Whether you prioritize affordability, customer experience or coverage, Pets Best offers better pet insurance than Embrace. For dogs, Pets Best ranks third nationally compared to Embrace's 16th position. Cat coverage shows similar results, with Pets Best at seventh versus Embrace at 21st.
Embrace vs. Pets Best Pet Insurance
Updated: December 29, 2025
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Embrace vs. Pets Best Pet Insurance: Key Takeaways
Pets Best provides more affordable pet insurance, charging $27 monthly for cats and $53 monthly for dogs, while Embrace costs $46 and $77 respectively.
Pets Best ranks fifth nationally in customer experience for both cats and dogs, slightly ahead of Embrace at sixth place, with Pets Best receing more positive comments from Reddit users.
Pets Best has better coverage for pet insurance than Embrace, earning a second place national ranking for offering the option to pay licensed vets directly and more add-ons.
Is Embrace or Pets Best Pet Insurance Better?
| Cat | Affordability | Pets Best | 6 | 14 |
| Dog | Affordability | Pets Best | 4 | 12 |
| Cat | Coverage | Pets Best | 2 | 10 |
| Dog | Coverage | Pets Best | 2 | 10 |
| Cat | Customer Experience | Pets Best | 5 | 6 |
| Dog | Customer Experience | Pets Best | 5 | 6 |
| Cat | Overall Score | Pets Best | 7 | 14 |
| Dog | Overall Score | Pets Best | 3 | 13 |
How We Decided the Winning Pet Insurance Provider
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.
Learn more about the best pet insurance options for your pet across different situations:
Embrace and Pets Best Comparison by State
Based on our analysis, Pets Best wins over Embrace as the best pet insurance company for dogs and cats across all 50 states.
Data filtered by:
Select
| Alabama | Cat | Pets Best |
| Alabama | Dog | Pets Best |
| Alaska | Cat | Pets Best |
| Alaska | Dog | Pets Best |
| Arizona | Cat | Pets Best |
| Arizona | Dog | Pets Best |
| Arkansas | Cat | Pets Best |
| Arkansas | Dog | Pets Best |
| California | Cat | Pets Best |
| California | Dog | Pets Best |
| Colorado | Cat | Pets Best |
| Colorado | Dog | Pets Best |
| Connecticut | Cat | Pets Best |
| Connecticut | Dog | Pets Best |
| Delaware | Cat | Pets Best |
| Delaware | Dog | Pets Best |
| Florida | Cat | Pets Best |
| Florida | Dog | Pets Best |
| Georgia | Cat | Pets Best |
| Georgia | Dog | Pets Best |
| Hawaii | Cat | Pets Best |
| Hawaii | Dog | Pets Best |
| Idaho | Cat | Pets Best |
| Idaho | Dog | Pets Best |
| Illinois | Cat | Pets Best |
| Illinois | Dog | Pets Best |
| Indiana | Cat | Pets Best |
| Indiana | Dog | Pets Best |
| Iowa | Cat | Pets Best |
| Iowa | Dog | Pets Best |
| Kansas | Cat | Pets Best |
| Kansas | Dog | Pets Best |
| Kentucky | Cat | Pets Best |
| Kentucky | Dog | Pets Best |
| Louisiana | Cat | Pets Best |
| Louisiana | Dog | Pets Best |
| Maine | Cat | Pets Best |
| Maine | Dog | Pets Best |
| Maryland | Cat | Pets Best |
| Maryland | Dog | Pets Best |
| Massachusetts | Cat | Pets Best |
| Massachusetts | Dog | Pets Best |
| Michigan | Cat | Pets Best |
| Michigan | Dog | Pets Best |
| Minnesota | Cat | Pets Best |
| Minnesota | Dog | Pets Best |
| Mississippi | Cat | Pets Best |
| Mississippi | Dog | Pets Best |
| Missouri | Cat | Pets Best |
| Missouri | Dog | Pets Best |
| Montana | Cat | Pets Best |
| Montana | Dog | Pets Best |
| Nebraska | Cat | Pets Best |
| Nebraska | Dog | Pets Best |
| Nevada | Cat | Pets Best |
| Nevada | Dog | Pets Best |
| New Hampshire | Cat | Pets Best |
| New Hampshire | Dog | Pets Best |
| New Jersey | Cat | Pets Best |
| New Jersey | Dog | Pets Best |
| New Mexico | Cat | Pets Best |
| New Mexico | Dog | Pets Best |
| New York | Cat | Pets Best |
| New York | Dog | Pets Best |
| North Carolina | Cat | Pets Best |
| North Carolina | Dog | Pets Best |
| North Dakota | Cat | Pets Best |
| North Dakota | Dog | Pets Best |
| Ohio | Cat | Pets Best |
| Ohio | Dog | Pets Best |
| Oklahoma | Cat | Pets Best |
| Oklahoma | Dog | Pets Best |
| Oregon | Cat | Pets Best |
| Oregon | Dog | Pets Best |
| Pennsylvania | Cat | Pets Best |
| Pennsylvania | Dog | Pets Best |
| Rhode Island | Cat | Pets Best |
| Rhode Island | Dog | Pets Best |
| South Carolina | Cat | Pets Best |
| South Carolina | Dog | Pets Best |
| South Dakota | Cat | Pets Best |
| South Dakota | Dog | Pets Best |
| Tennessee | Cat | Pets Best |
| Tennessee | Dog | Pets Best |
| Texas | Cat | Pets Best |
| Texas | Dog | Pets Best |
| Utah | Cat | Pets Best |
| Utah | Dog | Pets Best |
| Vermont | Cat | Pets Best |
| Vermont | Dog | Pets Best |
| Virginia | Cat | Pets Best |
| Virginia | Dog | Pets Best |
| Washington | Cat | Pets Best |
| Washington | Dog | Pets Best |
| West Virginia | Cat | Pets Best |
| West Virginia | Dog | Pets Best |
| Wisconsin | Cat | Pets Best |
| Wisconsin | Dog | Pets Best |
| Wyoming | Cat | Pets Best |
| Wyoming | Dog | Pets Best |
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 vs. Pets Best Pet Insurance Cost
Pets Best offers more affordable pet insurance than Embrace across all age categories for both dogs and cats. Middle-aged cat owners save the most with Pets Best at 41%.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Pets Best | $13 | 38% |
| Young Cats | Pets Best | $17 | 40% |
| Puppies | Pets Best | $27 | 18% |
| Middle Aged Cats | Pets Best | $27 | 41% |
| Young Dogs | Pets Best | $33 | 25% |
| Middle Aged Dogs | Pets Best | $53 | 31% |
| Senior Cats | Pets Best | $67 | 31% |
| Senior Dogs | Pets Best | $133 | 30% |
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.
Embrace vs. Pets Best Pet Insurance Cost by State
Pets Best provides the cheapest pet insurance compared to Embrace in all 50 states and every age category, with Arkansas having the lowest rates for most pet ages.
- Kittens: Arkansas has the lowest monthly rate at $9 for Pets Best compared to Embrace, saving pet owners 38%.
- Puppies: Pets Best charges $18 monthly in Arkansas versus Embrace's higher rate, with owners saving 18%.
- Young Cats: Cat owners in Arkansas pay just $11 monthly with Pets Best instead of Embrace and save 39%.
- Young Dogs: In Arkansas, Pets Best costs $22 monthly compared to Embrace, cutting expenses by 25%.
- Middle-Aged Cats: Pets Best offers Arkansas residents the cheapest rate at $18 monthly versus Embrace, delivering 40% savings.
- Middle-Aged Dogs: Arkansas provides the lowest Pets Best rate at $36 monthly compared to Embrace, with 31% savings.
- Senior Cats: The most affordable coverage for senior cats comes from Pets Best in Arkansas at $45 monthly versus Embrace (31% savings).
- Senior Dogs: Arkansas residents pay $89 monthly for Pets Best senior dog coverage instead of Embrace's rate, saving 30%.
Data filtered by:
Middle Aged Dogs
| Alabama | Pets Best | $39 | 31% |
| Alaska | Pets Best | $52 | 31% |
| Arizona | Pets Best | $65 | 31% |
| Arkansas | Pets Best | $36 | 31% |
| California | Pets Best | $67 | 31% |
| Colorado | Pets Best | $67 | 31% |
| Connecticut | Pets Best | $61 | 31% |
| Delaware | Pets Best | $53 | 31% |
| Florida | Pets Best | $60 | 31% |
| Georgia | Pets Best | $48 | 31% |
| Hawaii | Pets Best | $54 | 31% |
| Idaho | Pets Best | $53 | 31% |
| Illinois | Pets Best | $66 | 30% |
| Indiana | Pets Best | $48 | 31% |
| Iowa | Pets Best | $45 | 31% |
| Kansas | Pets Best | $48 | 31% |
| Kentucky | Pets Best | $42 | 31% |
| Louisiana | Pets Best | $43 | 31% |
| Maine | Pets Best | $65 | 31% |
| Maryland | Pets Best | $52 | 31% |
| Massachusetts | Pets Best | $69 | 31% |
| Michigan | Pets Best | $53 | 31% |
| Minnesota | Pets Best | $55 | 31% |
| Mississippi | Pets Best | $45 | 31% |
| Missouri | Pets Best | $42 | 31% |
| Montana | Pets Best | $45 | 31% |
| Nebraska | Pets Best | $48 | 31% |
| Nevada | Pets Best | $55 | 30% |
| New Hampshire | Pets Best | $62 | 31% |
| New Jersey | Pets Best | $60 | 31% |
| New Mexico | Pets Best | $47 | 31% |
| New York | Pets Best | $58 | 31% |
| North Carolina | Pets Best | $47 | 31% |
| North Dakota | Pets Best | $41 | 31% |
| Ohio | Pets Best | $49 | 31% |
| Oklahoma | Pets Best | $45 | 31% |
| Oregon | Pets Best | $66 | 31% |
| Pennsylvania | Pets Best | $55 | 31% |
| Rhode Island | Pets Best | $46 | 31% |
| South Carolina | Pets Best | $50 | 31% |
| South Dakota | Pets Best | $47 | 31% |
| Tennessee | Pets Best | $49 | 31% |
| Texas | Pets Best | $56 | 31% |
| Utah | Pets Best | $51 | 31% |
| Vermont | Pets Best | $49 | 31% |
| Virginia | Pets Best | $57 | 31% |
| Washington | Pets Best | $61 | 31% |
| West Virginia | Pets Best | $46 | 31% |
| Wisconsin | Pets Best | $57 | 31% |
| Wyoming | Pets Best | $49 | 31% |
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.
Embrace vs. Pets Best Pet Insurance Discounts
Pets Best offers four pet insurance discounts, while Embrace provides two. That said, Embrace has a higher multiple pet discount at 10% versus Pets Best's 5%, making it the better choice for multi-pet households. Both companies also offer 5% military discounts, though Pets Best extends eligibility to spouses and children.
Multiple pets | Save 10% when you insure two or more pets on separate policies. | Save 5% for insuring more than one pet with Pets Best. |
Military | Get 5% for being an active or former member of the U.S. Air Force, Army, Marines, Navy or Coast Guard. | Active duty service members, veterans and military spouses or kids receive 5% off on pet insurance. |
Veterinary staff | None. | Get a 5% discount for working as a staff at a veterinary clinic. |
Employer group plan | None. | 5% off for joining a participating employer's group plan. |
Embrace vs. Pets Best Pet Insurance Customer Experience
Pets Best delivers better customer experience than Embrace, ranking fifth nationally for both dog and cat insurance in our study. While Embrace earns higher ratings from Trustpilot (4.1 vs. 3.8) and the Better Business Bureau (A+ rating vs. F rating), Reddit users strongly favors Pets Best with 70% positive comments to Embrace's 29%.
Embrace vs. Pets Best Trustpilot ratings
Embrace earns a slightly higher Trustpilot rating at 4.1 out of 5.0 compared to Pets Best's 3.8 out of 5.0. Embrace customers praise the company's quick claim processing within days and caring customer service representatives. Pets Best reviewers appreciate its straightforward plans and easy claim submissions but frequently mention slow processing times taking several weeks and ongoing website access issues.
Embrace vs. Pets Best BBB ratings
Embrace maintains an A+ BBB rating with accreditation, reflecting strong complaint resolution and business practices. Pets Best holds an F rating and is not accredited, indicating concerns with complaint handling and transparency.
Embrace vs. Pets Best Pet Insurance Reddit Sentiment
Reddit users appear more satisfied overall with Pets Best's service experience than Embrace's. Pets Best garners 70% positive sentiment from 10 comments, with customers praising its quick reimbursements and affordability. Meanwhile, Embrace has 29% positive feedback from 21 total comments, with most of the complaints centered on claim denials and coverage gaps that leave users paying out-of-pocket for treatments they expected to be covered.
Embrace vs. Pets Best Pet Insurance Coverage
Both Embrace and Pets Best provide broad pet insurance coverage for accidents and illnesses. Between the two, Embrace has no waiting periods for accidents and provides more flexibility in annual limits. Still, Pets Best wins for coverage by offering the option to pay veterinarians directly, reducing upfront costs during vet visits.
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 | $100, $200, $250, $500, $1,000 | |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
No waiting period for accidents, 14 days for illnesses, 6 months for orthopedic conditions | 3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events and related conditions | |
Age restrictions | Limits 15-year-old pets and older to accident-only plans | No upper age limit for most plans |
Pre-existing conditions | Curable pre-existing conditions covered after 12 months of being symptom-free | Curable pre-existing conditions may be eligible for coverage if cured and no further treatment is needed |
Direct vet payment | No option for direct vet pay | Pays vets directly if you submit a completed pet insurance claim along with a veterinarian reimbursement release form that both you and your vet have signed |
Accident-only coverage | Covers accidents and injuries for up to $5,000 each year, with a fixed $100 deductible and 90% reimbursement rate | Provides coverage for exams, surgeries, hospitalization, diagnostics, emergency care and outpatient care related to new accidents |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. Pets Best Wellness Plans
Both Embrace and Pets Best offer wellness plans as optional add-ons to standard coverage, though they differ in tier structure and included benefits. Embrace provides three wellness tiers while Pets Best offers two coverage levels, as outlined in the table below.
- $300 Tier: Provides $300 in annual benefits and offers flexible coverage without service-specific caps, allowing you to allocate funds toward any eligible preventive care including wellness exams, vaccinations, dental cleanings, flea and tick prevention, grooming and training services.
- $500 Tier: Provides $500 in annual benefits, ideal if you visit the vet more frequently and keep up with routine care and preventative services. Like the $300 tier, you can use these funds flexibly across all eligible preventive care services without per-service limitations.
- $700 Tier: Offers $700 in annual benefits and provides maximum flexibility for pets requiring extensive preventive care. This tier is best for puppies and kittens who need to get vaccinated or spayed/neutered during their first months. You also control how to allocate the full amount across any combination of eligible wellness services.
- EssentialWellness: Offers $305 in total annual benefits and extends coverage to wellness exams, vaccinations, blood work, fecal exams, urinalysis, heartworm tests and deworming. Note that it follows a fixed benefit schedule with caps on each service.
- BestWellness: Provides $535 in total annual benefits and includes everything in EssentialWellness, plus teeth cleaning and spaying or neutering procedures. Similar to EssentialWellness, it uses a fixed benefit schedule with predetermined limits per service.
Embrace vs. Pets Best Pet Insurance Add-ons
Embrace provides also offers an Exam Fees add-on, which covers vet exam fees associated with eligible accidents and illnesses. Meanwhile, Pets Best has two add-ons, one of which is for exam fees that reimburses exam fees for eligible accidents or illnesses. The other add-on is for physical therapy, covering the cost of rehabilitation, acupuncture and chiropractic care related to a covered condition.
Embrace vs. Pets Best Pet Insurance: Bottom Line
Pets Best offers better pet insurance than Embrace, winning across affordability, coverage and customer experience. Pets Best offers the option for direct vet payment while charging less for coverage, with rates starting at $53 monthly for middle-aged dogs and $27 monthly for middle-aged cats. Despite Pets Best's F BBB rating, the company maintains a solid 3.8 Trustpilot score and 70% positive sentiment on Reddit, showing customers appreciate the value and service quality they receive.
Compare other major pet insurance companies to determine the best choice for your pet:
Embrace vs. Pets Best Pet Insurance Comparison: FAQ
Compare Embrace and Pets Best pet insurance through these common questions:
What is the difference between Embrace vs. Pets Best pet insurance?
Embrace offers two pet insurance discounts and three optional wellness plans with coverage that lets you allocate funds across any eligible preventive care services without per-service caps. That said, pets older than 14 are limited to accident-only plans. Pets Best has four pet insurance discounts and two wellness add-ons, along with the option to pay licensed vets directly and no upper age limits for enrollment.
Which is cheaper: Embrace vs Pets Best pet insurance?
Pets Best is cheaper than Embrace across all 50 states for every pet age group. Middle-aged cats cost $27 per month with Pets Best versus Embrace's $46 monthly rate. Middle-aged dogs show even bigger savings at $53 per month with Pets Best compared to Embrace's $77 monthly premium.
Does Embrace vs Pets Best cover pre-existing conditions?
Neither Embrace nor Pets Best covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage later for certain curable conditions. Embrace covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment or flare-ups. Pets Best similarly provides coverage for curable conditions if they're cured and no further treatment is needed.
Which has better coverage: Embrace vs. Pets Best?
Pets Best offers better coverage, ranking second nationally, while Embrace ranks 10th for both cats and dogs. While Embrace has more annual limit options and no waiting period for accidents, Pets Best edges out its competition by offering to pay veterinarians directly.
Is Embrace or Pets Best better for dogs and cats?
Pets Best is better for dogs and cats than Embrace, excelling in affordability, customer experience and coverage options.
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.