Embrace vs Trupanion: Are They Worth The Higher Price?

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 needs?

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.

Licensed Insurance Professional – Reviewed & Validated

Our licensed insurance professional, Michelle Schenker, has reviewed all content and its supporting research, including each company’s policy, customer feedback, underwriters, and more.

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

Dog under covers (caption: Policy Coverage Winner)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
Exam FeesCheckmark
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 Property and Casualty 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. 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 who have dogs prone to knee issues or 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 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 2 days for accidents, whereas Trupanion is 30 days for illnesses and 5 days for accidents.

Depending on your needs, you may see one of the two companies as a better fit than the other. But we give Embrace the edge in this category because it covers exam fees, while Trupanion does not. Embrace also offers a wellness plan and has shorter waiting periods for accidents and illnesses.

Embrace logoPolicy Coverage Winner: Embrace 

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 Property and Casualty 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 greater 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, they have vast customer bases and it’s more common for people to post poor reviews since they’re disappointed instead of positive reviews when they’re satisfied.

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

Doctor's office papers: Timeliness Of Claim Repayment

Claim Repayment

For claim repayments, Embrace averages 8-9 days for accidents and illnesses and 5 days for wellness.Meanwhile, Trupanion allows 60 days but averages 14 days. Both of these are on the longer end compared to claim repayments for the competition.

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

Embrace logoClaim Repayment Winner: Embrace

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)Embrace has fully 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 each emergency will have its own deductible. This can result in more expenses for you.

Embrace logoPlan Customization Winner: Embrace

Price Of Policy

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 January 2, 2021. All information is for pets who are spayed/neutered and not an assistance animal or therapy pet.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual MaximumPrice Per Month
EmbraceYorkshire TerrierDecember 2018MaleOhio (43205)$20090%$30,000$44.44
TrupanionYorkshire TerrierDecember 2018MaleOhio (43205)$200/incident90%Unlimited$55.89
EmbraceLabrador RetrieverApril 2017FemaleCalifornia (90024)$50090%$30,000$82.34
TrupanionLabrador RetrieverApril 2017FemaleCalifornia (90024)$500/incident90%Unlimited$154.16
EmbraceMedium Mixed BreedDecember 2015FemaleIndiana (46201)$30090%$30,000$51.57
TrupanionMedium Mixed BreedDecember 2015FemaleIndiana (46201)$300/incident90%Unlimited$78.36
EmbraceAmerican Pit Bull TerrierSeptember 2018MaleNew York (10012)$20090%$30,000$150.38
TrupanionAmerican Pit Bull TerrierSeptember 2018MaleNew York (10012)$200/incident90%Unlimited$190.01

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

When we ran additional price quotes, Trupanion was consistently among the most expensive when compared against competitors. Embrace was all over the board with its pricing. 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 tends to be less expensive than Trupanion in the quotes we ran. Additionally, we like that Embrace gives you more options to help fit your budget. Plus, Trupanion has a per-incident deductible, resulting in more out of pocket expenses for you if there are multiple emergencies in a policy period.

Embrace logoPrice Of Policy Winner: Embrace 

Coupons

Embrace

Embrace offers a few different discounts:
  • If you have multiple pets, each one gets 10% off (5% in NY).
  • Pay annually and get 5% off in NY.
  • USAA customers are eligible for a discount of up to 15% off.
No discount code needed - click here to take advantage of these offers. You can also visit our dedicated Embrace promotions page to discuss current discounts.

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 to-date.

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.

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 logoOverall Winner: Embrace

Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, which includes more than 20 companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited claims, 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.

What do you think makes Embrace or Trupanion stand out?