Pet Insurance

Embrace vs Fetch: Which Offers A Better Policy?


Last Updated: April 30, 2024 | 4 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Two Golden Retriever dogs sitting on sidewalk smiling with tongues out off leash

Embrace and Fetch are both big players in the pet insurance industry. You may have heard about Embrace through your insurance carrier if you have Allstate, Geico, or USAA because they sell policies administered by Embrace. Meanwhile, you may have heard of Fetch through Walmart because the company services pet insurance policies purchased via Walmart.

No matter where you’ve heard of them, you’re probably wondering if they’re reputable companies. Do they offer thorough coverage at a reasonable price? Find out which one we rank better and why.

Policy CoverageExtensiveExtensive
Customer Service & ReputationExcellent, StableGood
Claim Processing Average5 Days5-6 Days
Price Of Policy AverageHigherVariable
Plan Customization OptionsManyMany
Overall WinnerBrown checkmark (Yes)
Get Embrace QuoteGet Fetch Quote
 Compare QuotesCompare Quotes

Policy Coverage

Policy Coverage Winner

The table below shows what Embrace and Fetch cover. Note: Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

Illness Waiting Period*14 Days15 Days
Accident Waiting Period*2 Days15 Days
Hip Dysplasia Waiting Period*6 Months6 Months
CCL Surgery Waiting Period*6 Months6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyBrown checkmark (Yes)Brown checkmark (Yes)
Exam FeesBrown checkmark (Yes)Brown checkmark (Yes)
UnderwriterAmerican Modern Property and Casualty Insurance CompanyXL Specialty Insurance Company
AXIS Insurance Company
A.M. Best RatingA+A+

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

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

Embrace and Fetch arguably have some of the best coverage in the pet insurance industry. As you can see, Embrace covers all of the items in the table above and has reasonable waiting periods. Fetch even offers coverage for more unique things like virtual vet visits, advertising and paying a reward for a stolen or lost pet, and more.

You’ll also notice that both companies’ underwriters have A+ A.M. Best ratings, which is a measurement of financial stability.

We’re going to declare Fetch the winner of this category because of the unique items it offers coverage for in addition to more traditional items.

Customer Service & Reputation

Customer Service & Reputation Winner

Most of Embrace’s complaints consist of claims going unpaid or low reimbursement. However, these complaints aren’t entirely fair because many of the reasons for unpaid claims are explained in the policy that the pet parent signed. For example, complaints about orthopedic surgeries not being covered because of the six-month waiting period or a low reimbursement due to the coverage details the policyholder selected.

Unfortunately, this shows us that many policyholders don’t thoroughly read or understand their policy before purchasing it. (We hope to help our readers be more informed when they sign up for a policy.) Embrace’s customer support team has proven very responsive to complaints, and we saw many responses from them in our research.

While the Fetch brand has only been a consumer option since January 2022, the former brand name went through an underwriter change in 2016 that resulted in sharp price increases and upset customers. It’s not uncommon to see price adjustments when an insurance company switches underwriters. The company received a lot of negative backlash with this change. However, it has mostly bounced back since then, and negative reviews have subsided.

Embrace is the winner for this category because of the consistency it’s offered in the pet insurance industry. We’re happy with how Fetch has fared through its rebranding efforts, but it did have more negative feedback during its underwriter change. Because of this, Embrace wins this category.

Claim Processing

Claim Processing Tie

Embrace averages a five-day claim process for accidents and illnesses. This is shorter than many competitors.

Fetch averages 5 to 6 days for claim processing. Previously, it was at 22 days but Fetch put a lot of effort into decreasing its claim processing timeline.

In the end, Embrace and Fetch have similar timelines, which is why this category is a tie.

Price Of Policy

Price Of Policy Winner

Embrace has a one-time fee of $25 and a $1 per month transaction fee if you pay monthly. Fetch has no one-time fees or transaction fees.

Your premium price quote is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. 

Fetch typically came out less expensive than Embrace in the quotes we ran, however, there were instances where Embrace was the more affordable option. Remember that it’s always best to get quotes for your specific dog to compare what pet insurance could cost for you. You can use our pet insurance quote form to get multiple company quotes when you complete this one-quick form.

Both companies have annual deductibles, which is important if your pet experiences multiple accidents or illnesses during the policy period (one year).



Embrace offers the following discounts:

  • 10% off (5% off in NY) for multiple pets 
  • 5% off for military and veterans (NY and TN excluded)
  • 10% off if your company or clinic offers Embrace as an employee benefit (FL, ND, NY, and TN excluded)
  • 5% off in NY if you pay annually
  • Up to 25% off for eligible USAA customers
  • Your deductible automatically goes down $50 each year you don’t receive a claim payment

No promo code is needed. Use this link to take advantage of the best possible price.


Fetch offers the following discounts: 

  • Up to 10% off for animal shelter adoptees and employees, corporate benefit plans, medical services pets, strategic partners, military, veterinary staff, and students
  • 10% off premiums for Walmart shoppers
  • Save $25 or more when you pay quarterly or annually
  • 10% off for AARP members for life

No promo code is needed. Use this link to take advantage of the best possible price. Alternatively, call 800-237-1123.

Plan Customization

Plan Customization Winner

The other significant differences between these two companies are the level of plan customization available and age restrictions.

Annual Payout Options$5,000, $8,000, $10,000, $15,000, unlimited$5,000, $10,000, $15,000
Deductible Options$100, $250, $500, $750, $1,000$300, $500, $700
Reimbursement Options70%, 80%, 90%70%, 80%, 90%
Accident-Only PlanPets enrolled after their 15th birthdayNo x mark
Optional Wellness PlanBrown checkmark (Yes)Brown checkmark (Yes)

If your pet is older than 14, accident-only coverage is the only option available from Embrace. Both companies offer enrollment for pets as young as six weeks old.

Embrace has more deductible and annual payout options to help find a plan that fits your budget and needs.

What’s The Verdict?

Overall, Fetch wins our comparison due to its typically lower prices and unique coverage items. However, Embrace also has a lot to offer with its detailed coverage and stable reputation.

If you didn’t find what you were looking for, our experts dig even deeper into each company in our individual reviews of Embrace and Fetch.

Our experts have spent thousands of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks, along with details on each of the most popular pet insurance companies. So, if you want to know how other providers compare against one another, you may find this review helpful in your pet insurance search.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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