Is Embrace or Trupanion better?

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    • #137136
      dd008c69b2696c24c3d37983fb30e964KorgiKardashian
      Verified Participant

      I have one lab and one corgi. My lab is currently overweight but we’re working on it. Otherwise, my dogs are healthy. I’m considering pet insurance. I saw a poster in my vet’s office for Trupanion and looked into it some, it looks good. I also researched other companies. Right now, Embrace is peeking my curiosity. It seems to have fewer exclusions than others. When I got quotes, Trupanion was a lot higher than Embrace. Is there something I’m overlooking with Trupanion? Should I choose it over Embrace?

    • #137226
      Kimberly Alt
      Moderator

      It’s great that you’re considering pet insurance now while your dogs are healthy! Both Trupanion and Embrace are reputable companies, but they have some key differences that might explain the price gap and help you decide which is better for you. My Embrace vs Trupanion comparison goes into more details.

      Why is Trupanion More Expensive?

      • Lifetime Per-Condition Deductible: Trupanion’s deductible is per condition, not annual. This can save money long-term if your dog develops a chronic condition (e.g., allergies, arthritis) because you only pay that deductible once per condition.
      • Direct Vet Payments: If your vet accepts Trupanion’s direct payment system, you wouldn’t have to pay out-of-pocket and wait for reimbursement. This convenience can be a huge plus.
      • No Payout Limits: Trupanion doesn’t have annual or lifetime caps, while some Embrace plans do (though they offer high limits).
      • Stock Market: They are the only pet insurance company that is traded on the stock market, so they have investors who expect quarterly growth on their investments. This investor focus makes it hard for them not to raise prices regularly.

      What About Embrace?

      • Lower Cost: Embrace tends to have more affordable premiums, and you can customize annual limits, deductibles, and reimbursement percentages to fit your budget.
      • Covers Exam Fees & Wellness (Optional): Trupanion doesn’t cover vet exam fees for illnesses or have a wellness plan option, while Embrace offers both as an option.
      • Annual Deductible: Instead of per-condition deductibles, Embrace has a standard annual deductible, which resets every year regardless of conditions. This could be better if your dogs have multiple different health issues rather than one major ongoing problem.
      • Orthopedic Issues: Embrace has 6 month waiting periods for hip dysplasia, IVDD, CCL injuries, and patellar luxation.
      • No Maximum Enrollment Age: Embrace allows all ages for enrollment beyond 6 weeks old. Trupanion limits enrollment at 14 years.
      • Teeth: Embrace covers all teeth for dental illness, not just canines and carnassials like Trupanion.

      Which One is Better for You?

      If you want long-term savings on chronic conditions and like the idea of direct vet payments, Trupanion might be worth the extra cost.

      If you want a lower premium, coverage for vet exam fees, and more flexibility, Embrace could be the better value.

      Since your Lab is currently overweight, keep in mind that some insurers may exclude weight-related conditions if noted in medical records before enrollment. Either way, insuring them now while they’re otherwise healthy is a smart move! You may find my specific articles about pet insurance for Labs and Corgis helpful.

      Let me know if you need help comparing specific plan options. 😊

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