Embrace vs Trupanion: Are They Worth The Higher Price?

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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 reputation and prices make them the ultimate options for your consideration?

We compare these two companies head-to-head to help you see their similarities and differences. And if you’re not 100% sold on one of them, we also have additional options for you to review.

Visit Embrace’s Website | Visit Trupanion’s Website

TRUPANION FLORIDA RESIDENTS: The plan reviewed here is not available for new customers in Florida. Contact Trupanion to learn more about what is available in your state and read the policy carefully for details.

Policy Coverage

The table below shows specifically what Embrace and Trupanion cover. Both companies cover x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, euthanasia, behavioral therapy, non-routine dental treatment, heredity conditions, and congenital conditions.

 EmbraceTrupanion
Overall Ranking in our Pet Insurance ComparisonNot RankedNot Ranked
Pre-existing Conditions
Preventative Care Available For An Extra FeeCheckmark
Illnesses Waiting Period14 Days30 Days
Accidents Waiting Period2 Days5 Days
Hip Dysplasia Waiting Period6 Months30 Days
ACL Surgery Waiting Period6 Months30 Days
Enrollment Fee$25$35 ($25 in WA and $0 in MD and MI)
30-Day Money Back Guarantee30-Day Free Look Period30-Day Certificate
Claim Limits$5,000 to unlimitedUnlimited
BBB RatingA+A-
UnderwriterAmerican Modern Insurance GroupAmerican Pet Insurance Company
A.M. Best RatingA+Unrated
No Exam Required to Set Baseline for Pet's HealthCheckmark

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

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

As for waiting periods, Trupanion’s is 30 days for ACL surgery and hip dysplasia, while Embrace’s is 6 months. However, Embrace has only a 14-day waiting period for illnesses and two days for accidents, whereas Trupanion is 30 days for illnesses and five days for accidents.

Depending on your needs, you may see one of the two companies as a better fit than the other. That’s why we’ve declared it a tie for overall policy coverage.

Embrace & Trupanion logos

Policy Coverage Winner: Embrace & Trupanion (Tie)

Customer Service & Reputation

One thing we consider for each pet insurance company is the underwriters’ A.M. Best rating. This can give you some insight into the financial stability of the company. The higher the letter grade, the better. Embrace’s underwriter is American Modern Insurance Group, which holds an A+ rating. Trupanion’s underwriter is American Pet Insurance Company, which is unrated by A.M. Best. Embrace gets the nod here because an A+ rating shows great stability than an unrated insurer.

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

Unfortunately, finding negative reviews for Embrace and Trupanion isn’t too difficult. However, it’s more common for people to post poor reviews since they’re upset instead of positive reviews when they’re happy.

In our comment section for Embrace and Trupanion, there are frequent complaints about each, including long claim processing time, classifying items as pre-existing, denial of claims, premium increases, and more.

The fact that Embrace’s underwriter has an A+ rating for stability from A.M. Best bumps it ahead of Trupanion in terms of customer service and reputation.

Embrace logo

Customer Service & Reputation Winner: Embrace

Timeliness Of Claim Repayment

Embrace averages 10 to 15 business days for claim repayment. Doctor's office papers: Timeliness Of Claim RepaymentMeanwhile, Trupanion allows 60 days but averages 14 days. Both of these are on the longer end of what their competitors claim repayments are.

Since Embrace can have a slightly shorter claim repayment period, it’s the winner of this category.

Embrace logoTimeliness of Claim Repayment Winner: Embrace

Price Of Policy

Embrace has customizable plans. You can choose the annual claim limit ($5,000, $8,000, $10,000, $15,000, or $30,000) online. You can also get an unlimited claim 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 that has unlimited claim limits with 90% reimbursement. It also has a per-incident deductible (which you can choose from $0 to $1,000), which means you’ll have to meet the deductible multiple times for each emergency. This can result in more expenses for you.

Additionally, Embrace has a $25 enrollment fee and a $1 transaction fee, and Trupanion has a $35 enrollment fee. But both companies offer 30-day money-back guarantees.

Below are some quotes from October 23, 2020. All information is for pets who are spayed/neutered and not an assistance animal or therapy pet.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual MaximumPrice Per Month
EmbraceYorkshire TerrierJune 2017MaleOhio (43205)$20090%$30,000$45.39
TrupanionYorkshire TerrierJune 2017MaleOhio (43205)$200/incident90%Unlimited$60.37
EmbraceLabrador RetrieverApril 2016FemaleCalifornia (90024)$50090%$30,000$90.31
TrupanionLabrador RetrieverApril 2016FemaleCalifornia (90024)$500/incident90%Unlimited$153.18
EmbraceMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$30090%$30,000$96.31
TrupanionMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$300/incident90%Unlimited$121.70
EmbraceAmerican Pit Bull TerrierSeptember 2017MaleNew York (10012)$20090%$30,000$154.44
TrupanionAmerican Pit Bull TerrierSeptember 2017MaleNew York (10012)$200/incident90%Unlimited$190.01

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

When we ran additional price quotes, Embrace and Trupanion were consistently more expensive than competitors. Quotes for these two companies can be very similar or slightly different, which is why we always recommend gathering quotes from multiple companies.

Overall, Embrace tended to be less expensive than Trupanion in the quotes we ran. Additionally, we like that Embrace gives you more options to help fit it into your budget. Plus, Trupanion has a per-incident deductible, which can result in more out of pocket expenses for you.

Embrace logoPrice of Policy Winner: Embrace

Coupons

Embrace

Embrace offers a few different discount options. If you have multiple pets, each one gets 10% off (5% in NY). You can also pay annually and get 5% off in NY. No discount code needed - click here to take advantage of these offers.

Trupanion

Looking for a Trupanion promo code? Click here for the best deal we could find.

What’s The Verdict?

Embrace and Trupanion aren’t our first picks for pet insurance. However, if your dog has pre-existing conditions, Trupanion may be a better option if you need a condition or disease covered that can affect both sides of the body but has only presented itself on one side.

If that’s not the case, then Embrace is who we’d recommend in this showdown. It has more pricing options, a more stable reputation, better claim repayment, and more.

You can learn more about Embrace and Trupanion by reading our individual reviews and compare them against top pet insurance companies to see how they differ. If you have specific questions about your dog’s health history and the best pet insurance company to cover his needs, feel free to ask us in the comments below.

Embrace logoOverall Winner: Embrace

What do you think makes Embrace or Trupanion stand out?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing 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 pet health 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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