Fetch offers superior pet insurance for both dogs and cats compared to Embrace, ranking third nationally while Embrace ranks tenth. Fetch provides more flexible annual coverage limits up to unlimited options and shorter accident waiting periods of just one day, while both companies offer similar deductible ranges from $200 to $1,000 and comparable reimbursement rates between 70% to 90%.
Embrace vs. Fetch Pet Insurance
Updated: December 23, 2025
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Embrace vs. Fetch Pet Insurance: Key Takeaways
Fetch provides more affordable coverage for cats at $45 monthly while Embrace offers better rates for dogs at $77 monthly, compared to their competitors' rates of $46 and $103 respectively.
Embrace ranks sixth nationally in customer experience for both cats and dogs, though Fetch maintains a higher Trustpilot rating of 4.5 out of 5.0 stars compared to Embrace's 4.1 stars.
Fetch demonstrates stronger coverage options with a third place national ranking, while Embrace places tenth nationwide, with both providers offering accident coverage after a standard two week waiting period.
Is Embrace or Fetch Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Embrace | 12 | 13 |
| Coverage | Fetch | 3 | 10 |
| Customer Experience | Embrace | 6 | 6 |
| Overall Score | Fetch | 11 | 13 |
Learn more about the best pet insurance options for your pet across different situations:
Embrace and Fetch Comparison by State
Fetch is the best pet insurance company in 26 states for dogs and leads in Maryland for cats. Embrace ranks first for dog coverage in Arkansas, Idaho, Illinois, Nebraska, Nevada and Tennessee. Fetch's widespread state leadership makes it a dominant choice for dog owners nationwide.
Data filtered by:
Overall Score
Dog
| Alabama | Fetch | 11 | 1 |
| Alaska | Fetch | 11 | 1 |
| Arizona | Embrace | 12 | 2 |
| Arkansas | Embrace | 11 | 1 |
| California | Fetch | 13 | 1 |
| Colorado | Fetch | 13 | 1 |
| Connecticut | Fetch | 12 | 1 |
| Delaware | Fetch | 11 | 2 |
| Florida | Embrace | 12 | 1 |
| Georgia | Fetch | 12 | 2 |
| Hawaii | Fetch | 11 | 3 |
| Idaho | Embrace | 11 | 1 |
| Illinois | Embrace | 11 | 3 |
| Indiana | Fetch | 12 | 1 |
| Iowa | Fetch | 11 | 2 |
| Kansas | Fetch | 11 | 1 |
| Kentucky | Fetch | 11 | 1 |
| Louisiana | Fetch | 11 | 2 |
| Maine | Fetch | 12 | 1 |
| Maryland | Fetch | 11 | 2 |
| Massachusetts | Fetch | 13 | 1 |
| Michigan | Fetch | 11 | 1 |
| Minnesota | Fetch | 12 | 2 |
| Mississippi | Fetch | 11 | 1 |
| Missouri | Fetch | 11 | 2 |
| Montana | Fetch | 11 | 1 |
| Nebraska | Embrace | 11 | 1 |
| Nevada | Embrace | 11 | 2 |
| New Hampshire | Fetch | 13 | 1 |
| New Jersey | Embrace | 13 | 1 |
| New Mexico | Fetch | 11 | 1 |
| New York | Embrace | 13 | 1 |
| North Carolina | Fetch | 11 | 3 |
| North Dakota | Fetch | 11 | 1 |
| Ohio | Fetch | 12 | 2 |
| Oklahoma | Fetch | 11 | 1 |
| Oregon | Fetch | 13 | 1 |
| Pennsylvania | Embrace | 12 | 1 |
| Rhode Island | Fetch | 11 | 2 |
| South Carolina | Fetch | 11 | 1 |
| South Dakota | Fetch | 11 | 2 |
| Tennessee | Embrace | 11 | 2 |
| Texas | Embrace | 12 | 1 |
| Utah | Fetch | 11 | 3 |
| Vermont | Fetch | 11 | 2 |
| Virginia | Fetch | 11 | 3 |
| Washington | Fetch | 11 | 2 |
| West Virginia | Fetch | 11 | 1 |
| Wisconsin | Fetch | 12 | 1 |
| Wyoming | Fetch | 11 | 1 |
Embrace vs. Fetch Pet Insurance Cost
Embrace offers more affordable pet insurance rates overall, providing cheaper coverage in five of eight age categories. For middle-aged dogs, Embrace costs $77 per month compared with $103 from Fetch. Middle-aged cats cost $45 with Fetch versus $46 with Embrace.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| 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% |
Embrace vs. Fetch Pet Insurance Cost by State
Pricing results are mixed for the cheapest pet insurance between these providers. Embrace offers lower rates for all dog categories, including middle-aged dogs and puppies. Fetch provides more affordable coverage for most cats, particularly middle-aged cats and kittens.
Data filtered by:
Middle Aged Dogs
| 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% |
Embrace vs. Fetch Pet Insurance Discounts
Fetch offers more pet insurance discounts than Embrace, with three ways to save compared to Embrace's two discount options. The table below details each provider's specific discount offerings and savings amounts.
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 vs. Fetch Pet Insurance Customer Experience
Embrace delivers better customer experience than Fetch, ranking sixth nationally for both dog and cat insurance. While both providers maintain A+ BBB ratings, Embrace's consistent performance across our customer experience metrics gives it the edge. Fetch does score higher on Trustpilot with 4.5 out of 5.0 compared to Embrace's 4.1 out of 5.0, but Embrace's overall customer service approach proves more reliable.
Embrace vs Fetch Trustpilot ratings
Fetch earns a higher Trustpilot rating at 4.5 out of 5.0 compared to Embrace's 4.1 out of 5.0. These verified customer reviews suggest Fetch users report slightly better overall satisfaction with digital tools and claims processing.
Embrace vs Fetch BBB ratings
Both Embrace and Fetch maintain A+ BBB ratings with accreditation, indicating strong complaint handling and business transparency. These identical ratings reflect both companies meet BBB standards for trustworthy business practices.
Embrace vs Fetch Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found Embrace received 29% positive sentiment from 21 total comments, while Fetch scored 8% positive from 13 comments. User sentiment on Reddit shows more favorable mentions for Embrace despite both providers receiving mixed feedback overall.
Embrace vs. Fetch Pet Insurance Coverage
Fetch offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Embrace has shorter waiting periods for accidents and illnesses.
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.
Embrace vs. Fetch Pet Insurance Add-ons
Embrace and Fetch differ significantly when it comes to pet insurance add-ons. Here's how the providers compare:
Embrace Pet Insurance Add-ons
Embrace offers a two optional add-ons:
- Wellness Rewards: Reimburses up to $300, $500 or $700 annually, depending on the tier selected, and covers dental cleaning, routine exams, vaccines, grooming, microchipping, prescription diets and even training classes.
- Exam Fee Add-On: Covers vet exam fees related to eligible accidents and illnesses.
Fetch Pet Insurance Add-ons
Fetch provides one optional add-on:
- Fetch Wellness: Comes in three tiers (Essential, Advantage and Prime) and provides coverage for routine care services, such as annual exams, vaccines, dental cleanings, parasite prevention, spay/neuter procedure, microchipping, fecal test and urinalysis.
Embrace vs. Fetch Pet Insurance: Bottom Line
Choosing between Embrace and Fetch depends on your pet type and priorities. Fetch delivers stronger coverage options and better overall value, particularly for cat owners with rates starting at $45 monthly for middle-aged cats. However, Embrace excels in customer service, earning a 4.1 out of 5.0 Trustpilot rating and A+ BBB rating, plus offers more affordable coverage for dog owners at $77 monthly for middle-aged dogs.
Compare other major pet insurance companies to determine the best choice for your pet:
Embrace vs. Fetch Pet Insurance Comparison: FAQ
Compare Embrace and Fetch pet insurance through these common questions:
Which is cheaper: Embrace vs Fetch pet insurance?
Neither provider is consistently cheaper across all pet categories. Embrace wins in 5 out of 8 age groups, while Fetch is more affordable for kittens, young cats, and middle-aged cats. For middle-aged dogs, Embrace costs $77 monthly versus Fetch's $103, creating substantial annual savings of $318.
Which has better customer service: Embrace vs Fetch pet insurance?
Embrace delivers superior customer service, ranking sixth nationally for customer experience compared to Fetch. Both providers maintain A+ BBB ratings, but their Trustpilot scores differ significantly. Embrace holds a 4.1 out of 5.0 Trustpilot rating, while Fetch earns a higher 4.5 Trustpilot score, creating mixed signals in their overall customer satisfaction performance.
Which offers better coverage: Embrace vs Fetch pet insurance?
Fetch offers better coverage than Embrace, ranking third nationally compared to Embrace's 10th-place ranking for both cats and dogs. Fetch provides comprehensive add-ons including behavioral therapy, dental illness coverage, and end-of-life care. Both insurers cover standard treatments like diagnostics, medications, and chronic conditions, but Fetch's broader selection of optional benefits allows more customization for your pet's specific needs.
Can I switch from Embrace vs Fetch pet insurance or vice versa?
You can switch between Embrace and Fetch pet insurance anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply: typically 14 days for illnesses and up to 6 months for orthopedic conditions. Any conditions diagnosed under your previous policy will be considered pre-existing with your new insurer.
Does Embrace vs Fetch cover pre-existing conditions?
Neither Embrace nor Fetch covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Embrace covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment, or medication. Fetch offers similar coverage for curable conditions after one full year symptom-free.
Can I get discounts with both Embrace vs Fetch pet insurance?
Yes, both Embrace and Fetch offer discounts to help reduce premium costs. Embrace provides multiple discount options, including 10% off for multi-pet households, 5% for annual payment plans, and additional savings through employer group programs. Fetch offers fewer discount types but includes 10% multi-pet discounts and 5% savings for paying annually.
What are the age limits for Embrace vs Fetch pet insurance?
Embrace accepts pets of any age without upper enrollment limits, making it suitable for senior animals. Fetch restricts enrollment for older pets, typically cutting off coverage between ages 10-14 depending on the breed. This age restriction significantly limits Fetch's appeal for owners of senior pets seeking new coverage.
How We Scored Embrace vs. Fetch Pet Insurance
Evaluating Embrace vs Fetch required analyzing both providers under identical testing conditions. We obtained quotes using the same pet profiles and policy specifications to ensure fair comparison:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek scored both companies using three weighted criteria based on importance to pet owners:
Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess real-world pricing, including available discounts that affect actual premium costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to measure customer satisfaction with claims processing and support services.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.