Trupanion provides better pet insurance than Embrace overall, ranking fifth nationally for cats and sixth for dogs, while Embrace places 14th and 13th, respectively. Whether you're seeking more affordable rates, superior customer service or broader coverage, Trupanion is the ideal option when compared to Embrace.
Embrace vs. Trupanion Pet Insurance
Updated: January 7, 2026
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Embrace vs. Trupanion Pet Insurance: Key Takeaways
Embrace provides more affordable pet insurance rates for most cat and dog age groups, charging $46 monthly for middle-aged cats and $77 for dogs, while Trupanion costs $48 and $88 respectively.
Trupanion provides superior customer service in comparison to Embrace, earning a higher Trustpilot rating (4.4 versus 4.1) due to its direct vet pay feature and responsive customer service.
Trupanion's pet insurance coverage beats Embrace's, featuring the option to pay licensed veterinarians directly at checkout and unique add-ons for breeding and pet owner benefits.
Is Embrace or Trupanion Pet Insurance Better?
| Cat | Affordability | Trupanion | 5 | 14 |
| Dog | Affordability | Trupanion | 6 | 12 |
| Cat | Coverage | Trupanion | 2 | 10 |
| Dog | Coverage | Trupanion | 2 | 10 |
| Cat | Customer Experience | Trupanion | 5 | 6 |
| Dog | Customer Experience | Trupanion | 5 | 6 |
| Cat | Overall Score | Trupanion | 5 | 14 |
| Dog | Overall Score | Trupanion | 6 | 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 Trupanion Comparison by State
Trupanion ranks as the best pet insurance company in all 50 states compared to Embrace for both dogs and cats, based on our comprehensive analysis.
Data filtered by:
Select
| Alabama | Cat | Trupanion |
| Alabama | Dog | Trupanion |
| Alaska | Cat | Trupanion |
| Alaska | Dog | Trupanion |
| Arizona | Cat | Trupanion |
| Arizona | Dog | Trupanion |
| Arkansas | Cat | Trupanion |
| Arkansas | Dog | Trupanion |
| California | Cat | Trupanion |
| California | Dog | Trupanion |
| Colorado | Cat | Trupanion |
| Colorado | Dog | Trupanion |
| Connecticut | Cat | Trupanion |
| Connecticut | Dog | Trupanion |
| Delaware | Cat | Trupanion |
| Delaware | Dog | Trupanion |
| Florida | Cat | Trupanion |
| Florida | Dog | Trupanion |
| Georgia | Cat | Trupanion |
| Georgia | Dog | Trupanion |
| Hawaii | Cat | Trupanion |
| Hawaii | Dog | Trupanion |
| Idaho | Cat | Trupanion |
| Idaho | Dog | Trupanion |
| Illinois | Cat | Trupanion |
| Illinois | Dog | Trupanion |
| Indiana | Cat | Trupanion |
| Indiana | Dog | Trupanion |
| Iowa | Cat | Trupanion |
| Iowa | Dog | Trupanion |
| Kansas | Cat | Trupanion |
| Kansas | Dog | Trupanion |
| Kentucky | Cat | Trupanion |
| Kentucky | Dog | Trupanion |
| Louisiana | Cat | Trupanion |
| Louisiana | Dog | Trupanion |
| Maine | Cat | Trupanion |
| Maine | Dog | Trupanion |
| Maryland | Cat | Trupanion |
| Maryland | Dog | Trupanion |
| Massachusetts | Cat | Trupanion |
| Massachusetts | Dog | Trupanion |
| Michigan | Cat | Trupanion |
| Michigan | Dog | Trupanion |
| Minnesota | Cat | Trupanion |
| Minnesota | Dog | Trupanion |
| Mississippi | Cat | Trupanion |
| Mississippi | Dog | Trupanion |
| Missouri | Cat | Trupanion |
| Missouri | Dog | Trupanion |
| Montana | Cat | Trupanion |
| Montana | Dog | Trupanion |
| Nebraska | Cat | Trupanion |
| Nebraska | Dog | Trupanion |
| Nevada | Cat | Trupanion |
| Nevada | Dog | Trupanion |
| New Hampshire | Cat | Trupanion |
| New Hampshire | Dog | Trupanion |
| New Jersey | Cat | Trupanion |
| New Jersey | Dog | Trupanion |
| New Mexico | Cat | Trupanion |
| New Mexico | Dog | Trupanion |
| New York | Cat | Trupanion |
| New York | Dog | Trupanion |
| North Carolina | Cat | Trupanion |
| North Carolina | Dog | Trupanion |
| North Dakota | Cat | Trupanion |
| North Dakota | Dog | Trupanion |
| Ohio | Cat | Trupanion |
| Ohio | Dog | Trupanion |
| Oklahoma | Cat | Trupanion |
| Oklahoma | Dog | Trupanion |
| Oregon | Cat | Trupanion |
| Oregon | Dog | Trupanion |
| Pennsylvania | Cat | Trupanion |
| Pennsylvania | Dog | Trupanion |
| Rhode Island | Cat | Trupanion |
| Rhode Island | Dog | Trupanion |
| South Carolina | Cat | Trupanion |
| South Carolina | Dog | Trupanion |
| South Dakota | Cat | Trupanion |
| South Dakota | Dog | Trupanion |
| Tennessee | Cat | Trupanion |
| Tennessee | Dog | Trupanion |
| Texas | Cat | Trupanion |
| Texas | Dog | Trupanion |
| Utah | Cat | Trupanion |
| Utah | Dog | Trupanion |
| Vermont | Cat | Trupanion |
| Vermont | Dog | Trupanion |
| Virginia | Cat | Trupanion |
| Virginia | Dog | Trupanion |
| Washington | Cat | Trupanion |
| Washington | Dog | Trupanion |
| West Virginia | Cat | Trupanion |
| West Virginia | Dog | Trupanion |
| Wisconsin | Cat | Trupanion |
| Wisconsin | Dog | Trupanion |
| Wyoming | Cat | Trupanion |
| Wyoming | Dog | Trupanion |
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. Trupanion Pet Insurance Cost
Trupanion offers lower rates for younger cats, while Embrace becomes more affordable as your pet ages. Our pet insurance cost study shows how these two providers compare across different life stages:
- Kittens: Trupanion costs $16 monthly compared to Embrace's $21, saving you 22% on coverage for your newest family member.
- Puppies: Embrace wins with $33 monthly rates against Trupanion's $52, cutting your costs by 37%.
- Young Cats: Your young cat costs $25 per month with Trupanion versus $29 with Embrace, giving you 10% in savings.
- Young Dogs: Embrace charges $44 monthly while Trupanion costs $69, saving you 36% as your dog matures.
- Middle-Aged Cats: Embrace edges out Trupanion at $46 monthly compared to $48, for about 5% difference.
- Middle-Aged Dogs: You'll pay $77 monthly with Embrace versus $88 with Trupanion, saving 13% during your dog's prime years.
- Senior Cats: Embrace costs $98 monthly against Trupanion's $134, providing 28% savings when veterinary bills often increase.
- Senior Dogs: Embrace charges $192 per month compared to Trupanion's $252, saving you 24% during your dog's golden years.
Data filtered by:
Select
| Kittens | Trupanion | $16 | 22% |
| Young Cats | Trupanion | $25 | 10% |
| Puppies | Embrace | $33 | 37% |
| Young Dogs | Embrace | $44 | 36% |
| Middle Aged Cats | Embrace | $46 | 5% |
| Middle Aged Dogs | Embrace | $77 | 13% |
| Senior Cats | Embrace | $98 | 28% |
| Senior Dogs | Embrace | $192 | 24% |
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. Trupanion Pet Insurance Cost by State
Trupanion offers the cheapest pet insurance for kittens and young cats in all 50 states when compared to Embrace, while Embrace provides lower rates nationwide for middle-aged and senior pets, puppies and young dogs.
Data filtered by:
Middle Aged Dogs
| Alabama | Embrace | $57 | 12% |
| Alaska | Embrace | $75 | 13% |
| Arizona | Embrace | $93 | 13% |
| Arkansas | Embrace | $51 | 13% |
| California | Embrace | $97 | 13% |
| Colorado | Embrace | $97 | 13% |
| Connecticut | Embrace | $88 | 13% |
| Delaware | Embrace | $77 | 13% |
| Florida | Embrace | $87 | 13% |
| Georgia | Embrace | $69 | 13% |
| Hawaii | Embrace | $78 | 12% |
| Idaho | Embrace | $77 | 13% |
| Illinois | Embrace | $95 | 14% |
| Indiana | Embrace | $69 | 13% |
| Iowa | Embrace | $65 | 12% |
| Kansas | Embrace | $70 | 13% |
| Kentucky | Embrace | $61 | 12% |
| Louisiana | Embrace | $62 | 13% |
| Maine | Embrace | $93 | 12% |
| Maryland | Embrace | $76 | 12% |
| Massachusetts | Embrace | $99 | 13% |
| Michigan | Embrace | $77 | 13% |
| Minnesota | Embrace | $80 | 13% |
| Mississippi | Embrace | $65 | 12% |
| Missouri | Embrace | $61 | 12% |
| Montana | Embrace | $64 | 12% |
| Nebraska | Embrace | $69 | 13% |
| Nevada | Embrace | $79 | 14% |
| New Hampshire | Embrace | $89 | 13% |
| New Jersey | Embrace | $87 | 13% |
| New Mexico | Embrace | $68 | 13% |
| New York | Embrace | $83 | 13% |
| North Carolina | Embrace | $69 | 12% |
| North Dakota | Embrace | $59 | 13% |
| Ohio | Embrace | $71 | 13% |
| Oklahoma | Embrace | $64 | 13% |
| Oregon | Embrace | $96 | 13% |
| Pennsylvania | Embrace | $80 | 13% |
| Rhode Island | Embrace | $67 | 13% |
| South Carolina | Embrace | $73 | 13% |
| South Dakota | Embrace | $68 | 12% |
| Tennessee | Embrace | $71 | 13% |
| Texas | Embrace | $81 | 14% |
| Utah | Embrace | $73 | 12% |
| Vermont | Embrace | $71 | 13% |
| Virginia | Embrace | $82 | 13% |
| Washington | Embrace | $89 | 12% |
| West Virginia | Embrace | $66 | 13% |
| Wisconsin | Embrace | $82 | 13% |
| Wyoming | Embrace | $71 | 13% |
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. Trupanion Pet Insurance Discounts
Embrace offers two pet insurance discounts, with 10% savings for multiple pets and 5% off for military members. Meanwhile, Trupanion doesn't provide any discount opportunities for pet owners.
Multiple pets | Save 10% automatically when you insure two or more pets with Embrace. | None. |
Military | Get 5% off on pet insurance if you're an active or former member of the U.S. Air Force, Army, Marines, Navy or Coast Guard. | None. |
Embrace vs. Trupanion Pet Insurance Customer Experience
Trupanion's customer service is superior than Embrace's, ranking fifth nationally for both pets in our study, while Embrace lags one spot behind. Both companies hold A+ ratings from the Better Business Bureau, but Trupanion wins against Embrace by obtaining a stronger Trustpilot rating and higher positive sentiment among Reddit users.
Embrace vs Trupanion Trustpilot ratings
Trupanion wins against Embrace with a 4.4 out of 5.0 Trustpilot rating compared to Embrace's 4.1 out of 5.0 score. Reviewers appreciate Trupanion's direct payment to vets and Embrace's user-friendly claims system, though both face criticism for premium increases as pets age.
Embrace vs Trupanion BBB ratings
Trupanion holds an A+ BBB rating, which is in equal grounds with Embrace's A+ rating. This is the highest rating given by the BBB, reflecting each company's commitment to resolving customer complaints, maintaining transparent business practices and upholding BBB standards.
Embrace vs Trupanion Pet Insurance Reddit Sentiment
Our Reddit study shows that Trupanion performs better with 44% positive feedback from 16 total comments, compared to Embrace's 29% positive sentiment from 21 comments. Reddit discussions praise Trupanion's direct payment to vets and responsive customer service, while Embrace users appreciate quick claim processing and knowledgeable representatives. That said, both companies receive complaints from Redditors about claim denials, premium increases and coverage gaps.
Embrace vs. Trupanion Pet Insurance Coverage
Trupanion offers better pet insurance coverage for dogs and cats than Embrace, placing second nationally in our study. While Embrace provides flexibility in customizing your policy, Trupanion outperforms its competitor by offering to pay licensed vets directly at checkout, reducing upfront costs.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $0 to $1,000 (lifetime per-condition) | |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | Unlimited | |
70%, 80%, 90% | 90% | |
Immediate coverage for accidents, 14 days for illnesses, six months for orthopedic conditions | Five days for accidents, 30 days for illnesses in most states. These waiting periods vary for the following:
CA and NH: 30 days for illnesses, no waiting period for accidents | |
Age restrictions | 15-year-old pets and older are limited to accident-only plans | Insures pets below 14 years old |
Pre-existing conditions | Curable conditions may be covered if cured and symptom-free for 12 months | Conditions that developed before enrollment or during the waiting periods are permanently excluded |
Direct vet payment | Doesn't offer to pay licensed veterinarians directly | Offers to pay vets at checkout, as long as the vet has Trupanion's system installed |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. Trupanion Pet Insurance Add-ons
Embrace has two pet insurance add-ons for preventive care and exam fees, while Trupanion forgoes optional wellness plans to focus on covering breeding, rehabilitative and complementary care, and other pet owner benefits.
- Wellness Rewards: Reimburses up to your choice of annual benefit ($300, $500, $700) for routine care including dental cleaning, wellness exams, vaccinations, blood tests, grooming, spay/neuter procedures and microchipping.
- Exam Fees: Provides coverage for vet exam fees related to eligible accidents and illnesses.
- Recovery and Complementary Care: Provides coverage for rehabilitative and complementary therapies like acupuncture, hydrotherapy, chiropractic care, and behavior modification and therapy.
- Pet Owner Assistance Package: Reimburses the cost of advertising and reward for lost pets, third-party property damage liability, boarding, travel or holiday cancellation and end-of-life services.
- Breeding: Covers illnesses and injuries related to breeding, whelping and queening.
Embrace vs. Trupanion Pet Insurance: Bottom Line
When deciding between Trupanion and Embrace for pet insurance, Trupanion is the better choice, outperforming its competitor across affordability, customer service and coverage. Trupanion features unlimited payouts and direct vet payment, along with responsive customer service that earns the company its 4.4 Trustpilot score and A+ BBB rating.
Compare other major pet insurance companies to determine the best choice for your pet:
Embrace vs. Trupanion Pet Insurance Comparison: FAQ
Compare Embrace and Trupanion pet insurance through these common questions:
Is Embrace or Trupanion pet insurance better overall?
Overall, Trupanion offers better pet insurance than Embrace for dogs and cats. Trupanion offers lower rates for kittens and young cats, on top of having superior customer service and coverage that placed it fifth in our national ranking for cats and sixth for dogs.
What are the biggest differences between Embrace and Trupanion pet insurance?
Trupanion offers direct payment to veterinarians to lower upfront costs, which Embrace doesn't have. Trupanion also provides optional add-ons for breeding, rehabilitative care and pet owner benefits such as travel cancellation costs and boarding fees, while Embrace's riders cover preventive care and exam fees. In comparison, Embrace has more options for annual limits, deductibles and reimbursement rates.
Which is cheaper: Embrace vs Trupanion?
Embrace is cheaper than Trupanion across most pet categories, winning in six out of eight age groups nationwide. Middle-aged cats cost $46 monthly with Embrace versus Trupanion's $48. The savings are more significant for middle-aged dogs at $77 monthly compared to Trupanion's $88. Trupanion only beats Embrace for kittens and young cats.
Does Embrace or Trupanion cover pre-existing conditions?
Embrace offers coverage for curable pre-existing conditions after 12 months with no symptoms or treatment. On the other hand, Trupanion permanently excludes any conditions that developed before enrollment or during the waiting period.
Which pet insurance is better for older dogs or cats: Embrace or Trupanion?
Embrace offers better monthly rates for older pets, with senior dog coverage at $192 compared to Trupanion's $252 and senior cat coverage at $98 versus $134. However, Embrace limits 15-year-old pets and older to accident-only plans, while Trupanion only insures pets below 14 during enrollment.
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.