Key Differences
Embrace offers Direct Vet Pay.
Pumpkin has fewer reimbursement rate options than Embrace.
Embrace has a shorter accident waiting period than Pumpkin.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Embrace and Pumpkin offer.
 |
 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
53,681 |
1,569 |
Deductible: |
$100 to $1,000 |
$100, $250, $500, and $1,000 |
Reimbursement: |
70%, 80%, or 90% |
80% or 90% |
Annual Limit: |
$2,000 to Unlimited |
$5,000 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 |
Orthopedic Waiting Period: |
Varies by state |
14 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Available |
Yes |
Direct Vet Pay: |
Available |
No |
Claims Expiration: |
Within 60 days of renewal to the next term |
Within 270 days of treatment |
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
Pumpkin Accident and Illness Coverage
Pumpkin offers accident and illness coverage you can configure your annual coverage limit, deductible, and reimbursement rate to fit your budget and needs.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
80% or 90%
Annual Limit Options
$5,000, $10,000, $20,000, or Unlimited Annual Limit
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Diagnostics
Emergency Care
Hospitalization
Hereditary Conditions
Illnesses
Prescription Pet Food
Prescription Medications
Supplements
Surgery
Tooth extractions
Microchip Implantation
Orthopedic Illnesses
Veterinary Treatment
While this is a general overview, each claim is unique and subject to terms and conditions. For full details please visit pumpkin.care/insurancepolicy.
Optional Wellness Add-On
Pumpkin offers two optional wellness coverage add-ons to their accident and illness plan. You can enroll your cat or dog in an Essential or Premium Plan to be reimbursed up to your yearly limit on select preventative and routine care.
Essential Plan for Dogs
Wellness Exams
Vaccination
Fecal Test
Routine Bloodwork
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Dogs
Everything in the Essential Plan is covered, plus:
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Essential Plan for Cats
Wellness Exams
Vaccinations
Fecal Test
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Cats
Everything in the Essential Plan is covered, plus:
Routine Bloodwork
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Embrace and Pumpkin.
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.
Pumpkin Claims Details
You can use Pumpkin’s website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Offers direct deposit as a reimbursement option
Claims processing times will vary depending on your specific case
Our Embrace vs. Pumpkin Review
Embrace and Pumpkin offer coverage for accidents, illnesses, and various health issues. Both providers offer an optional wellness coverage add-on. Embrace and Pumpkin offer options for deductibles, reimbursement rates, and annual limits. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
