Embrace vs. Trupanion
Embrace coverage is more comprehensive
 | Trupanion |
|---|---|
Choose your annual deductible — $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | One per-condition deductible, which will need to be met each time you visit the vet for a new condition. |
Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident and illness policy—no annual dental exam required.¹ | Dental illness and injury covered with annual exam required. |
Free 24/7 telehealth included in every plan. Call or chat anytime, no extra cost. | Not included. Third-party telehealth available at additional cost. |
If a condition has been symptom-free for 12 months, it can be covered if it returns. | Pre-existing conditions are not covered, period. |
tbd- want more info here | Excludes conditions arising from missed routine care, including certain dental problems. |
Get 10% off when you add another dog or cat to your coverage. | No multi-pet discount offered. |
The only pet insurer certified by J.D. Power for customer service excellence. | No equivalent third-party customer service certification |
| Plan features |  | Trupanion |
|---|---|---|
| Deductible Options | Choose your annual deductible — $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | One per-condition deductible, which will need to be met each time you visit the vet for a new condition. |
| Dental Illness Coverage | Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident and illness policy—no annual dental exam required.¹ | Dental illness and injury covered with annual exam required. |
| 24/7 Pet Telehealth Support | Free 24/7 telehealth included in every plan. Call or chat anytime, no extra cost. | Not included. Third-party telehealth available at additional cost. |
| Curable Pre-existing conditions | If a condition has been symptom-free for 12 months, it can be covered if it returns. | Pre-existing conditions are not covered, period. |
| Preventable Condition Coverage Included | tbd- want more info here | Excludes conditions arising from missed routine care, including certain dental problems. |
| Multi-pet discount | Get 10% off when you add another dog or cat to your coverage. | No multi-pet discount offered. |
| J.D. Power Award-winning customer service | The only pet insurer certified by J.D. Power for customer service excellence. | No equivalent third-party customer service certification |
| Get your quote |
Your pet’s dental coverage doesn’t depend on an annual exam.
Embrace covers eligible dental illnesses without requiring a dental exam within 60 days of enrollment or every year after that.
With Embrace, more health conditions don’t mean more deductibles.
Embrace uses one annual deductible. Once you meet it, covered claims for the rest of the year are reimbursed at your chosen rate.
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10% multi-pet discount**
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Where Embrace wins over Trupanion
Trupanion doesn't cover exam fees — and those add up
Every vet visit starts with an exam fee. According to the American Veterinary Medical Association (AVMA), the average routine visit costs around $214 for dogs and $138 for cats — and that's before diagnostics, treatment, or medication. Specialist visits run higher. Emergency visits higher still.²
Trupanion's policy excludes exam fees entirely. That means every time your pet sees a vet for a covered condition, you're still paying $50–$150 out of pocket just to walk through the door — on top of your deductible.³
Embrace gives you the option to add exam fee coverage. It's not in the base plan, but it's there if you want it.Embrace includes complementary treatments at no extra cost
Complementary treatments and behavioral therapy aren't in Trupanion's base plan. Rehabilitation, acupuncture, hydrotherapy, chiropractic, and behavioral therapy are all available through Trupanion — but only as paid add-ons.
Embrace covers complementary treatments and behavioral therapy in every base policy. No extra fee, no rider to remember.Embrace offers more ways to customize your coverage
Trupanion does not allow customization to the annual maximum or the reimbursement percentage of their plan. Embrace allows you to pick your annual deductible, annual maximum, and reimbursement percentage.
Trupanion’s policy is a set reimbursement that leaves little wiggle room. With their high reimbursement percentage, the premium is likely to be much higher. All pet insurance premiums increase over time for one reason or another, and with Embrace’s policy you can make small changes in your coverage to fit your budget.
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
¹ Pre-policy exam required to rule out pre-existing conditions.
² American Veterinary Medical Association (AVMA), 2025 pet owner spending data.
³ Pawlicy Advisor, "How Much Does a Vet Visit Cost?" Updated April 2026.
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)