Embrace vs. Fetch
More ways to save, further to travel, longer to claim
 | Fetch |
|---|---|
Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
Six annual limits to choose from - $2,000, $5,000, $10,000, $15,000, $30,000 or unlimited. | $5,000, $10,000 or $15,000, with unlimited on select plans only. |
Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
Get 10% off when you add another dog or cat to your plan. | No discount offered. |
Travel with your pet is covered for up to 6 consecutive months per trip. | Only covers U.S. and Canada. |
Full policy term + 60 days. | 90 days from treatment. |
| Plan features |  | Fetch |
|---|---|---|
| Type of insurance | Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
| Annual coverage limits | Six annual limits to choose from - $2,000, $5,000, $10,000, $15,000, $30,000 or unlimited. | $5,000, $10,000 or $15,000, with unlimited on select plans only. |
| Veterinary admin fees | Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
| Multi-pet discount | Get 10% off when you add another dog or cat to your plan. | No discount offered. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | Only covers U.S. and Canada. |
| Window to submit claims | Full policy term + 60 days. | 90 days from treatment. |
| Get your quote |
With Embrace, the claim window follows your policy, not a 90-day clock.
The last thing you need to worry about is collecting vet receipts when your dog or cat is having a rough time. That’s why Embrace gives you the full policy term plus 60 days after renewal to submit claims, allowing you plenty of time to focus on the health of your pet.
With Embrace, you pick coverage limits that fit — including unlimited.
Six annual limits to choose from, so the plan matches the pet rather than the other way round.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Fetch
Travel confidently
If you're planning to travel abroad with your pet, it matters whether the policy travels, too. Embrace covers pets internationally for up to six consecutive months per trip. So, wherever you and your pet go, travel easy knowing you’re fully covered.
Fetch limits standard coverage to care received in the United States and Canada - claims for treatment outside those areas generally aren't eligible.
An accident-only plan for pets who need one
Accident-only coverage is built for unexpected injuries — broken bones, cuts, swallowed objects — and can be a more budget-friendly option for pets who are otherwise healthy or ageing with existing conditions. Fetch's standard product is accident and illness; a standalone accident-only plan isn't part of their offering.
Multi-pet savings that Fetch simply doesn't offer
For families with more than one pet, Embrace's multi-pet discount of 10% makes coverage more affordable for every animal in the house.
Fetch offers no multi-pet discount, which means insuring a second or third pet costs full price.
Admin fees covered, not passed back to you
Veterinary administrative fees appear on nearly every invoice and are easy to miss until they're yours to pay. Embrace covers them on accident and illness claims.
Fetch doesn't admin fees, so a portion of every bill stays with you.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)