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

Comparing Pets Best and Trupanion Pet Insurance Plans

What The Difference Between Trupanion & Embrace Pet Insurance Plans?

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

What Are the Differences Between Trupanion & Embrace Pet Insurance Plans?

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

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Free Side by Side Quote Comparison Between Embrace and Trupanion

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Common Questions About Trupanion Vs. Embrace

Coverage Amounts: Trupanion Vs. Embrace

Embrace offers 2 options, a lower cost plan that covers a maximum of $5,000, and another costlier plan that features $30,000 in coverage. Trupanion only offers an Unlimited coverage plan. While unlimited sounds great, remember that is factored into the cost of Trupanion’s insurance.

Multi-Pet Discounts: Trupanion Vs. Embrace

Embrace offers a discount on multiple pets, while unfortunately Trupanion currently does not. Typically multipet discounts are in the 5-10% range.

Which is Cheaper: Trupanion or Embrace?

In most cases, we found Embrace to offer a lower monthly cost. In our example quote, Embrace beat out Trupanion for a 1 year old 30 lb mixed breed dog based out of the Texas zip code 75001. Keep in mind, however, that your location, dog’s age, breed, gender, and other factors greatly affect your pricing. The best way to know whether Trupanion or Embrace is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better Trupanion or Embrace?

Overall, we give a slight edge to Embrace for significantly more affordable pricing, and the ability to add a Wellness Plan covering preventative care to your Accident and Illness coverage. Both companies are very reputable and popular with iHeartDogs readers, with Trupanion receiving 4.5 out of 5 stars, and Embrace receiving 4.4 out of 5 stars.

Run a No Obligation Comparison Quote Between Embrace and Trupanion

[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

[19] Trupanion Insurance Customer Reviews (2022)

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

Overall Pets Best received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - Zero deductible, very quick turn around. Emergency vet takes payment directly from company. Insured at 14 weeks so no pre existing conditions. - Trupanion review by Robin, Fort Myers

⭐⭐⭐⭐⭐ - They may be expensive, when I first got it the price was $62 a month and it gradually went up to $72 a month and then jumped to $100 the next year... now $116... but they have paid for 2 ACL operations, and amputation and Chemotherapy for my Bulldog, they are 24/7 human contact, direct payment to hospitals, They have SAVED my dog's life and allowed her live longer ... best decision I ever made - Trupanion review by Paul, Wakefield

⭐ - They ignore paying what they owe. One year to get them to do it. Then again, another year to get paid. My veterinarian had to argue for months. We are in another arguing cycle. It’s been ten months. - Trupanion review by Leslie, Denver

⭐⭐⭐⭐⭐ - They are great in reimbursing you on what's been paid and I like the fact they pay 90/10. Really helped when my boy was diagnosed with inoperable bladder cancer and we took him to Ohio State Veterinary Clinic for his treatments. Sadly he passed away 2 years ago from a massive stroke, not the cancer we thought might take him. OSU was great. Have other animals covered by them also and have just gotten a puppy who I signed up right away. Will recommend them 100 %! - Trupanion review by Susan, Miamisburg

⭐⭐⭐⭐⭐ - There is nothing that I don't like about this Company - Trupanion review by Maura, Conception Bay South

⭐⭐⭐⭐⭐ - Quick, easy, dependable. A life saver, literally. - Trupanion review by Laurie, Lowell

⭐⭐⭐⭐⭐ - Process and reimburse quickly - Trupanion review by Kathy, Delray Beach

⭐⭐⭐⭐⭐ - Price is fair and reimbursement I s fast - Trupanion review by Bsrb, Northville

⭐⭐⭐⭐⭐ - Pick your deductible and reasonable price. Also trustworthy - Trupanion review by Chris, Southington

⭐⭐⭐⭐⭐ - Our golden retriever was very prone to illness- epilepsy, bladder stones, digestive issues, knee surgery, autoimmune immune issues. We incurred over $30,000 of veterinary expenses in an 18 month time period, and over 80% was covered by our policy. Having Trupanion made it possible to give my baby the best possible care. - Trupanion review by Lori, Lambertville

⭐⭐⭐⭐ - No annual max , deductible applies to each illness, or accident - Trupanion review by Mary, Coeur d'Alene

⭐⭐⭐⭐⭐ - My dog was a middle-aged rescue from the shelter, and they had no problem insuring her. I have since had issues to be covered, and they were, without question. I was paid within days. The first time took a little longer because they wanted information from the vet. I couldn't be happier. - Trupanion review by MK, Rancho Cordova

⭐⭐⭐⭐⭐ - Love that I get to choose my deductible and get 90% back on everything but office visits. Dislike that they don’t cover wellness but I have had great experiences when filing claims and get paid back very quickly. - Trupanion review by Lynne, Walpole

⭐⭐⭐⭐⭐ - I love the peace of mind I have knowing my dog can get the best care - Trupanion review by Cathy, Calgary

⭐⭐⭐ - I like that they are speedy and easy to use. I don't like that they don't cover regular maintenance office visits. - Trupanion review by kathy, Everett

⭐⭐⭐⭐⭐ - Great coverage options - Trupanion review by Deb, Cedar Rapids

⭐⭐⭐⭐⭐ - Cover exactly what they say they do and do not quibble about costs or delay paying claims. - Trupanion review by Karen, Jackson

⭐⭐⭐⭐⭐ - Been excellent for one dog not so good for my second dog - Trupanion review by Susie, Des Moines

⭐⭐⭐⭐⭐ - 90% direct coverage for anything accidental abs emergency.
- does not cover routine procedures (vaccines, dentals, spays/neuter etc) - Trupanion review by Amanda, Calgary"

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