Embrace vs. ManyPets Pet Insurance: In-Depth Comparison [2022]

Comparing Pets Best and Trupanion Pet Insurance Plans

What’s The Difference Between Embrace & ManyPets Pet Insurance Plans?

Thank you for visiting our guide to comparing Embrace and ManyPets. Below you’ll find a comparison of Embrace vs. ManyPets insurance plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Embrace and ManyPets side by side, as well as other major pet insurers.

Embrace & ManyPets: A Complete Breakdown of Dog Insurance Plan Benefits 

The comparison chart below will show you the pet insurance plan features of Embrace and ManyPets, as well as many of the other top pet insurance brands.

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Free Side-by-Side Quote Comparison Between Embrace and ManyPets

Fill out the form below to receive your no-obligation quote comparison between Embrace and ManyPets.

Common Questions About Embrace Vs. ManyPets

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Coverage Amounts: Embrace vs. ManyPets

ManyPets offers unlimited coverage with their plans, while Embrace’s coverage ranges from $5,000 to $30,000 max. While unlimited coverage surely sounds better, $5 to $30k would cover most emergency treatments or surgeries within a one-year period.

Multi-Pet Discounts: Embrace vs. ManyPets

Embrace does offer a discount for insuring multiple pets, while ManyPets does not currently offer one. This is one key difference in the Embrace vs. ManyPets insurance comparison. If you have multiple dogs, it’s something to consider.

What are the Reimbursement Amounts for Embrace vs. ManyPets?

Both of these insurers offer similar reimbursement options. Embrace and ManyPets will either reimburse you for 90%, 80%, or 70%. Remember: the higher your reimbursement percentage, the higher your premium will be. 

What is the Annual Deductible for Embrace vs. ManyPets?

Embrace’s deductible options range from$200, $300, $500, $750, or $1,000. With ManyPets, your deductible will be either $100, $250, or $500. Note that the higher the deductible, the lower your premium will be. 

Does Embrace or ManyPets Offer a Wellness Plan for Preventative Care?

Once again, both Embrace and ManyPets offer a wellness option (not that that makes your choice easier.) This includes things like preventative care, vaccines, and dental. Wellness options won’t cover emergencies or accidents.

Who is Cheaper: Embrace or ManyPets?

In most cases, we found ManyPets to offer a more affordable price. For our example quote, ManyPets beat out Embrace for a 1-year-old 30 lb mixed breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Embrace or ManyPets is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Embrace or ManyPets?

It’s a tough call between these two pet insurance companies. Overall, in the Embrace vs. ManyPets insurance comparison, we give just a slight edge to ManyPets for their more affordable monthly pricing and their $0 copay option. Both companies are very reputable and popular with iHeartDogs readers, with Embrace receiving 4.5 out of 5 stars and ManyPets receiving 4.7 out of 5 stars.

Run a No Obligation Comparison Quote Between Embrace and ManyPets

[12] Embrace Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with Embrace and other major pet health insurance plans.

Overall Embrace received a 4.4 out of 5 rating:

⭐⭐⭐⭐⭐ - Responsive, good customer service and as a bonus now affiliated with USAA which is great for those of us who are members of USAA. - Embrace Pet Insurance review by Chris, Midlothian

⭐⭐⭐⭐ - Pays quickly; app makes filing claims easy. Don’t like that have to jump thru hoops to read the policy document. - Embrace Pet Insurance review by Laura, Unknown

⭐⭐⭐⭐ - My dog got attacked by a pit bull causing $1110 in injuries.
The insurance paid within several days with no hassles or other delays. - Embrace Pet Insurance review by David, Ashburn

⭐⭐⭐⭐⭐ - I love how responsive they are and how quickly they pay a claim. I've had my dogs with them since 2006, their first year in business, and have never had a complaint. They cover genetic illnesses, and alternative medicine treatments in their regular accident and illness plan. Their premium rates doubled this year, but after reviewing other companies, they're right in line with normal costs. - Embrace Pet Insurance review by Donna, Salisbury

[8] ManyPets Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with ManyPets and other major pet insurance providers.

Overall ManyPets Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - "After much research, I selected ManyPets for my pet insurance company. Their coverage, their rates, and now having experienced their customer service, are excellent. I have recommended them to my vet and I have recommended them to friends. They are responsive to claims that I submit and they are quick with paying on the claims. Highly recommend them!" - Jean, ManyPets Review

⭐⭐⭐⭐ - Helpful team to explain the coverage, easy method to turn in invoices. Only thing I wish was better is the ability to reimburse electronically (Venmo, PayPal, direct deposit). - Joshua, ManyPets Review

⭐⭐⭐⭐⭐ - So far I have filed 2 claims and both have been handled in 3 days and I have received checks in 3-5 days. Really good company and very good customer service! Dont have anything negative to say! - Ilirjana, Many Pets Review

⭐⭐⭐⭐⭐ - AMAZING customer service, quick and super fast. I have referred ManyPets to all my friends and they are switching over!!! - Eunice, ManyPets Review

⭐⭐⭐⭐⭐ - As a retired insurance agent, I shopped the market for what I thought was the best coverage at reasonable price. Many Pets was exactly what I was looking for. I purchased the wellness coverage as well as the medical and have submitted bills for her first vaccines and within a few days I had a reimbursement check in the mail. Great product, fair pricing and great service. Thank you. - Robin, ManyPets Reviews

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