Trupanion vs Embrace Pet Insurance

Trupanion vs Embrace Pet Insurance

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Pet Insurance companies make sure that your cuddly friends stay safe and secure in dire times.

So, choosing the wrong insurance agency for your pet can be detrimental to their future path. The best insurance companies guarantee your furry friend’s well-being and longevity.

Embrace pet insurance

Embrace Pet insurance offers a health care policy for your pet. 

trupanion logo

Trupanion has a straightforward plan


To help you pick the best, we will take a look at two giants on the market – Trupanion vs Embrace.

We’re going to narrow down all the key features and similarities between Trupanion and Embrace. We won’t shy away from mentioning all of their cons as well, so read on to make an informed decision for your beloved pet’s future!

Trupanion vs. Embrace Pet Insurance: At a Glance

To make an unbiased Trupanion vs Embrace comparison, we first need to evaluate what they represent and what they offer. Trupanion claims they offer the best insurance plans, whereas the newer Embrace begs to differ. 

Both of these insurance companies promise you maximum safety for your pet but differ in plans.

About Trupanion

Trupanion Dog Insurance has been taking care of pets since 1999. It’s based in Washington, United States, and has spread to Canada and Puerto Rico over the years. The Trupanion coverage was one of the first to be licensed as a pet insurance company in North America. 

About Embrace

Embrace Pet Insurance wellness appeared a little later in 2003. It started as an idea of a pet insurance company until they entered the Wharton Business Competition. Once crowned winners, the company blossomed to help thousands of pets in the following years. 

When you compare Trupanion vs Embrace, you’ll discover that Trupanion Insurance offers a more simplified plan, whereas Embrace allows the best customization during accidents. Whatever plan you decide to go for, make sure to put some thought behind it and come up with the best decision for your dog or cat. 

Eye to eye, one company offers a simple plan to cover accidents, while the other allows customization. Trupanion gives the owner more reimbursement, whereas Embrace provides a shorter waiting period.

Embrace Pet Insurance Overview

Trupanion vs. Embrace Pet Insurance: How Do They Work?





$0 – $1,000

$200 – $1,000



70% – 90%

Annual limit


$5,000 – $30,000

Waiting period for accidents & illnesses

5 days for accidents, 30 days for illnesses

2 days for accidents, 14 days for illnesses

Waiting period for orthopedic coverage

30 days

6 months

Whether you go for Trupanion Dog Insurance or Embrace Pet Insurance plans, it must be the right decision reflecting your pet’s condition. Each company has splendid ratings among the pet insurance industry, and that’s concluded with their amazing and thorough coverage.

By subscribing to Trupanion, you and your pet will receive direct veterinary pay. This is best for emergencies and sudden inconveniences. With Trupanion, you’ll have 90% of your payment covered by the agency, and they boast 24/7 customer service. This means that even in the most painful of moments – the agency is there to take care of your loving pet!

With Embrace Insurance, pet owners get to customize their pet insurance according to their needs. It’s also a more paw-fordable option, making it a quite popular choice. Embrace also allows more deductions, as well as rewards for routine check-ups. The Embrace Pet insurance policy also guarantees coverage for additional examination fees.

Trupanion vs. Embrace Pet Insurance: Key Features 

The list below will outline the key features that distinguish Trupanion and Embrace, so you and your pet will know what you’re getting yourself into. 

The following is a clear comparison of deductions, reimbursement, emergency care, and waiting period. 

Trupanion Pet Insurance

Embrace Pet Insurance

Reimbursement: 90%

Reimbursement: 70% – 90%

Deduction: $0 – $1,000

Deduction: $200 – $1,000

Emergency Care: Included

Emergency care: Included

Waiting period: 5 days to 30 days

Waiting Period: 2 days to 14 days

When we compare the table above, we can notice that the Trupanion waiting period is longer than Embrace. On the other hand, the Embrace Pet Insurance reimbursement is much more all-inclusive.

Both of them have an emergency plan included, so accidents and dangerous events shouldn’t worry you. The best pet insurance company will gladly take the best care of your pets!

Trupanion Pet Insurance

Trupanion vs. Embrace Coverage

Trupanion and Embrace share common ground in their accident-and-illness plans, encompassing standard veterinary treatments that include:

  • Diagnostic testing, encompassing MRIs and X-rays
  • Emergency care
  • Hospitalization
  • Prescription medications
  • Specialist care
  • Surgeries
Both providers extend their coverage to various prevalent conditions, such as:
  • Allergies
  • Broken bones
  • Cancer
  • Chronic conditions
  • Congenital conditions
  • Hereditary conditions
Their accident-and-illness plans also feature comparable exclusions, involving:
  • Breeding, whelping, pregnancy
  • Cosmetic procedures unless medically necessary
  • DNA testing or cloning
  • Injury or illness resulting from neglect attributed to you or a household member
  • Preexisting conditions
  • Routine veterinary care
Distinguishing Embrace from Trupanion, Embrace’s standard accident-and-illness plan encompasses alternative and behavioral therapies, as well as exam fees. Furthermore, Embrace provides the option of a wellness plan that can be added to the standard plan for an extra monthly fee. This wellness plan covers routine preventive veterinary care, including annual wellness checkups, grooming, and vaccinations.
In contrast, Trupanion does not offer a wellness plan but provides two add-on options for additional coverage in conjunction with the accident-and-illness plan:
Pet Owner Assistance Package: This add-on covers advertising and reward expenses for lost pets, pet boarding fees in case of hospitalization, liability costs for third-party property damage, cremation or burial expenses for accidental pet deaths, and vacation cancellation expenses due to a pet’s necessary medical requirements.
Recovery and Complementary Care Rider: This add-on extends coverage to acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, and more.

Trupanion vs. Embrace Pet Insurance: Pros and Cons

Now that we’re aware of the key differences between Trupanion and Embrace – it’s time to make an honest pros and cons list that will make your decision even easier. 

One crucial difference that pet-owners commonly consider is the premiums. Embrace Pet Insurance policy involves a premium that increases once your furry friend turns 5. Trupanion, on the other hand, doesn’t increase the premium due to the pet’s age. 

The following are some extra factors that can aid you in making a reasonable decision.

Trupanion Pet Insurance:


  • Has more reviews (over 3.000)
  • Smaller deductions
  • Unlimited annual limit
  • Has a shorter waiting period for orthopedic-issue coverage


  • Does not include wellness coverage
  • Has a longer waiting period

Embrace Pet Insurance


  • Allows more reimbursement 
  • Offers optional wellness coverage
  • Shorter waiting period


  • It has an annual limit
  • The waiting period for orthopedic coverage takes longer

Both of these pet insurance companies vary in benefits. Where one lacks the other contributes, but both try their best to keep your pet well. With emergency and accidental plans covered – you and your pet will be safe whatever your choice is.

Trupanion vs. Embrace Pet Insurance: Pricing

Both Trupanion and Embrace guarantee your pet’s safety in difficult moments but differ in required budgets.

Trupanion Pet Insurance’s lowest monthly premium is $36.00 for cats and 46.26 for doggos.

Embrace allows you to customize your own plan, and according to that, you’ll get a monthly fee. Trupanion has a 90% reimbursement, making it a wise choice for those with pets that get sick quite often.

If you are not satisfied with their service, Trupanion claims they receive complaints. The Embrace Pet Insurance complaints are usually about the annual limit and increased waiting period for orthopedic coverage. Those who are not satisfied with the service can always turn to the Embrace Pet Insurance cancel policy.

All in all, the average cost of pet insurance will range from $240 to $720 a year. The money might be steep, but with it – your pet’s health will be restored.

With as little as $20 a month, you can achieve a lifelong experience with your beloved furry friend!

Trupanion vs. Embrace Claim Filing

Both Trupanion and Embrace offer convenient claim filing options through their online customer portals and mobile apps. Embrace typically processes and reimburses claims within 15 days, although often in less time.

In contrast, Trupanion stands out with its speedy claim processing, reimbursing approximately 60% of claims within just 24 hours. Notably, Trupanion provides a unique advantage by allowing customers to bypass the claims process entirely and pay their vet directly at the time of checkout, a feature exclusive to Trupanion.


Whether you choose Embrace or Trupanion, it should be a policy that will have your pet’s best interest at heart. Costs of emergencies, illnesses, or injuries are the last things owners think about when their pets are experiencing trouble. The best pet insurance should always be reliable for the pet and beneficial to the owner and their wallet. 

If you want more freedom to customize your plan how you see them fit, you should go for Embrace. However, if you’re looking for all-around coverage – choose Trupanion. 

Nonetheless, both providers are industry leaders, and you won’t go wrong by choosing either one.

Compare Trupanion with Other Pet Insurance

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