Pet Insurance

Embrace vs Pets Best: Compare Price, Coverage, Customer Service & More


Last Updated: April 30, 2024 | 5 min read | 2 Comments

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

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Two small Terrier mixes with spots running through grass with blue skies off leash one has tongue out both looking happy

Perhaps you’ve heard of pet insurance through Allstate, Geico, or USAA because they sell pet insurance policies administered by Embrace. However, is Embrace the company you should choose?

A Google search may have shown you other pet insurance options, like Pets Best.

Which company is a better fit for your dog? Find out in our Embrace vs Pets Best comparison where we discuss coverage, customer service and reputation, claim processing, customizations, and pricing.

EmbracePets Best
Policy CoverageExtensiveExtensive
Customer Service & ReputationExcellent, StableGood
Claim Processing Average5 Days18-30 Days
Price Of PolicyHigherAverage
Plan CustomizationsManyMany
Overall WinnerBrown checkmark (Yes)
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Policy Coverage

Policy Coverage Tie

The table below shows what Embrace and Pets Best cover. 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.

EmbracePets Best
Illness Waiting Period*14 Days14 Days
Accident Waiting Period*2 Days3 Days
Hip Dysplasia Waiting Period*6 Months14 Days
CCL Surgery Waiting Period*6 Months6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyBrown checkmark (Yes)
Wellness Care For An Extra FeeBrown checkmark (Yes)Brown checkmark (Yes)
Exam FeesBrown checkmark (Yes)Extra Fee
UnderwriterAmerican Modern Property and Casualty Insurance CompanyAmerican Pet Insurance Company
Independence American Insurance Company (IAIC) (CA only)
A.M. Best RatingA+Unrated

*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 Pets Best 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. While Pets Best doesn’t offer alternative/holistic therapy coverage, it provides more affordable coverage (more on this in the price section below).

The biggest concern with Pets Best is that its primary underwriter is unrated by A.M. Best (a measurement of financial stability), which means it’s considered higher risk than a company like Embrace, whose underwriter has an A+ rating from A.M. Best.

For Embrace, the biggest concern is that it doesn’t cover illnesses for pets enrolled after their 14th birthday (however, if the pet is enrolled before turning 14, full coverage will continue as long as you pay your premium). Pets Best has no upper age restrictions for its policies.

As you can see, there are many factors to consider, and what you deem most important may differ from others, which is why we’ve classified this category as a tie.

Customer Service & Reputation

Customer Service & Reputation Winner

Most of Embrace’s complaints from customers involve claims going unpaid. However, pet parents fail to read their policy in full, so they’re unaware of waiting periods or other exclusions. This is why you should read your pet insurance policy entirely, so you understand what is and isn’t covered, ideally before you buy it.

As for Pets Best, the company has gone through a lot since the COVID-19 pandemic began. Thanks to its thorough coverage and lower prices, it saw a massive uptick in policy purchases. However, this meant more claims were filed, and there wasn’t enough staff to help resolve claims. As a result, complaints flooded the company for poor customer service and long claim processing times. Unfortunately, Pets Best is still trying to recover.

We’ve been in close contact with Pets Best and have been told repeatedly that they’re continuing to hire and train more help. Unfortunately, like many businesses, Pets Best struggles to find qualified applicants. For now, Embrace wins with a better customer service reputation.

Claim Processing

Claim Processing Winner

Embrace averages five days for claim processing for accidents and illnesses. This is shorter than many pet insurance competitors.

Pets Best averages 18-30 days for claim processing. This is considered longer than most competitors. However, you may be able to have Pets Best pay your vet directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement, but this isn’t available everywhere, so check with your vet to see if this is an option for you. Embrace doesn’t offer a direct payment option to vets.

Because Embrace has a much shorter claim processing period and is more consistent with its processing, it’s the winner of this category. However, you may be able to avoid claim processing altogether if your vet can receive direct payments from Pets Best.

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. Pets Best has no enrollment fees and a $2 per month transaction fee.

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. Then use our pet insurance quote form to see how other top companies compare for your beloved pet.

Pets Best typically came out less expensive than Embrace in the quotes we ran. However, 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

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

Pets Best

Pets Best offers the following discounts:

  • 5% off for multiple pets 
  • 5% off for military members and their families

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

Plan Customization

Plan Customization Winner

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

EmbracePets Best
Annual Payout Options$5,000, $8,000, $10,000, $15,000, unlimited$5,000, unlimited
Deductible Options$100, $250, $500, $750, $1,000$50, $100, $200, $250, $500, $1,000
Reimbursement Options70%, 80%, 90%70%, 80%, 90%
Accident-Only PlanPets enrolled after their 15th birthdaycheckmark

If your pet is 15 or older at enrollment, accident-only coverage is the only option available from Embrace. Pets Best offers accident and illness plans as well as accident-only plans to pets at any age at enrollment. Because of Embrace’s restriction with its accident and illness plans, Pets Best wins here.

What’s The Verdict?

Overall Winner

Overall, Pets Best wins this comparison against Embrace due to its thorough coverage, unlimited payout options, and lower pricing. However, if you want a company with faster claim processing and a better customer service reputation, you may want to consider Embrace at the current time.

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 Pets Best.

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.

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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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