Embrace vs Trupanion: Are They Worth The Higher Price?

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

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Two dogs laying on bed (caption: Embrace vs Trupanion)

Embrace and Trupanion are two of the big players in the pet insurance industry, but they commonly carry higher premiums as well. Do big brand reputations and prices make them the ultimate options for your needs?

We compare these two companies head-to-head to help you see their similarities and differences.

Visit Embrace’s Website | Visit Trupanion’s Website

EmbraceTrupanion
Policy CoverageExtensiveMore Limited
Customer Service & ReputationExcellent, StableExcellent, Stable
Claim Processing Average5 Days2 Days
Price Of PolicyHigher On AverageHigher On Average
Plan CustomizationsMany OptionsVery Limited
Overall WinnerBrown checkmark (Yes)Orange X (No or Not)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows specifically what Embrace and Trupanion 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.

TrupanionEmbrace
Illness Waiting Period30 Days14 Days
Accident Waiting Period5 Days2 Days
Hip Dysplasia Waiting Period30 Days6 Months
CCL Surgery Waiting Period30 Days6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyExtra FeeBrown checkmark (Yes)
Wellness Care For An Extra FeeOrange X (No or Not)Brown checkmark (Yes)
Exam FeesOrange X (No or Not)Brown checkmark (Yes)
UnderwriterAmerican Pet Insurance CompanyAmerican Modern Property and Casualty Insurance Company
A.M. Best RatingUnratedA+

Waiting periods are a big factor to consider for pet insurance. The shorter the waiting periods, the faster your pet’s coverage kicks in. The average waiting periods for illness is 14 days and accident is 1-5 days. It’s also common for some companies to place additional waiting periods for ligament and hip-related conditions, such as cranial crucial ligament (CCL) injuries and hip dysplasia. On average, their respective waiting periods are six months.

Trupanion has a longer waiting period for illnesses and accidents compared to Embrace, but its hip dysplasia and CCL surgery waiting period is drastically shorter.

A perk with Trupanion is that it doesn’t list any bilateral exclusions for CCL injuries. Most other pet insurance companies we review exclude CCL injuries if one leg has experienced pre-existing issues. This makes Trupanion a good option for those breeds who are prone to knee issues or dogs that have pre-existing conditions because it’s more likely to cover a second, currently healthy knee than its competitors. However, it’s always important to carefully read your contract because the sample policies we’ve examined may be different from yours.

If you’re searching for a pet insurance policy to add a preventative care plan to, Embrace may be a good option for you. Trupanion doesn’t offer a wellness plan.

The biggest concern with Trupanion is that its 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.

Depending on your specific needs, you may see one of the two companies as a better fit than the other. But we give Embrace a slight edge in this category because it covers exam fees, includes alternative/holistic therapy for no extra fee, and offers wellness care, while Trupanion does not.

Embrace logo

Policy Coverage Winner: Embrace

Customer Service & Reputation

Person holding phone next to dog: Customer Service & Reputation Winner

Unfortunately, finding negative reviews for Embrace and Trupanion isn’t too difficult. However, both have vast customer bases and it’s more common for people to post poor reviews when disappointed than kudos when they’re satisfied.

According to feedback from our readers and many online reviews, there are frequent complaints about each company, including long claim processing time, classifying items as pre-existing, denial of claims, premium increases, and more. You can also find good reviews for each of these providers. So, this category is a toss-up, depending on your priorities.

Embrace & Trupanion logos

Customer Service & Reputation Winner: Embrace & Trupanion (Tie)

Claim Processing

Doctor's office papers: Timeliness Of Claim Repayment

For claim processing, Embrace averages five days for accidents and illnesses. Meanwhile, Trupanion averages only two days. Both of these wait times are in line with the competition.

You may be able to have Trupanion pay your vet directly, so you don’t have to pay a hefty vet bill in advance while you wait for reimbursement. But this isn’t available everywhere, so check with your vet first to see if Trupanion’s Vet Direct Pay is an option for you.

Since Trupanion has a shorter claim repayment period and it has the possibility to pay your vet directly, it’s the category winner.

Claim Processing Winner: Trupanion

Price Of Policy

Embrace has a $25 enrollment fee and a $1 transaction fee, while Trupanion requires a one-time enrollment fee of either $0, $25, or $35 (depending on your state), but charges no monthly transaction fees. But both companies offer 30-day money-back guarantees.

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.

Trupanion was often among the most expensive compared to competitors. Embrace was all over the board with its pricing. 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. To see more quote examples, take a look at our pet insurance comparison page.

Dog laying next to money: (text in image: pricing winner)

Additionally, Embrace has an annual deductible, whereas Trupanion’s deductible is per-condition and lifetime. An annual deductible is important if your pet experiences multiple accidents or illnesses during the policy period (one year). However, if your dog is subject to chronic conditions, like allergies, hip dysplasia, cancer, urinary tract infections, etc., then Trupanion’s per-condition deductible for the life of your pet may be a better choice.

Embrace logo

Price Of Policy Winner: Embrace

Coupons

Embrace

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. You can also visit our dedicated Embrace promotions page to learn more.

Trupanion

Use this link to take advantage of the best possible price and get a quote for your pet from Trupanion. You can also visit our dedicated Trupanion promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

Embrace has fully customizable plans. You can choose the annual payout limit ($5,000, $8,000, $10,000, $15,000, or $30,000) online. You can also get an unlimited payout limit, but you must call in for this as an option, which is a little frustrating since other companies that offer this option do so online. Annual deductibles can be $200, $300, $500, $750, or $1,000, and reimbursement is 70%, 80%, or 90%. So depending on your budget, you have some wiggle room to adjust the limits for each to help fit your needs.

On the other hand, Trupanion offers one plan for all insured pets with unlimited payout limits with 90% reimbursement. It also has a per-incident deductible (you can choose from $0 to $1,000), which means each emergency will have its own deductible. This could result in more expenses for you.

All of this being said, Trupanion plans have fewer options, making their policies less customizable, yet easier to understand. So, depending on how complicated you want your insurance to be, you might make a different choice than someone else with a different comfort level.

Embrace logo

Plan Customization Winner: Embrace

What’s The Verdict?

Both Embrace and Trupanion offer unique options for pet parents. If your dog has pre-existing conditions, Trupanion may be a better option if you want a condition or disease covered that can affect both sides of the body but has only presented itself on one side to date. If that’s not the case, then Embrace may be appealing since it has more pricing options and a more stable reputation.

If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Embrace and Trupanion so you can expand your comparison.

Embrace logo

Overall Winner: Embrace

Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details on each of the most popular pet insurance companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.

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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.

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.

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