Compare Embrace to Fetch

Embrace Pet Insurance has been protecting pets for close to 20 years, and our experience shows. Fetch Pet Insurance has extended claims processing times, a longer waiting period for accidents, and most importantly, no 24/7 pet health line, and multi-pet discount. These are advantages offered by Embrace, an experienced insurance provider.

Have more questions? Our Pet Insurance Advisors are here to help. Give us a call at (800) 779-1539 and we’ll walk you through it.


Select the pet insurance providers below to see how Embrace compares to other plans.

Plan featuresFetch
No Annual Dental Exam RequiredCheck IconX Icon
Initial Vet Visit RequirementWithin 12 Months Prior to EnrollmentWithin 6 Months Prior to Enrollment
24/7 pet telehealthCheck IconX Icon
Multiple Pet DiscountCheck IconX Icon
Reimbursement MethodDeductible then CopayCopay then Deductible
No Itemized Limit on Behavioral CoverageCheck IconX Icon
No Claim Form Required When Submitting Through Online AccountCheck IconX Icon
Grooming & RX Food Covered with Optional Wellness PlanCheck IconX Icon
Coverage for Racing & Guarding ActivitiesCheck IconX Icon

7 Reasons to Consider Embrace over Fetch Pet Insurance

woman embracing her puppy

1. Embrace Offers a 24/7 Pet Health Line. Fetch Does Not.

Embrace’s PawSupport pet health line gives you access to Pet Pros who can offer you around-the-clock decision support about your pet’s health. Access to PawSupport is included in every Embrace policy at no additional charge.

2. Fetch Pet Insurance Takes Longer to Process Claims than Embrace.

Claims submitted by Fetch policy owners are typically processed within 15 days, which can make budgeting difficult when unexpected expenses arise. Most of Embrace’s claims are processed within 10 days, with Wellness claims taking as little as five.

3. Fetch Doesn’t Cover Rx Food.

With Embrace’s Wellness Rewards preventative care plan – a non-insurance wellness plan that can be purchased in addition to your policy – your pet’s prescription diet food and nutritional supplements are covered.

4. Embrace Offers a Multi-Pet Discount. Fetch Does Not.

Embrace offers a 10% multiple pet discount for policies with two or more pets. If you love having more than one pet, you’ll love having more savings. And, the discount is added automatically, so there’s nothing extra you need to do.

5. Fetch Doesn’t Always Cover the Costs of Microchipping.

As part of Embrace’s Wellness Rewards preventative care program, the cost for microchipping is reimbursable along with other important products, procedures, and treatments like wearable pet activity monitors, training, routine chiropractic care, massage therapy, toenail trimming, and teeth cleaning. Wellness Rewards is a non-insurance wellness plan that can be purchased in addition to your policy. Microchipping is only available in Fetch’s top two tiers of Wellness Plans.

6. Embrace Offers Superior Customer Service.

Since its founding in 2003, Embrace has insured over 500,000 pets and covers on average 92% of all claims submitted. Those impressive stats are driven by superior customer service, and has earned Embrace high scores on Google, TrustPilot, Consumer Affairs, and other notable review sites. Embrace was also named one of America’s Best Insurance Companies for 2022 by Forbes earning 4.5 out of 5 stars through Forbes.