Pets Best Insurance vs. Embrace Pet Insurance

Pets Best and Embrace are two of the leading pet insurance companies today. But as a pet parent, you only want the best protection for your fur baby and more bang for your buck. So how do Pets Best and Embrace measure up? Here’s a look:


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	22,827	60,228
Deductible:	$50 - $1,000	$100 - $1,000
Reimbursement:	70% - 90%	70%, 80%, or 90%
Annual Limit:	$5,000 - Unlimited	$5,000 - Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	3 days*	0 days
Waiting Period for Illnesses:	14 days	14 days
Waiting Period for Orthopedic Coverage:	14 days**	Orthopedic conditions have additional waiting or exclusion periods that vary by state.
Emergency Care:	Included	Included
Accidents:	Included	Included
Illnesses:	Included	Included
Cancer Coverage:	Included	Included
Orthopedic Issues:	Included	Included
Hereditary Conditions:	Included	Included
Chronic Conditions:	Included	Included
Prescription Meds:	Included	Included
Wellness Coverage:	Optional	Optional
Vet Restrictions:	None	None

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Very Similar Options

Pets Best and Embrace Pet Insurance are both excellent options when considering coverage for your dog or cat. Each business is unique, however, they are just about as similar two companies you will find in the market. From a coverage perspective, both companies offer 100% customizable plans and both companies offer optional wellness and preventative care coverage.

Pets Best Review

Pets Best is one of the leading pet insurance providers in the country, founded by no less than the “Father of Pet Insurance” himself, Dr. Jack Stephens, DVM. This company offers $50 – $1,000 deductible, reimbursement of 70%-90% and emergency care.

Waiting Period
All states except Maine:
- Accidents: 3 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 6 months
- Routine Care: 0 days
  Maine Only

- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days

Embrace Review

Embrace Pet Insurance has an excellent track record and enjoys a high overall rating from its customers.

Like most pet insurance companies, Embrace provides reimbursement options of 70%–90%. Emergency care is typically included in their customizable plan, with a 14-day waiting period for illnesses.

Coverage Comparison

Pets Best and Embrace cover common health issues, which range from cancer, genetic conditions, orthopedic problems, and chronic conditions. Both also provide reimbursement for prescription medications and offer preventative care plans.

Pets Best highlight is its three levels of coverage plans, with the Accident Only Plan being the most basic and their Elite Plan is the most comprehensive. Embrace, on the other hand, offers only one simple, yet fully customizable plan to their customers.

Price Comparison

Pets Best is known to have one of the most competitive prices in the market and its customers enjoy lower premiums compared to other pet insurance plans with the same coverage. Embrace’s edge is their personalized plan so customers can pick an option that’s well within their budget. Also, if you’re in the military or you wish to enroll multiple pets, Embrace’s 5% and 10% discounts, respectively, can be such a deal.

Pets Best and Embrace coverage plans may have seemingly similar line items, which makes it even harder to choose between the two providers. To make a wise decision, it’s best to get free quotes from both companies and keep your eye on their different highlights so you choose a plan that’s tailored to your pet’s needs and your budget.

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Pets Best Insurance Enrollment Requirements

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

* 3-day waiting period for accidents in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for accidents is 0 days. See below for further details:

Waiting Periods for Most States:

Accidents: 3 days
Illnesses: 14 days
Cruciate Ligament Conditions: 6 months
Routine Care: 0 days

Waiting Periods for Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington

Accidents: 0 days
Illnesses: 14 days
Cruciate Ligament Conditions: 30 days
Routine Care: 0 days

Waiting Periods for North Dakota Only

Accidents: 3 days
Illnesses: 14 days
Cruciate Ligament Conditions: 30 days
Routine Care: 0 days

** 6-month waiting period for cruciate ligaments in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for cruciate ligaments is 30 days.

Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment

Embrace Pet Insurance Enrollment Requirements

There is a $25 enrollment fee.
The maximum enrollment age for full accident and illness coverage is 14 years old.
Pets older than 15 are eligible for an accident-only policy.
The minimum age for enrollment is six weeks.
Pets must be examined by a licensed veterinarian 12 months before the policy start date. If there is no noted exam before the policy start date, an exam is required within the first 14 days of the policy.
Pet parents can cancel policies immediately over the phone with no penalty.
Claims must be submitted within the policy year plus 60 days.

Other Provisions

There is a defined appeal process for claims.
Reimbursement method: direct deposit or check.
Prescription medications are included with all accident and illness policies.
There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state

*Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.