How to Compare & Find the best Pet Insurance

Support your pet with insurance covering eligible, curable pre-existing conditions

Find the Best Pet Insurance to Protect Your Furry Friend

Before choosing a policy, confirm that it includes all the potential treatments your pet might need, including , dental health and optional coverage for routine care. Pay close attention to curable vs. incurable pre-existing conditions.

Compare Pet Insurance Features Before You Buy

Embrace covered 93% of submitted claims in 2022. That's because of our commitment to offer personalized policies that provide the broadest range of coverage and policy perks. Compare companies to confirm you won't have gaps in coverage and ensure your insurance is there when you need it most.

Flexible Wellness Plans

Our optional routine and preventative care plan reimburses you for those everyday veterinary, training, and grooming costs.

Dental Illness Coverage

Our policy limit will cover any dental accidents, while dental illnesses are covered up to $1,000 per policy year.

Coverage for Exam Fees

While many pet insurance companies exclude vet exam fees, Embrace reimburses them, saving you up to $100 to $200 per visit.

Extra Office Visits for Senior Pets

Unlike some companies, we still offer accident-only coverage for pets 15 years or older.

Genetic, Hereditary Conditions Covered

Coverage for hereditary conditions, genetic conditions, and breed-specific conditions, all without any additional costs.

Choose Your Vet

Embrace has no networks. You customize your policy, and you choose your vet. Visit any doctor or emergency practice in the country.

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What is the Best Pet Insurance?

To find the best fit for you and your furry friend, it's important to compare companies based on three key factors: types of coverage, quality of coverage, and coverage customization. Look for a provider that offers comprehensive policies, including coverage for accidents, illness, treatments, dental care, vet visit fees, follow-up care, complementary treatments, and fast reimbursements. Embrace has a reputation for trust, commitment, and compassion, offering high-quality coverage, customizable plans, and a range of discounts and incentives.

Compare Pet Insurance by Embrace with the Rest

Compare companies and find the best pest insurance for your budget and pet care needs. Even seemingly minor differences between companies can have an impact on your overall satisfaction and peace of mind. Take the time to compare to help narrow down your top choices and make an informed decision.

side-by-side comparisons


  • Offers more deductible options that work with your budget, we offer options up to $1,000.
  • Embrace only needs the last 12 months of records to process claims.


  • Only offers $100, $250 and $500 deductible options which can be limiting when it comes to finding an affordable plan.
  • Requires a pet's full medical records to process claims - that could go back many years!
See Full ASPCA Comparison

Rated 5-star pet insurance by Forbes

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Why People Think Embrace is the Best Pet Insurance

We understand the emotional connection pet owners have with their dogs and cats. Our team of real pet parents is here when you need us the most. But don't just take our word for it. Customers trust Embrace to be there when they need us the most.

We covered


of claims last year

Top-rated at:

Pet Insurance Comparison FAQ

What is the best pet insurance?

Choosing the best pet insurance depends on your budget and personal preferences. At Embrace Pet Insurance, we offer customizable plans that fit your needs. We offer coverage for accidents, illnesses, breed-specific and congenital conditions, alternative therapies, and dental illnesses. Embrace customers can take advantage of our optional Wellness Rewards program, which provides reimbursements for routine care expenses like dental cleanings, vaccinations, and more. Our focus on tailored coverage, exceptional customer service, and speedy reimbursement processing makes us a top choice for pet insurance.

What is the best dog insurance?

When looking for dog insurance, you want to find a plan that offers coverage that's there when you need it, while still being affordable. Embrace's insurance for dogs provides comprehensive protection that can cover a range of situations, from accidents to illnesses to dental issues. You can customize your plan to fit your dog's needs and choose your deductible and reimbursement rate to ensure the plan is affordable. Our optional Wellness Rewards program even reimburses for routine preventive care, so you can be sure your furry friend is always healthy.

What is the best level of pet insurance?

That depends on the pet (and more specifically, their pet parent). If you're worried about accidents or illnesses, comprehensive coverage might suit you well. If you're only concerned about the unexpected, the accident-only coverage might be right for you. If you want coverage for everyday expenses like vaccinations, routine vet visits and training, the supplemental Wellness Rewards program has those covered. It's important to find a company that allows you to customize your policies and programs.

Is it better to have pet insurance or not?

Emergencies and illnesses are increasingly expensive. Considering that 56% of Americans have less than $1000 in their savings account, and every 6 seconds, a pet parent is handed an emergency vet bill of $1000 or more, pet insurance is great way to hedge those risks. Embrace's policies can ensure you're prepared for the unexpected.

What are the disadvantages of pet insurance?

Some plans only cover accidents, so you would not be protected if your pet gets sick. However, some insurance carriers offer comprehensive packages that cover everything from routine check-ups to behavioral treatment. Keep in mind that pre-existing conditions are often excluded, meaning you won't be reimbursed for any medical treatment related to health issues that were present before you started your pet's policy. Also, some carriers exclude certain medical conditions that may arise later, such as hip dysplasia in large dogs. Embrace doesn't.

How do I choose the best pet insurance?

When choosing a provider, you should find a company suited to your pet's needs. Things to consider include coverage options, exclusions or limitations, cost, flexibility, speed of reimbursement and customer service.

What are the three types of pet insurance?

Pet insurance comes in three main types, including comprehensive coverage for accidents and illnesses, accident-only coverage, and basic wellness care, which isn't insurance, but a budgeting tool.

Are vet exam fees covered?

Like human doctors, walking into the vet's office can cost a considerable amount of money, ranging from $100 to $200. However, Embrace pet insurance is different. They cover the vet's exam fee, also known as the office visit fee, in your reimbursement. Some other pet insurance companies do not cover this fee, which is like paying an extra deductible for every claim you file. Embrace believes you should be reimbursed for every aspect of your visit, not just a portion.

How much coverage do I need?

Only you can decide how much coverage you need. We typically recommend getting the highest coverage you can comfortably afford.

Ready to protect your furry friend?

Call (800) 799-1539