Embrace vs Trupanion pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
The key differences
- Exam fees: Embrace — covered; Trupanion — not covered.
- Trupanion uses a per-condition lifetime deductible; the other resets every year.
- Trupanion can pay your vet directly at checkout.
- Embrace can cover a cured pre-existing condition; the other can't.
Side by side
| Feature | Embrace | Trupanion |
|---|---|---|
| Plan | Accident & Illness | Trupanion Policy |
| Price level | $$ Mid-range | $$$ Premium |
| Reimbursement | 70/80/90% | 90% |
| Annual limit (max) | Unlimited | Unlimited |
| Deductible | Annual | Per condition |
| Exam fees | Covered | Not covered |
| Dental | Injury & disease | Injury & disease |
| Pays vet directly | No | Yes |
Show all rows
| Feature | Embrace | Trupanion |
|---|---|---|
| Alternative therapy | Included | Add-on |
| Accident wait | none | 5 days |
| Illness wait | 14 days | 30 days |
| Orthopedic wait | 6 mo | None extra |
| Wellness option | Yes | No |
| Multi-pet discount | 10% (plus 5% military discount) | None |
| Cured pre-existing | Can be covered | Not covered |
| Enrollment age | New policies up to age 14. | New policies up to age 14. |
| Availability | Sold in every state. | Sold in every state. |