Updated: March 16, 2026
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Cats cost less to insure through Fetch at $45 monthly, while dog owners save more with Embrace at $77 monthly. Fetch also gives policyholders three discount options versus Embrace's two.
Embrace beats Fetch on customer experience, ranking sixth nationally for both cats and dogs. Its higher BBB rating and stronger Reddit sentiment push it ahead.
Fetch covers more ground on the coverage side, with no upper age limit for enrollment. Embrace cuts older pets off from full plans, restricting them to accident-only coverage.
MoneyGeek's data gives Fetch the overall edge for both dogs and cats in pet insurance, but the better plan for you hinges on your priorities.
Cat owners watching their budget get more value with Fetch, which also outperforms Embrace on coverage for both pets. Dog owners who want lower rates or better service will find Embrace the stronger fit.
| Cat | Affordability | Fetch | 12 | 14 |
| Dog | Affordability | Embrace | 12 | 13 |
| Cat | Coverage | Fetch | 3 | 10 |
| Dog | Coverage | Fetch | 3 | 10 |
| Cat | Customer Experience | Embrace | 6 | 6 |
| Dog | Customer Experience | Embrace | 6 | 6 |
| Cat | Overall Score | Fetch | 10 | 14 |
| Dog | Overall Score | Fetch | 11 | 13 |
How We Decided the Winning Pet Insurance Provider
Scores reflect averaged data for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, using a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
See how the best pet insurance plans compare based on your pet’s age, health and coverage needs:
Fetch wins against Embrace for the best pet insurance company in all 50 states for cats and 38 states for dogs. Embrace beats Fetch in Arizona, Arkansas, Florida, Idaho, Illinois, Nebraska, Nevada, New Jersey, New York, Pennsylvania, Tennessee and Texas for dog insurance.
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Embrace offers more affordable pet insurance than Fetch for five out of eight cost categories. Embrace wins for puppies, young dogs, middle-aged dogs, senior cats and senior dogs, with senior dog coverage offering the highest savings at 37%. Fetch leads for kittens, middle-aged cats and young cats, with kitten coverage having the largest savings at 33%.
Learn how much pet insurance costs across different age categories below.
| Kittens | Fetch | $14 | 33% |
| Young Cats | Fetch | $23 | 20% |
| Puppies | Embrace | $33 | 27% |
| Young Dogs | Embrace | $44 | 26% |
| Middle Aged Cats | Fetch | $45 | 2% |
| Middle Aged Dogs | Embrace | $77 | 26% |
| Senior Cats | Embrace | $98 | 28% |
| Senior Dogs | Embrace | $192 | 37% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Our cheapest pet insurance study between Embrace and Fetch found that rates vary by state and your pet's age. Here's how the two providers stack up across the country for different life stages.
| Alabama | Embrace | $57 | 26% |
| Alaska | Embrace | $75 | 26% |
| Arizona | Embrace | $93 | 26% |
| Arkansas | Embrace | $51 | 26% |
| California | Embrace | $97 | 26% |
| Colorado | Embrace | $97 | 26% |
| Connecticut | Embrace | $88 | 26% |
| Delaware | Embrace | $77 | 26% |
| Florida | Embrace | $87 | 26% |
| Georgia | Embrace | $69 | 26% |
| Hawaii | Embrace | $78 | 26% |
| Idaho | Embrace | $77 | 26% |
| Illinois | Embrace | $95 | 26% |
| Indiana | Embrace | $69 | 26% |
| Iowa | Embrace | $65 | 26% |
| Kansas | Embrace | $70 | 26% |
| Kentucky | Embrace | $61 | 26% |
| Louisiana | Embrace | $62 | 26% |
| Maine | Embrace | $93 | 25% |
| Maryland | Embrace | $76 | 25% |
| Massachusetts | Embrace | $99 | 26% |
| Michigan | Embrace | $77 | 26% |
| Minnesota | Embrace | $80 | 26% |
| Mississippi | Embrace | $65 | 26% |
| Missouri | Embrace | $61 | 26% |
| Montana | Embrace | $64 | 26% |
| Nebraska | Embrace | $69 | 26% |
| Nevada | Embrace | $79 | 26% |
| New Hampshire | Embrace | $89 | 26% |
| New Jersey | Embrace | $87 | 26% |
| New Mexico | Embrace | $68 | 26% |
| New York | Embrace | $83 | 26% |
| North Carolina | Embrace | $69 | 26% |
| North Dakota | Embrace | $59 | 26% |
| Ohio | Embrace | $71 | 25% |
| Oklahoma | Embrace | $64 | 26% |
| Oregon | Embrace | $96 | 26% |
| Pennsylvania | Embrace | $80 | 25% |
| Rhode Island | Embrace | $67 | 26% |
| South Carolina | Embrace | $73 | 26% |
| South Dakota | Embrace | $68 | 26% |
| Tennessee | Embrace | $71 | 26% |
| Texas | Embrace | $81 | 26% |
| Utah | Embrace | $73 | 25% |
| Vermont | Embrace | $71 | 26% |
| Virginia | Embrace | $82 | 25% |
| Washington | Embrace | $89 | 26% |
| West Virginia | Embrace | $66 | 26% |
| Wisconsin | Embrace | $82 | 26% |
| Wyoming | Embrace | $71 | 26% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Fetch offers three pet insurance discounts, while Embrace provides two. While both companies offer military discounts, Fetch gives active service members and veterans a better deal at 10% compared to Embrace's 5%. That said, Embrace is your only option if you want to save by insuring multiple pets as it offers 10% off for two or more animals.
Multiple pets | Save 10% when you enroll two or more pets with Embrace. | None. |
Military | 5% off for active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard. | Active military members and veterans get 10% off when they enroll with proof of service. |
Association | None. | AARP members save 10% on pet insurance when enrolling through the AARP benefit page. |
Employer group plan | None. | 10% off for signing up with a participating employer's group plan. |
Embrace provides better customer experience than Fetch, ranking sixth nationally for both pets. Embrace maintains a higher rating from the Better Business Bureau than Fetch (A+ rating versus A rating) and higher positive sentiment across Reddit users. However, Fetch's 4.5 Trustpilot rating is slightly higher than Embrace's 4 rating.
Fetch earns a higher Trustpilot rating at 4.5 out of 5 compared to Embrace's 4 out of 5. Fetch draws praise for efficient claims and knowledgeable staff, though some reviewers mention denials tied to the 15-day illness waiting period. Embrace policyholders credit the company for fast claim processing, with reimbursements often arriving within days, but some report sharp premium increases at renewal.
Embrace's A+ BBB rating is higher than Fetch's A rating. BBB ratings measure how well companies handle customer complaints, maintain transparent business practices and uphold marketplace trust standards, with grades ranging from A+ (highest) to F (lowest). Both companies are BBB accredited, though Fetch's 198 filed complaints contributed to its slightly lower rating compared to Embrace.
Reddit users show stronger support for Embrace at 29% positive sentiment compared to Fetch's 8%. Embrace received six favorable comments out of 21, with users praising fast claim processing and responsive customer service, though premium increases frustrate many. Fetch earned just one positive comment out of 13, with users complaining about the 15-day accident waiting period and confusion over the six-month orthopedic exclusion that covers back pain, hips and knees.
Fetch has better pet insurance coverage for dogs and cats than Embrace, ranking third nationally while Embrace ranks 10th. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Fetch doesn't have upper age restrictions, while Embrace limits pets aged 15 years and above to accident-only coverage.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $250 to $2,500 | |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | $5,000, $10,000, $15,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
0 day for accidents, 14 days for illnesses, 6 months for orthopedic conditions | 15 days for accident and illness coverage, 6 months for orthopedic and cruciate conditions | |
Age restrictions | Pets 15 years old and above limited to accident-only plans | No explicit upper age limit stated |
Pre‑existing conditions | Curable conditions may be covered after 12 months of being symptom‑free | Curable conditions may be eligible for coverage if cured and symptom-free for 365 days |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Both Embrace and Fetch offer three-tier wellness plans, but Embrace has annual allowances of $300, $500 or $700 while Fetch provides service-specific coverage caps. The table below compares each tier's coverage.
Beyond optional wellness plans, Embrace has an Exam Fee add-on that covers vet exam fees related to eligible accidents and illnesses. Fetch, on the other hand, doesn't offer any other add-ons you can purchase to supplement your base policy.
Overall, Fetch offers better pet insurance for dogs and cats than Embrace. The company has lower rates for cat insurance, plus broad coverage options for maximum financial protection. However, Embrace is more preferable if you're seeking more affordable rates for dogs and excellent customer service.
Compare other major pet insurance companies to determine the best choice for your pet:
Compare Embrace and Fetch pet insurance through these common questions:
Embrace and Fetch both offer comprehensive accident and illness coverage for pets, though Fetch has more affordable rates for cats and no upper age limits for enrollment. Embrace excels in providing stellar customer service and offering cheaper premiums for dogs.
Neither provider is consistently cheaper across all pet categories. Embrace wins in five out of eight age groups against Fetch, while Fetch is more affordable for kittens, young cats and middle-aged cats than Embrace.
Fetch offers better coverage than Embrace, ranking third nationally compared to Embrace's 10th-place ranking for both cats and dogs. Both insurers cover standard treatments like diagnostics, medications and chronic conditions, but Fetch has no upper age limits for enrollment, while Embrace restricts 15-year-old pets and older to accident-only plans.
Neither Embrace nor Fetch covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for curable pre-existing conditions after 12 consecutive months without symptoms, treatment or medication.
Your best choice between Embrace and Fetch depends on your priority. Fetch is ideal if you're seeking comprehensive coverage for your dog at any life stage. Embrace is preferable if you want quality service and lower rates.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
