Pumpkin offers better pet insurance than Embrace overall, ranking third nationally for cats and seventh for dogs in MoneyGeek's study. Embrace ranks 14th for cats and 13th for dogs. That said, the better choice depends on what you need. Pumpkin works best if you want lower costs and strong service. Embrace is the better fit if broader coverage is the priority.
Embrace vs. Pumpkin Pet Insurance
Updated: March 16, 2026
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Embrace vs. Pumpkin Pet Insurance: Key Takeaways
Pumpkin charges $30 monthly for middle-aged cats and $48 for dogs. Embrace costs $46 for cats and $77 for dogs in the same age group.
Pumpkin offers better customer service than Embrace, backed by its higher Trustpilot rating (4.9 out of 5 versus 4 out of 5) and stronger positive sentiment on Reddit (79% versus 29%).
Embrace has more comprehensive pet insurance coverage compared to Pumpkin's, with its standard policies featuring more options for deductibles, annual limits and reimbursement rates, plus no waiting period for accidents.
Is Embrace or Pumpkin Pet Insurance Better?
| Cat | Affordability | Pumpkin | 1 | 14 |
| Dog | Affordability | Pumpkin | 3 | 12 |
| Cat | Coverage | Embrace | 10 | 11 |
| Dog | Coverage | Embrace | 10 | 11 |
| Cat | Customer Experience | Pumpkin | 3 | 6 |
| Dog | Customer Experience | Pumpkin | 3 | 6 |
| Cat | Overall Score | Pumpkin | 3 | 14 |
| Dog | Overall Score | Pumpkin | 7 | 13 |
How We Decided the Winning Pet Insurance Provider
Scores are based on average pricing and customer experience data for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, assuming a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Explore top pet insurance picks based on your pet’s needs and circumstances:
Embrace and Pumpkin Comparison by State
Our analysis found that Pumpkin wins against Embrace in all 50 states for both dogs and cats, making it the best pet insurance company between the two regardless of where you live.
Data filtered by:
Select
| Alabama | Cat | Pumpkin |
| Alabama | Dog | Pumpkin |
| Alaska | Cat | Pumpkin |
| Alaska | Dog | Pumpkin |
| Arizona | Cat | Pumpkin |
| Arizona | Dog | Pumpkin |
| Arkansas | Cat | Pumpkin |
| Arkansas | Dog | Pumpkin |
| California | Cat | Pumpkin |
| California | Dog | Pumpkin |
| Colorado | Cat | Pumpkin |
| Colorado | Dog | Pumpkin |
| Connecticut | Cat | Pumpkin |
| Connecticut | Dog | Pumpkin |
| Delaware | Cat | Pumpkin |
| Delaware | Dog | Pumpkin |
| Florida | Cat | Pumpkin |
| Florida | Dog | Pumpkin |
| Georgia | Cat | Pumpkin |
| Georgia | Dog | Pumpkin |
| Hawaii | Cat | Pumpkin |
| Hawaii | Dog | Pumpkin |
| Idaho | Cat | Pumpkin |
| Idaho | Dog | Pumpkin |
| Illinois | Cat | Pumpkin |
| Illinois | Dog | Pumpkin |
| Indiana | Cat | Pumpkin |
| Indiana | Dog | Pumpkin |
| Iowa | Cat | Pumpkin |
| Iowa | Dog | Pumpkin |
| Kansas | Cat | Pumpkin |
| Kansas | Dog | Pumpkin |
| Kentucky | Cat | Pumpkin |
| Kentucky | Dog | Pumpkin |
| Louisiana | Cat | Pumpkin |
| Louisiana | Dog | Pumpkin |
| Maine | Cat | Pumpkin |
| Maine | Dog | Pumpkin |
| Maryland | Cat | Pumpkin |
| Maryland | Dog | Pumpkin |
| Massachusetts | Cat | Pumpkin |
| Massachusetts | Dog | Pumpkin |
| Michigan | Cat | Pumpkin |
| Michigan | Dog | Pumpkin |
| Minnesota | Cat | Pumpkin |
| Minnesota | Dog | Pumpkin |
| Mississippi | Cat | Pumpkin |
| Mississippi | Dog | Pumpkin |
| Missouri | Cat | Pumpkin |
| Missouri | Dog | Pumpkin |
| Montana | Cat | Pumpkin |
| Montana | Dog | Pumpkin |
| Nebraska | Cat | Pumpkin |
| Nebraska | Dog | Pumpkin |
| Nevada | Cat | Pumpkin |
| Nevada | Dog | Pumpkin |
| New Hampshire | Cat | Pumpkin |
| New Hampshire | Dog | Pumpkin |
| New Jersey | Cat | Pumpkin |
| New Jersey | Dog | Pumpkin |
| New Mexico | Cat | Pumpkin |
| New Mexico | Dog | Pumpkin |
| New York | Cat | Pumpkin |
| New York | Dog | Pumpkin |
| North Carolina | Cat | Pumpkin |
| North Carolina | Dog | Pumpkin |
| North Dakota | Cat | Pumpkin |
| North Dakota | Dog | Pumpkin |
| Ohio | Cat | Pumpkin |
| Ohio | Dog | Pumpkin |
| Oklahoma | Cat | Pumpkin |
| Oklahoma | Dog | Pumpkin |
| Oregon | Cat | Pumpkin |
| Oregon | Dog | Pumpkin |
| Pennsylvania | Cat | Pumpkin |
| Pennsylvania | Dog | Pumpkin |
| Rhode Island | Cat | Pumpkin |
| Rhode Island | Dog | Pumpkin |
| South Carolina | Cat | Pumpkin |
| South Carolina | Dog | Pumpkin |
| South Dakota | Cat | Pumpkin |
| South Dakota | Dog | Pumpkin |
| Tennessee | Cat | Pumpkin |
| Tennessee | Dog | Pumpkin |
| Texas | Cat | Pumpkin |
| Texas | Dog | Pumpkin |
| Utah | Cat | Pumpkin |
| Utah | Dog | Pumpkin |
| Vermont | Cat | Pumpkin |
| Vermont | Dog | Pumpkin |
| Virginia | Cat | Pumpkin |
| Virginia | Dog | Pumpkin |
| Washington | Cat | Pumpkin |
| Washington | Dog | Pumpkin |
| West Virginia | Cat | Pumpkin |
| West Virginia | Dog | Pumpkin |
| Wisconsin | Cat | Pumpkin |
| Wisconsin | Dog | Pumpkin |
| Wyoming | Cat | Pumpkin |
| Wyoming | Dog | Pumpkin |
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. Pumpkin Pet Insurance Cost
Based on our pet insurance cost study, Pumpkin costs less than Embrace across all age groups for both dogs and cats. Savings run from 22% to 39% depending on your pet's age. The price gap grows as pets get older, so Pumpkin's lower rates matter most for middle-aged and senior pets.
- Kittens: Pumpkin costs $17 monthly compared to Embrace's $21, saving you 22% or $4 per month.
- Puppies: You'll pay $24 monthly with Pumpkin versus $33 with Embrace, cutting your costs by 25% and saving $8 each month.
- Young cats: Embrace charges $29 monthly while Pumpkin costs $21, which means 27% savings or $8 less per month.
- Young dogs: Pumpkin's $31 monthly rate beats Embrace's $44 rate by 29%, saving you $13 monthly.
- Middle-aged cats: At $30 monthly, Pumpkin costs 35% less than Embrace's $46 rate, putting $16 back in your pocket each month.
- Middle-aged dogs: Embrace costs $77 monthly compared to Pumpkin's $48, so switching saves you 38% or $29 per month.
- Senior cats: You'll save 34% with Pumpkin's $64 monthly rate versus Embrace's $98, keeping an extra $34 monthly.
- Senior dogs: Pumpkin charges $116 monthly against Embrace's $192, a 39% difference that cuts your monthly cost by $75.
Data filtered by:
Select
| Kittens | Pumpkin | $17 | 22% |
| Young Cats | Pumpkin | $21 | 27% |
| Puppies | Pumpkin | $24 | 25% |
| Middle Aged Cats | Pumpkin | $30 | 35% |
| Young Dogs | Pumpkin | $31 | 29% |
| Middle Aged Dogs | Pumpkin | $48 | 38% |
| Senior Cats | Pumpkin | $64 | 34% |
| Senior Dogs | Pumpkin | $116 | 39% |
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. Pumpkin Pet Insurance Cost by State
When comparing Pumpkin and Embrace for the cheapest pet insurance, we found that Pumpkin costs less than Embrace across all 50 states and every age category for both dogs and cats. The savings gap varies by location and your pet's age, but Pumpkin consistently provides lower monthly premiums whether you're insuring a kitten in Alabama or a senior dog in Wyoming.
Data filtered by:
Middle Aged Dogs
| Alabama | Pumpkin | $35 | 38% |
| Alaska | Pumpkin | $46 | 38% |
| Arizona | Pumpkin | $58 | 38% |
| Arkansas | Pumpkin | $32 | 38% |
| California | Pumpkin | $60 | 38% |
| Colorado | Pumpkin | $60 | 38% |
| Connecticut | Pumpkin | $55 | 38% |
| Delaware | Pumpkin | $48 | 38% |
| Florida | Pumpkin | $54 | 38% |
| Georgia | Pumpkin | $43 | 38% |
| Hawaii | Pumpkin | $48 | 38% |
| Idaho | Pumpkin | $48 | 38% |
| Illinois | Pumpkin | $59 | 38% |
| Indiana | Pumpkin | $43 | 38% |
| Iowa | Pumpkin | $40 | 38% |
| Kansas | Pumpkin | $43 | 38% |
| Kentucky | Pumpkin | $38 | 38% |
| Louisiana | Pumpkin | $38 | 38% |
| Maine | Pumpkin | $58 | 38% |
| Maryland | Pumpkin | $47 | 38% |
| Massachusetts | Pumpkin | $61 | 38% |
| Michigan | Pumpkin | $48 | 38% |
| Minnesota | Pumpkin | $50 | 38% |
| Mississippi | Pumpkin | $41 | 38% |
| Missouri | Pumpkin | $38 | 38% |
| Montana | Pumpkin | $40 | 38% |
| Nebraska | Pumpkin | $43 | 38% |
| Nevada | Pumpkin | $49 | 38% |
| New Hampshire | Pumpkin | $55 | 38% |
| New Jersey | Pumpkin | $54 | 38% |
| New Mexico | Pumpkin | $42 | 38% |
| New York | Pumpkin | $52 | 38% |
| North Carolina | Pumpkin | $43 | 38% |
| North Dakota | Pumpkin | $37 | 38% |
| Ohio | Pumpkin | $44 | 38% |
| Oklahoma | Pumpkin | $40 | 38% |
| Oregon | Pumpkin | $59 | 38% |
| Pennsylvania | Pumpkin | $50 | 38% |
| Rhode Island | Pumpkin | $42 | 38% |
| South Carolina | Pumpkin | $45 | 38% |
| South Dakota | Pumpkin | $42 | 38% |
| Tennessee | Pumpkin | $44 | 38% |
| Texas | Pumpkin | $50 | 38% |
| Utah | Pumpkin | $46 | 38% |
| Vermont | Pumpkin | $44 | 38% |
| Virginia | Pumpkin | $51 | 38% |
| Washington | Pumpkin | $55 | 38% |
| West Virginia | Pumpkin | $41 | 38% |
| Wisconsin | Pumpkin | $51 | 38% |
| Wyoming | Pumpkin | $44 | 38% |
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. Pumpkin Pet Insurance Discounts
Both Embrace and Pumpkin make pet insurance more affordable with discounts. Both providers give you 10% off when you insure multiple pets, making them equal options for multi-pet households. Embrace is better for military families with its 5% military discount, while Pumpkin is ideal for veterinary clinic staff who can access exclusive savings.
Multiple pets | Save 10% when you enroll two or more pets with Pumpkin. | Get 10% off when you insure more than one pet with Embrace. |
Veterinary care | Receive savings from Pumpkin when you work as a staff at a veterinary clinic. | None. |
Military | None. | Active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard get 5% off their pet insurance premiums. |
Embrace vs. Pumpkin Pet Insurance Customer Experience
Pumpkin provides better customer experience than Embrace, ranking third nationally for both dogs and cats compared to Embrace's sixth position. Both insurers earn A+ ratings from the Better Business Bureau, but Pumpkin pulls ahead with a higher Trustpilot rating (4.9 versus 4) and positive sentiment on Reddit (79% versus 29%).
Embrace vs Pumpkin Trustpilot ratings
Pumpkin earns a higher Trustpilot rating of 4.9 out of 5 compared to Embrace's 4 out of 5. Pet owners rave about Pumpkin's quick reimbursements (often under a week) and compassionate support team, though some criticize its wellness plan value and pre-existing condition exclusions. Embrace earns kudos for easy claim submission and comprehensive coverage but receives consistent criticism for annual rate hikes even without claims and strict bilateral condition policies.
Embrace vs Pumpkin BBB ratings
Pumpkin holds an A+ rating from the BBB, similar to Embrace's A+ BBB rating. The A+ rating shows that both companies meet ethical business standards and resolve customer complaints effectively, though Embrace has held BBB accreditation since 2006 while Pumpkin only received accreditation in July 2025.
Embrace vs Pumpkin Reddit sentiment
Pumpkin garners 79% positive sentiment on Reddit from 14 total comments (11 positive, three negative), while Embrace only has 29% positive feedback from 21 comments (six positive, 15 negative). Reddit users highlight Pumpkin's helpful representatives and clear policy details, though some mention slow processing during busy periods and pre-existing condition limits. Some also praise Embrace's clear policy language and helpful staff but most users complain about denied claims, lengthy processing times and frustrating coverage exclusions.
Embrace vs. Pumpkin Pet Insurance Coverage
Embrace provides more comprehensive pet insurance coverage than Pumpkin, placing 10th nationally, while Pumpkin ranks 11th. Embrace's standard policy comes with no waiting period for accidents, plus a wider range of options for customizing your coverage level. That said, it limits senior pets aged 15 and above to accident-only plans, whereas Pumpkin has no upper age restrictions for enrollment.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $1,000 | $100, $250, $500, $750, $1,000 | |
$5,000, $10,000, $20,000, Unlimited | $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | |
80% or 90% | 70%, 80%, 90% | |
14 days for accidents and illnesses | Immediate coverage for accidents, 14 days for illnesses, six months for orthopedic conditions | |
Age restrictions | No upper age limit for accident and illness plans | Pets aged 15 years old and older are limited to accident-only plans |
Pre-existing conditions | Curable conditions may be eligible for coverage after 180 symptom-free days | Curable conditions may be covered if cured and symptom-free for 12 months |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. Pumpkin Pet Insurance Add-ons
Embrace and Pumpkin both offer optional wellness plans that help pay for common routine expenses like teeth cleanings, vaccinations and annual exams. However, Embrace's Wellness Rewards program allows you to choose among $300, $500 and $700 annual benefit options, while Pumpkin's Wellness Club is limited to Essential and Premium tiers.
- Wellness Rewards: Offers three flexible tiers ($300, $500 or $700 annually) with no per-item limits, letting you allocate funds however you choose across vaccinations, grooming, training and preventive care. Embrace adds an extra $25 bonus to your annual allowance and makes funds available immediately from day one, though unused amounts don't roll over.
- Exam Fees: Covers vet exam fees associated with eligible accidents and illnesses.
- Wellness Club: Covers wellness exams, vaccinations, fecal tests and spay/neuter procedures depending on the tier you choose (Essential or Premium). Members get 24/7 access to licensed veterinary professionals through PawSupport and discounts up to 60% to 70% on certain pet brands.
Embrace vs. Pumpkin Pet Insurance: Bottom Line
Pumpkin beats Embrace for pet insurance overall, providing an excellent combination of affordability and service quality for dog and cat insurance. Pumpkin's rates start at $48 per month for middle-aged dogs and $30 per month for cats, making it the cheaper option across all pet ages. The provider also excels in customer satisfaction with a 4.9 Trustpilot rating and A+ BBB rating. However, Embrace offers more comprehensive coverage options for pet owners who prioritize flexibility over cost savings.
Compare other major pet insurance companies to determine the best choice for your pet:
Embrace vs. Pumpkin Pet Insurance Comparison: FAQ
Compare Embrace and Pumpkin pet insurance through these common questions:
Which is better: Embrace or Pumpkin pet insurance?
Overall, Pumpkin is the better choice for dogs and cats. It costs less nationwide, with up to 39% savings for senior dog coverage, and holds a 4.9 out of 5 Trustpilot score alongside an A+ BBB rating. Embrace, though, covers more ground, with no waiting period for accidents and more flexibility to customize your policy.
Is Embrace cheaper than Pumpkin pet insurance?
Pumpkin is cheaper than Embrace across all pet categories in all 50 states. Middle-aged cats cost $30 per month with Pumpkin versus Embrace's $46 monthly rate. The savings are even greater for middle-aged dogs, with Pumpkin charging $48 per month compared to Embrace's $77 monthly premium.
Does Pumpkin cover pre-existing conditions better than Embrace?
Pumpkin covers curable pre-existing conditions after 180 symptom-free days. Meanwhile Embrace provides coverage for curable conditions after 12 months of being cured and symptom-free.
Which pet insurance has better coverage: Embrace or Pumpkin?
Embrace offers better coverage, ranking 10th nationally compared to Pumpkin's 11th ranking for both pets. Embrace provides more options for customizing your policy, plus immediate coverage for accidents. Its optional wellness plans also come in three tiers with no per-item limits.
Is Embrace or Pumpkin better for older pets?
Pumpkin is better than Embrace for older pets with no upper age limit for enrollment and more affordable monthly premiums. Embrace only covers pets up to age 14 for accident and illness plans, switching to accident-only coverage for pets 15 and older.
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.
sources
- Trustpilot. "Pumpkin Pet Insurance." Accessed March 24, 2026.
- Trustpilot. "Embrace Pet Insurance." Accessed March 24, 2026.
- Better Business Bureau. "Pumpkin Insurance Services Inc." Accessed March 24, 2026.
- Better Business Bureau. "Embrace Pet Insurance." Accessed March 24, 2026.