Embrace vs. Pets Best Insurance: In-Depth Comparison [2022]

Comparing Pets Best and Trupanion Pet Insurance Plans

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

Thank you for visiting our guide to comparing Embrace and Pets Best. Below you’ll find a comparison of 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 Pets Best side by side, as well as other major pet insurers.

Embrace & Pets Best: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Embrace and Pets Best, 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 Pets Best

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

Common Questions About Embrace Vs. Pets Best

Coverage Amounts: Embrace Vs. Pets Best

Embrace’s coverage ranges from $5,000 – $30,000, depending on your plan and premium. Pets Best’s coverage amounts are either $5,000 or unlimited. Unlimited coverage is great, but it will cost you more per month, and you may not need that much coverage if your dog is still young and healthy.

Multi-Pet Discounts: Embrace Vs. Pets Best

Both Embrace and Pets Best offer a multi-pet discount, making either a good option for multi-pet parents looking to save.

What are the Reimbursement Amounts for Embrace Vs. Pets Best?

Both Embrace and Pets Best offer reimbursement options of 90%, 80%, or 70%. The higher your reimbursement, the higher your premium will be. 

What is the Annual Deductible for Embrace Vs. Pets Best?

With Pets Best, you have several options: $50, $100, $200, $250, $500, or a $1,000 deductible. Embrace offers deductibles of $200, $300, $500, $750, or $1,000. The higher the deductible, the lower your premium will be.

Does Embrace or Pets Best Offer a Wellness Plan for Preventative Care?

Both Embrace and Pets Best have Wellness Plan options. This means you invest in preventative care, like annual exams, but the plan wouldn’t cover accidents or emergencies.

Who is Cheaper: Embrace or Pets Best?

In most cases, we found Pets Best offers a slightly more affordable price. In our example quote, Pets Best 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 Pets Best is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Embrace or Pets Best?

It’s a tough call between Embrace and Pets Best, who offer competitive benefits. Overall, we give an edge to Pets Best for more affordable pricing, an unlimited coverage option, and the added benefits of multi-pet discounts and wellness plan options. Both companies are very reputable and popular with iHeartDogs readers, with Embrace receiving 4.5 out of 5 stars and Pets Best receiving 4.3 out of 5 stars.

Run a No Obligation Comparison Quote Between Embrace and Pets Best

[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

[12] Pets Best Insurance Customer Reviews (2022)

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

Overall Pets Best received a 4.3 out of 5 rating:

⭐⭐⭐⭐⭐ - Very good price, covers everything I need, and no hidden fees. - Pets Best Review by Tim in Broken Arrow

⭐⭐⭐ - They find any excuse not to cover my pets. And very slow claims processing - Pets Best Review Tracey in Queens

⭐⭐⭐⭐⭐ - There have been no surprises or games played on my claims. - Pets Best Review by Marc in North Hampton

⭐⭐⭐⭐⭐ - The only issue I would say I have is that since COVID reared it's ugly head the claims process takes a long time now, it wasn't that way before that. - Pets Best Review by Meri in Yerington

⭐ - The coverage is terrible and I will be returning to Embrace. - Pets Best Review by Alice in Natchez

⭐⭐⭐⭐⭐ - Prompt claims processing - Pets Best Review by Michelle in Newark

⭐⭐⭐⭐⭐ - One deductible per year, not per incident. Pays claims in a timely manner. - Pets Best Review by Lynne, Unknown

⭐⭐⭐⭐⭐ - Never had any problems with claims. - Pets Best Review by Jim in Chicago

⭐⭐⭐⭐ - Fast payment for my wellness claims. But slow payment for my accident claim. I will say that the people I talk to on the phone were very nice and gave me an explanation. But I hope they will work to improve this problem. - Pets Best Review by Unknown in Anchorage

⭐⭐⭐⭐⭐ - Cover what they say they will, reasonably priced, good coverage - AB, Epsom

⭐⭐⭐⭐⭐ - Claims are easy to submit online. Processing is quick. Explanations of benefits are easy to understand. Claims are processed fairly and payment is made directly to your bank account. - Harold, Unknown

⭐⭐⭐⭐ - great Choice of coverage

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