Embrace vs Trupanion Pet Insurance
With Embrace vs Trupanion, you pick between claim payouts in under 10 days on over 90% of claims and direct vet pay.
Plan terms for Embrace and Trupanion
| Term |  |  |
|---|---|---|
| Pets covered | Dogs and Cats | Dogs and Cats |
| Plan types | Accident and illness, Accident only, Wellness add-on | Accident and illness |
| Underwriter | American Modern Insurance Group (subsidiary American Modern Home Insurance Company issues the policies; Florida by American Southern Home Insurance) | American Pet Insurance Company |
| Deductible options | $100, $250, $500, $750, or $1,000 (annual) | $0 to $1,000, per condition |
| Deductible type | Annual | Per condition (lifetime) |
| Reimbursement options | 70% to 90% | 90% |
| Yearly limit choices | $2,000, $5,000, $10,000, $15,000, $30,000, or unlimited | Unlimited |
| Wait before accident cover | No wait | 5 days |
| Illness waiting period | 14 days | 30 days |
| Youngest age to enroll | 6 weeks | From birth |
| Oldest age to enroll | No upper age limit | Before age 14 |
| Exam fee cover | Add-on | No |
| Pre-existing conditions | Excluded: any injury, illness or irregularity spotted before the waiting period ends. If a condition can be cured, coverage may apply. | Not covered; the only exclusions are problems your pet already had before coverage started. Problems that appear during the waiting period also count as pre-existing. |
| Hereditary and congenital conditions | Covered | Covered |
| Dental illness | Limited | Covered |
| Behavioral conditions | Covered | Add-on |
| Alternative therapy | Covered | Add-on |
| Wellness add-on | Covered | No |
| Multi-pet discount | 10% off when adding a second pet | false |
| Pays the vet directly | No | Covered |
| Claim payment speed | Over 90% of claims are paid in under 10 days | Vets get paid directly within about five minutes of the invoice, sometimes seconds |
| Claims app | A mobile app for Embrace Pet Insurance (Google Play Store and Apple App Store) is available, along with a MyEmbrace online account | Your vet is paid through VetDirect Pay when the practice takes part; other claims arrive as a mailed check or direct deposit |
| Where it is sold | All 50 states | Available in all 50 states, along with Washington, D.C. and Puerto Rico (not every product and discount may be available to every person in every state) |
| Free-look period | 30 days, with a full refund if no claims are submitted (may vary by state) | A full refund is available within 30 days if no claim has been paid, but this isn't offered in New York. |
Source list: Embrace Pet Insurance Review & Pricing (2026), What Waiting Periods Does Embrace Have? | Embrace Pet Insurance, Resource Materials - Top Investor Questions | Trupanion, Inc., and When does my coverage start? | Trupanion Pet Medical Insurance
Embrace fits owners across all 50 states who want customizable bills, plus a 10% discount when they add a second pet
If unlimited payouts matter to you, along with a 30-day full refund window when no claim has been paid, Trupanion fits (outside New York).
Embrace vs Trupanion at a glance
With Embrace, you choose accident-and-illness or accident-only plans for your policy, and you can add an optional wellness add-on that handles routine care You also choose two things: your reimbursement, meaning the share of a covered bill paid by the plan, and your annual limit The maximum a policy pays out in one year is called the annual limit. Trupanion sells a single accident and illness coverage plan. Its reimbursement rate is fixed, there is no routine care add-on, and payouts are unlimited.
Pricing and deductibles
For most Embrace dog parents, the monthly price runs $20 to $70; age, breed, where you live, and which coverage you pick all affect it. In Trupanion's investor Q&A examples, one cat in Boise, Idaho is priced at $20 a month (a domestic short-haired cat). In that same Q&A, one example shows $200 a month for an English Bulldog living in Manhattan, New York.
Think of a deductible as the vet bill amount you cover before the insurer starts paying. Embrace's deductible options run $100, $250, $500, $750, or $1,000 a year, and you meet that amount every policy year. For Trupanion, the deductible is a lifetime per-condition deductible running from $0 up to $1,000, and you meet it a single time for every new condition.
Embrace lets you set reimbursement from 70% to 90% and choose annual limits at $2,000, $5,000, $10,000, $15,000, $30,000, plus an unlimited option. Every Trupanion policy uses 90% reimbursement, and payouts carry no yearly cap.
Waiting periods plus age limits
A waiting period is how many days pass after you buy a policy before coverage starts. Embrace waiting periods run 0 days for accidents, 14 for illnesses, and 180 for orthopedic and cruciate ligament conditions. Trupanion's waiting periods are 5 days for accidents and 30 days for illnesses. Problems noticed before or during the wait aren't covered by either plan, although Embrace may cover curable ones later.
With Embrace, enrollment for a dog or cat opens at 6 weeks old, and no upper age limit applies. Trupanion enrolls dogs and cats at 0 to 7 weeks, accepts pets up to the 14th birthday, and then covers them for life.
Which one is right for your pet
- Direct vet payment: Trupanion fits when your clinic uses VetDirect Pay, because Embrace pays no vet directly at checkout.
- Exams and alternative therapy: Embrace covers acupuncture and behavioral care and sells an add-on for exam fees, while Trupanion never pays exam fees.
- Dental and hereditary conditions: Each plan covers hereditary conditions; Trupanion covers dental illnesses in full, though Embrace's dental illness coverage stays limited
- Older pets: Embrace fits senior pets, since it has no upper enrollment age limit; Trupanion stops enrolling pets once they pass its birthday cutoff
- Coverage outside the states: Through American Pet Insurance Company, Trupanion also covers DC, Puerto Rico, along with Canada. American Modern Insurance Group underwrites Embrace.
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