Trupanion outranks Embrace in MoneyGeek's national pet insurance rankings, placing fifth for cats and sixth for dogs. Embrace lands 14th for cats and 13th for dogs. For pet owners who want stronger customer service and broader coverage, Trupanion is the better pick. Embrace makes more sense if keeping monthly costs low is the priority.
Embrace vs. Trupanion Pet Insurance
Updated: March 16, 2026
Advertising & Editorial Disclosure
Embrace vs. Trupanion Pet Insurance: Key Takeaways
Embrace charges less for most cat and dog age groups, with monthly rates of $46 for middle-aged cats and $77 for dogs. Trupanion runs $48 and $88 for the same profiles.
Trupanion outperforms Embrace in customer service, earning a higher Trustpilot rating of 4.4 compared to 4, helped by its direct vet pay option and responsive support team.
Trupanion also wins on coverage depth. It pays licensed veterinarians directly at the time of treatment and includes add-ons for breeding coverage and pet owner benefits that Embrace doesn't offer.
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 are based on average pricing and experiences for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, using a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Explore top pet insurance options tailored to different needs and 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 costs less for younger cats, but Embrace gets cheaper as your cat gets older. Our pet insurance cost study breaks down how both providers compare across life stages:
- Kittens: Trupanion charges $16 monthly versus Embrace's $21, a 22% difference.
- Puppies: Embrace is cheaper at $33 monthly compared to Trupanion's $52, cutting costs by 37%.
- Young Cats: Trupanion runs $25 per month versus $29 with Embrace, a 10% gap.
- Young Dogs: Embrace charges $44 monthly while Trupanion runs $69, a 36% difference.
- Middle-Aged Cats: Embrace comes in at $46 monthly versus Trupanion's $48, about a 5% gap.
- Middle-Aged Dogs: Embrace runs $77 monthly against Trupanion's $88, a 13% difference.
- Senior Cats: Embrace charges $98 monthly versus Trupanion's $134, a 28% gap that matters more as vet bills climb.
- Senior Dogs: Embrace runs $192 per month compared to Trupanion's $252, a 24% difference in your dog's later 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, including 10% off for insuring multiple pets and 5% off for military members. Trupanion doesn't advertise discount options for pet owners.
Multiple pets | Insure two or more pets with Embrace and you'll automatically get 10% off. | None. |
Military | Active and former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard get 5% off pet insurance. | None. |
Embrace vs. Trupanion Pet Insurance Customer Experience
Trupanion edges out Embrace on customer service, ranking fifth nationally for both pets in our study while Embrace sits one spot behind. Both companies hold A+ ratings from the Better Business Bureau, but Trupanion pulls ahead with a stronger Trustpilot rating and more positive sentiment among Reddit users.
Embrace vs Trupanion Trustpilot ratings
Trupanion wins against Embrace with a 4.4 out of 5 Trustpilot rating compared to Embrace's 4 out of 5 score. Reviewers appreciate Trupanion's direct payment to vets and Embrace's user-friendly claims system, though both draw 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 ranks second nationally for pet insurance coverage in our study, ahead of Embrace. Embrace lets you customize your policy, but Trupanion goes further by paying licensed vets directly at checkout, so you don't have to cover costs upfront and wait for reimbursement.
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% | |
Accidents are covered immediately, illnesses after 14 days and orthopedic conditions after six months | 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 | Pets 15 years and older are limited to accident-only plans | Insures pets below 14 years old |
Pre-existing conditions | Curable conditions can be covered after 12 months without symptoms or treatment | Conditions that started before enrollment or during waiting periods are permanently excluded from coverage |
Direct vet payment | Doesn't pay licensed veterinarians directly at checkout | Pays vets directly at checkout if 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: Covers rehabilitative therapies including acupuncture, hydrotherapy, chiropractic care and behavior modification.
- Pet Owner Assistance Package: Reimburses costs for lost pet advertising and rewards, third-party property damage liability, boarding, travel 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. It charges less for kittens and young cats, earns stronger customer service scores and provides broader coverage, placing 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 gap is larger for middle-aged dogs at $77 monthly compared to Trupanion's $88, a 13% difference. 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.
sources
- Trustpilot. "Trupanion." Accessed March 28, 2026.
- Trustpilot. "Embrace Pet Insurance." Accessed March 28, 2026.
- Better Business Bureau. "Trupanion." Accessed March 28, 2026.
- Better Business Bureau. "Embrace Pet Insurance." Accessed March 28, 2026.