Key Differences
Prudent Pet does not have a claims submission app.
Embrace’s window to file a claim is 60 days after the next policy renewal date. Prudent Pet’s is 90 days after the end of the policy term.
Prudent Pet has limited dental coverage.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Embrace and Prudent Pet offer.
 |
 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
60,128 |
2,171 |
Deductible: |
$100 to $1,000 |
$100, $250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$2,000 to Unlimited |
$2,500, $5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
5 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
Varies by state |
6 months, optional waiting period waiver |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Available |
Optional |
Direct Vet Pay: |
Available |
Yes, on a case-by-case basis |
Claims Expiration: |
Within 60 days of renewal to the next term |
90 days after the end of the policy period |
Claims Submission App: |
Yes |
No |
Embrace Accident and Illness Coverage
Embrace offers accident and illness coverage for dogs and cats. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, $500, $750, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,000, $5,000, $10,000, $15,000, $30,000 or Unlimited Annual Limit
What's Covered
Accidents
Breed-specific conditions
Congenital conditions
Chronic conditions
Dental illnesses
Diagnostics
Emergency care
Genetic conditions
Hospitalization
Illnesses
Orthopedic conditions
Prescription medication
Specialist care
Surgery
X-rays
Optional Wellness Rewards
Embrace also offers a non-insurance, optional add-on benefit called Wellness Rewards. Pet parents are reimbursed 100% up to the selected annual allowance. There are three annual allowances: $300, $500, and $700. You can use this wellness allowance for any of the eligible items, including:
Routine exams and vaccinations
Flea, tick, and heartworm medications
Preventative surgery, such as spaying, neutering, and gastropexy
Prescription diet food
Grooming and training
Prudent Pet Accident and Illness Coverage
Prudent Pet offers two accident and illness plans: Essential and Ultimate. You can configure the deductible and reimbursement rate for the plan you select to fit your needs and budget.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $10,000, or Unlimited
What's Covered
Here is what is covered in each plan that Prudent Pet offers.
Essential Plan
The Essential accident and illness plan offers a $10,000 annual limit which cannot be configured. You can adjust the deductible and reimbursement rate to your preference.
Alternative Therapies (Vet-Prescribed)
Behavioral Disorders
Bite Wounds
Broken Bones
Cancer & Growths
Cancer Treatments
Congenital (Birth) Defects or Abnormalities
Digestive Illness
Eye, Ear, Skin Conditions
Emergencies
Hereditary Conditions
Hip Dysplasia
Hospitalizations
Injuries to Teeth or Mouth
Prescription Meds
Radiology & Diagnostic Tests
Surgery & Specialized Care
Swallowed Objects
Urinary Infections
Ultimate Plan
The Ultimate accident and illness plan offers an unlimited annual limit that cannot be configured. You can adjust the deductible and reimbursement rate to your preference. This plan covers everything that is in the Essential plan, plus:
Advertising & Reward
Boarding Kennel & Cattery Fees
Loss Due to Theft or Stray
Mortality Benefit
Vacation Cancellation
Optional Coverage Add-Ons
Vet Exam Fee
Wellness Coverage
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Embrace and Prudent Pet.
Embrace Claims Details
You can use Embrace’s website or app to submit your claims directly. Alternatively, you can also fax, mail, or email your claim form with the invoice(s) within 60 days of renewal to the next term.
Direct deposit option for receiving reimbursements
Trackable claim status using the app
Claims are processed in 10-15 business days
View an Embrace Pet Insurance sample policy.
Prudent Pet Claims Details
Prudent Pet has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with invoice(s) no later than 90 days after the end of the policy period. Prudent Pet also offers vet direct pay on a case-by-case basis.
Direct deposit option for receiving reimbursements
Convenient claim submission on desktop or mobile through a customer portal
75% of claims are processed and reimbursed within 24 hours
Our Embrace vs. Prudent Pet Review
Embrace and Prudent Pet offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both insurers also offer optional wellness coverage add-ons to their base plans. You can configure plans based on your pet's needs and budget with Embrace and Prudent Pet. There are some differences in customization to note, like the deductible and annual limit options. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
