Embrace delivers better pet insurance coverage than Pumpkin for both dogs and cats, ranking tenth nationally compared to Pumpkin's eleventh place. Both providers offer similar deductible options and annual coverage limits, but Embrace provides shorter accident waiting periods and more flexible coverage adjustment policies that allow pet owners to modify their plans within the first two weeks of enrollment.
Embrace vs. Pumpkin Pet Insurance
Updated: November 3, 2025
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Embrace vs. Pumpkin Pet Insurance: Key Takeaways
Pumpkin provides more affordable pet insurance rates than Embrace, charging $30 monthly for middle-aged cats and $48 for dogs, while Embrace costs $46 and $77 respectively.
Pumpkin ranks third nationally in customer experience for both cats and dogs, supported by its impressive 4.8 out of 5.0 Trustpilot rating, compared to Embrace's 4.1 stars.
Embrace ranks tenth nationwide for coverage while Pumpkin follows closely at eleventh place, with both providers offering comprehensive accident coverage and wellness add-on options.
Is Embrace or Pumpkin Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Pumpkin | 3 | 12 |
| Coverage | Embrace | 10 | 11 |
| Customer Experience | Pumpkin | 3 | 6 |
| Overall Score | Pumpkin | 7 | 13 |
Embrace and Pumpkin Comparison by State
Pumpkin is the best pet insurance company in 16 states for cats and leads in 6 states for dogs. For dog coverage, Pumpkin ranks first in Alaska, Delaware, Maryland, Montana, North Dakota and South Dakota.
Data filtered by:
Overall Score
Dog
| Alabama | Pumpkin | 6 | 6 |
| Alaska | Pumpkin | 5 | 7 |
| Arizona | Pumpkin | 8 | 4 |
| Arkansas | Pumpkin | 6 | 5 |
| California | Pumpkin | 8 | 6 |
| Colorado | Pumpkin | 7 | 7 |
| Connecticut | Pumpkin | 6 | 7 |
| Delaware | Pumpkin | 5 | 8 |
| Florida | Pumpkin | 6 | 6 |
| Georgia | Pumpkin | 8 | 6 |
| Hawaii | Pumpkin | 7 | 7 |
| Idaho | Pumpkin | 7 | 4 |
| Illinois | Pumpkin | 7 | 4 |
| Indiana | Pumpkin | 7 | 6 |
| Iowa | Pumpkin | 8 | 5 |
| Kansas | Pumpkin | 7 | 5 |
| Kentucky | Pumpkin | 6 | 6 |
| Louisiana | Pumpkin | 6 | 7 |
| Maine | Pumpkin | 6 | 7 |
| Maryland | Pumpkin | 5 | 8 |
| Massachusetts | Pumpkin | 7 | 7 |
| Michigan | Pumpkin | 7 | 5 |
| Minnesota | Pumpkin | 8 | 6 |
| Mississippi | Pumpkin | 7 | 5 |
| Missouri | Pumpkin | 7 | 6 |
| Montana | Pumpkin | 5 | 7 |
| Nebraska | Pumpkin | 7 | 4 |
| Nevada | Pumpkin | 6 | 5 |
| New Hampshire | Pumpkin | 8 | 6 |
| New Jersey | Pumpkin | 8 | 5 |
| New Mexico | Pumpkin | 7 | 5 |
| New York | Pumpkin | 6 | 7 |
| North Carolina | Pumpkin | 7 | 7 |
| North Dakota | Pumpkin | 5 | 7 |
| Ohio | Pumpkin | 6 | 8 |
| Oklahoma | Pumpkin | 7 | 5 |
| Oregon | Pumpkin | 7 | 7 |
| Pennsylvania | Pumpkin | 7 | 5 |
| Rhode Island | Pumpkin | 6 | 7 |
| South Carolina | Pumpkin | 6 | 6 |
| South Dakota | Pumpkin | 5 | 8 |
| Tennessee | Pumpkin | 6 | 5 |
| Texas | Pumpkin | 7 | 5 |
| Utah | Pumpkin | 6 | 8 |
| Vermont | Pumpkin | 6 | 7 |
| Virginia | Pumpkin | 7 | 7 |
| Washington | Pumpkin | 7 | 6 |
| West Virginia | Pumpkin | 8 | 4 |
| Wisconsin | Pumpkin | 7 | 6 |
| Wyoming | Pumpkin | 8 | 4 |
Embrace vs. Pumpkin Pet Insurance Cost
Pumpkin offers more affordable pet insurance than Embrace across all age groups for both cats and dogs. For middle-aged dogs, Pumpkin costs $48 per month compared with Embrace's $77. Middle-aged cats cost $30 with Pumpkin versus $46 with Embrace.
See how much pet insurance costs across different age categories.
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% |
Embrace vs. Pumpkin Pet Insurance Cost by State
Pumpkin offers the cheapest pet insurance across all 50 states, consistently beating Embrace in every category. Pumpkin provides lower rates for middle-aged dogs and cats, along with puppies, kittens, young pets and senior animals nationwide.
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% |
Embrace vs. Pumpkin Pet Insurance Discounts
Both Embrace and Pumpkin make pet insurance more affordable with multi-pet savings and flexible policy options. Embrace offers slightly more ways to save, while Pumpkin keeps its discount structure simple and straightforward.
Save 10% when you enroll two or more pets under one Pumpkin policy. | Save 10% automatically when you insure multiple pets under one Embrace policy. | |
Bundling | None | None |
Annual Pay-In Full | May be available depending on your state and plan selection. | May be available depending on your state and plan selection. |
Association/Club Member | None | Active and former U.S. military members receive a 5% discount in most states. |
Employer Group | None | None |
Embrace vs. Pumpkin Pet Insurance Customer Experience
Pumpkin delivers better customer experience than Embrace, ranking third nationally for both dogs and cats compared to Embrace's ninth-place finish. Both providers maintain A+ BBB ratings, but Pumpkin's stronger performance shows in its higher Trustpilot reviews and consistent customer satisfaction across our analysis.
Embrace vs Pumpkin Trustpilot ratings
Pumpkin earns a significantly higher Trustpilot rating at 4.8 out of 5.0 compared to Embrace's 4.1 out of 5.0. These verified customer reviews suggest Pumpkin delivers more consistent satisfaction across digital experience and customer service interactions.
Embrace vs Pumpkin BBB ratings
Both Embrace and Pumpkin maintain A+ BBB ratings with full accreditation, indicating strong complaint resolution and transparent business practices. Pumpkin also holds A+ accredited status, showing both companies meet BBB standards for trustworthiness and ethical operations.
Embrace vs Pumpkin Reddit sentiment
Reddit sentiment analysis reveals a stark difference between the providers. Pumpkin achieved 79% positive sentiment from 14 total comments (11 positive, 3 negative), while Embrace received only 29% positive feedback from 21 comments (6 positive, 15 negative). This data suggests Pumpkin generates more favorable customer discussions in online communities.
Embrace vs. Pumpkin Pet Insurance Coverage
Embrace offers more customization in annual limits and optional wellness coverage, while Pumpkin provides broader base coverage for preventive care. Both companies cover a wide range of illnesses and injuries, making them strong options for comprehensive pet insurance coverage.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ (available under Wellness Rewards) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $1,000 | $200, $300, $500, $750, $1,000 | |
$10,000, $20,000, or Unlimited | $5,000, $10,000, $15,000, $30,000, or Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
14 days for accidents and illnesses | 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions | |
Age restrictions | No upper age limit for accident and illness plans | No upper age limit for accident and illness plans |
Curable conditions covered after 180 symptom-free days | Curable conditions covered after 12 months symptom-free | |
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
Both providers offer optional wellness coverage that helps pay for preventive care, annual exams, and common routine expenses.
Embrace Pet Insurance Add-ons
Embrace offers one add-on plan:
• Wellness Rewards: This plan reimburses you for routine preventive care that keeps your pet healthy year-round. Coverage includes annual vet exams, vaccines, dental cleanings, and spay/neuter procedures. The plan also covers heartworm prevention, flea and tick prevention, and routine blood work with an annual benefit limit of $650.
Pumpkin Pet Insurance Add-ons
Pumpkin offers two add-on plans:
- Preventive Essentials package: Covers routine exams, core vaccines, blood tests, and parasite screening to help maintain your pet’s long-term health.
- Base plan benefits: Pumpkin’s core policy already includes coverage for exam fees, alternative therapies, and prescription food for covered conditions, so fewer add-ons are needed.
Embrace vs. Pumpkin Pet Insurance: Bottom Line
Pumpkin beats Embrace overall, delivering better affordability and customer service. Pumpkin's rates start at $48 per month for middle-aged dogs and $30 for cats, making it the cheaper option across all pet ages. The provider also excels in customer satisfaction with a 4.8 Trustpilot rating and A+ BBB rating. However, Embrace offers more comprehensive coverage options for pet owners who prioritize extensive benefits over cost savings.
Embrace vs. Pumpkin Pet Insurance Comparison: FAQ
Compare Embrace and Pumpkin pet insurance through these common questions:
Which is cheaper: Embrace vs 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.
Which has better customer service: Embrace vs Pumpkin pet insurance?
Pumpkin delivers superior customer service, ranking third nationally for customer experience while Embrace trails significantly behind. Pumpkin achieves an impressive 4.8 out of 5.0 Trustpilot score alongside an A+ BBB rating, whereas Embrace holds a 4.1 Trustpilot rating with an A+ BBB grade.
Which offers better coverage: Embrace vs Pumpkin pet insurance?
Embrace offers better coverage, ranking 10th nationally compared to Pumpkin's 11th-place ranking for both cats and dogs. Embrace provides extensive add-on options including behavioral therapy, dental illness coverage, prescription drug coverage, and end-of-life care. Pumpkin focuses primarily on wellness plans as extras. Both cover standard needs like diagnostics, surgeries, and chronic conditions, but Embrace's broader selection of optional add-ons gives pet owners more customization flexibility.
Can I switch from Embrace vs Pumpkin pet insurance or vice versa?
Yes, you can switch between Embrace and Pumpkin pet insurance at any time by canceling your current policy and purchasing a new one. However, new waiting periods will apply: 14 days for illnesses and 6 months for orthopedic conditions with Embrace, while Pumpkin has 14-day illness and 6-month orthopedic waiting periods. Pre-existing conditions won't transfer coverage.
Does Embrace vs Pumpkin cover pre-existing conditions?
Both Embrace and Pumpkin exclude pre-existing conditions from coverage initially. However, both companies may cover curable pre-existing conditions after your pet remains symptom-free for a specific period. Embrace typically requires 12 consecutive months without symptoms, while Pumpkin also follows a 12-month waiting period for curable conditions to potentially qualify for future coverage.
Can I get discounts with both Embrace vs Pumpkin pet insurance?
Yes, both Embrace and Pumpkin offer discounts to help reduce premium costs. Embrace provides multiple discount options, including 5% off for annual payments, 10% for multiple pets, and savings through employer group benefits. Pumpkin offers fewer discount types but includes multi-pet savings and promotional offers for new customers.
What are the age limits for Embrace vs Pumpkin pet insurance?
Embrace accepts pets of any age with no maximum enrollment limits, making it suitable for senior animals. Pumpkin restricts enrollment for older pets, typically setting age limits around 14 years for dogs and cats. This difference makes Embrace the better option for owners with aging pets seeking comprehensive coverage.
How We Scored Embrace vs. Pumpkin Pet Insurance
Our analysis of Embrace vs Pumpkin pet insurance involved gathering quotes and policy details using identical coverage scenarios. We evaluated both providers with the same pet profiles and standardized policy settings 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 evaluated each provider using three key factors weighted by their importance to pet owners.
Affordability (50% of score): We collected pricing data across multiple pet ages and coverage options to assess typical monthly costs, including available discounts that affect actual premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to evaluate satisfaction levels with claims processing and customer support services.
Coverage (20% of score): We examined policy features including waiting periods, available add-ons and overall protection scope to determine comprehensive coverage value.
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.