Embrace vs. Fetch Pet Insurance

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%.

Learn more about the best pet insurance options for your pet across different situations:

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.

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.

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.

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.

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.

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 Fetch has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Embrace and Fetch differ significantly when it comes to pet insurance add-ons. Embrace offers a flexible, standalone wellness plan that reimburses for everyday preventive care, while Fetch focuses more on comprehensive base coverage and does not offer wellness add-ons. Here's how the providers compare:

Embrace offers a single preventive care add-on called Wellness Rewards, which functions like a budgeting tool for routine expenses:

• Wellness Rewards program: Reimburses up to $250, $450 or $650 annually depending on the tier selected. Eligible expenses include dental cleaning, routine exams, vaccinations, spay/neuter, vaccines, flea/tick and heartworm medication, grooming, microchipping, bloodwork and even training classes.

Fetch does not offer traditional add-ons like preventive care packages or wellness plans that cover vaccines and annual exams. However, it includes several services in its base plan that other providers treat as add-ons:

• Exam fee coverage: Unlike some competitors, Fetch includes vet exam fees for covered accidents and illnesses automatically.
• Behavioral therapy: Behavioral conditions like anxiety, aggression or compulsive behaviors are covered when diagnosed and treated by a licensed vet.
• Complementary therapies: Fetch covers alternative treatments such as acupuncture, hydrotherapy and chiropractic care when prescribed for a covered condition.
• Dental illness: Full coverage for dental illnesses affecting all adult teeth, including extractions and treatment for gum disease.

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:

Compare Embrace and Fetch pet insurance through these common questions:

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.