s new conditions.

What Does Trupanion Cover?

  • Unexpected injuries and illnesses
  • Hereditary conditions
  • Diagnostic testing
  • Congenital conditions
  • Surgery
  • Hospital stays
  • Emergency veterinary care
  • Prescription medications
  • Veterinary supplements
  • Herbal therapy
  • Prosthetic devices and carts

Here are Trupanion’s add-on packages and what they cover:

Recovery and Complementary Care

Pet Owner Assistance

Breeding Rider

  • Acupuncture
  • Behavioral therapy
  • Chiropractic care
  • Homeopathy
  • Hydrotherapy
  • Naturotherapy
  • Physical therapy
  • Rehabilitation 
  • Third-party property damage
  • Lost pet advertising and reward
  • Boarding fees
  • Vacation cancellation costs
  • Cremation and burial fees
  • Illness and injuries related to breeding, whelping, and queening

What Does Trupanion Not Cover?

  • Pre-existing conditions
  • Spay/neuter procedures
  • Preventive care 
  • Birds and exotic pets
  • Dental illness
  • Exam fees and sales tax

Trupanion enforces the following waiting periods:

  • Five days for accidents
  • 30 days for illnesses and hip dysplasia 

How Much Does Trupanion Cost?

Trupanion costs $50-70 per month for dog insurance and $25-$40 per month for cat insurance.

Your rates will vary depending on your pet’s age, species, breed, and location. 

Your monthly premium also depends on the coverage level you select. For example, a high coverage plan for a 2-year-old Labrador Retriever costs around $130 per month, while a low coverage option costs $35 per month.

Discounts Available 

Trupanion will discount plans for assistance animals and therapy pets. The provider doesn’t list the discount percentage on its website, so you’ll have to inquire about the offer for your specific animal.

Sample Monthly Pricing

Take a look at some sample quotes for a 1-year-old pet in Kansas City, Missouri, with a $200 deductible.

Species/Breed

Sample Price for Medium Mixed Breed Dog

Sample Price for Golden Retriever (Dog)

Sample Price for Domestic Shorthair Cat

Sample Price for Domestic Mediumhair Cat

Accident and Illness Plan

$46.87

$62.67

$25.85

$25.85

Accident and Illness Plan With Physical Therapy Coverage

$52.33

$70.30

$28.44

$28.44

Why Choose Trupanion?

Trupanion shines and falls short in different ways – just like all other pet insurance companies. We’ve compiled reviews from actual Trupanion policyholders to highlight the positive and negative aspects of the provider.

“Trupanion has been an incredible partner and lifesaving resource for my dog. We have utilized our plan more than we could have envisioned, and they have always followed through with integrity, clear replies to questions, and timely reimbursements for covered costs. I would never go without pet insurance again and can’t imagine a better experience than I’ve had with Trupanion.” –Jonathan, TrustPilot.

“After looking at many pet insurance policies, I decided to go with Trupanion and am so glad I did. Excellent and knowledgeable service reps. I submitted my first claim form, which was not complicated. Receive almost immediate acknowledgment of receipt.” –Joan S., TrustPilot.

“Basically, they can tie any claim to a possible pre-existing condition and determine on an individual case basis whether or not to cover the claim. When I spoke with the sales agent, it was clear that getting them to pay any claim will be an issue.” –Krista A., TrustPilot.

If you still have questions, you can read our Trupanion pet insurance review for more information.

Final Thoughts

You should consider several crucial features when comparing Embrace vs. Trupanion.

Trupanion is the best choice for pet parents seeking higher payouts and unlimited annual benefits. On the other hand, Embrace is a better option for preventive care coverage and curable pre-existing conditions.

No matter which provider you choose, you’ll be one step closer to coverage for unexpected and costly vet bills. You’ll have peace of mind knowing you can afford the care your pet deserves without breaking the bank.

Check out our in-depth provider reviews for info on other top options in the pet insurance industry.

Frequently Asked Questions

Does Trupanion cover vet visits?

Trupanion doesn’t cover the exam fees associated with your pet’s vet visit.

Does Embrace cover vet visits?

Embrace covers the exam fees associated with your pet’s vet visit. 

Does Trupanion pet insurance have a limit? 

Trupanion doesn’t have annual payout limits, which means you’ll never run out of coverage no matter how many claims you submit.

However, Trupanion enforces an upper age limit and won’t cover pets 14 years old and up.

Does Embrace pet insurance have a limit?

Embrace has a maximum coverage limit of $30,000 per year. If you select this option, your annual payout from Embrace won’t exceed this amount.

Embrace doesn’t enforce an upper age limit but only offers accident coverage to pets 14 years old and up.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.