Embrace vs. Pets Best Pet Insurance

Pets Best offers better pet insurance coverage for dogs and cats than Embrace, ranking second nationally while Embrace ranks tenth. Both providers offer similar deductible ranges and reimbursement rate options, but Pets Best provides more comprehensive annual coverage limits and greater flexibility in adjusting coverage terms after enrollment, giving pet owners better protection options.

Pets Best is the best pet insurance company in Wisconsin for dogs and leads in Maryland for cat coverage. The provider demonstrates strong regional performance in these two states across both pet categories.

Pets Best offers more affordable pet insurance than Embrace across all age groups for both cats and dogs. For middle-aged dogs, Pets Best costs $53 per month compared with Embrace's $77. Middle-aged cats cost $27 monthly with Pets Best versus $46 with Embrace.

See how much pet insurance costs across different age categories.

Pets Best provides the cheapest pet insurance in all 50 states, beating Embrace across every pet category. Pets Best offers lower rates for middle-aged dogs and cats, plus puppies, kittens and senior pets nationwide.

Both Embrace and Pets Best offer multiple pet insurance discounts that help reduce monthly premiums and improve affordability. These savings options reward pet owners who insure more than one animal or qualify through organizations or employer programs.

Pets Best delivers better customer experience than Embrace, ranking fifth nationally for both dog and cat insurance in our study. However, the ratings tell a mixed story. Embrace maintains consistent quality with strong BBB and Trustpilot ratings, while Pets Best shows uneven performance with solid customer reviews but a poor BBB rating that raises concerns about business practices.

Both Embrace and Pets Best provide broad pet insurance coverage for accidents and illnesses. Their plans include essential benefits like surgery, cancer treatment and hereditary condition coverage, with flexible deductible and reimbursement options that let you tailor coverage to your budget.

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

Optional add-ons allow pet owners to customize coverage for wellness care, dental cleaning, and other preventive services. Both providers offer wellness plans that help manage predictable annual care costs.

• Wellness Rewards plan: Provides annual benefit levels of $300, $500 or $700 to reimburse expenses for dental cleaning, vaccines, blood tests, spay/neuter, microchipping, grooming and training.
• Prescription drug coverage: Some plans include medication reimbursement for covered conditions or allow this as an optional upgrade.

• Routine care add-ons: Two wellness tiers that cover annual exams, dental cleaning, vaccines, blood tests, spay/neuter, flea/tick medication, and microchipping.
• Accident-Only plan with wellness add-on: A lower-cost option that combines accident coverage with routine wellness benefits for preventive care.

Pets Best beats Embrace across affordability, coverage and customer service. Pets Best offers more comprehensive coverage options while charging significantly less, with rates starting at $53 monthly for middle-aged dogs and $27 for cats. Despite Pets Best's F BBB rating, the company maintains a solid 4.0 Trustpilot score, showing customers appreciate the value and service quality they receive.

Compare Embrace and Pets Best pet insurance through these common questions:

Evaluating Embrace and Pets Best required analyzing both providers under identical conditions and coverage scenarios. We obtained quotes from each company using standardized pet profiles and policy settings:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

We scored both providers across three weighted categories:

Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess real-world pricing, including applicable discounts that affect actual premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and reviewed online feedback 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.