Compare Embrace vs. Fetch Pet Insurance
What’s the difference between Embrace Pet Insurance and Fetch Pet Insurance? See how our editors compare the two companies below.
Last Updated: March 17, 2025
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Key Facts
Unlimited Reimbursement at Any Vet
- Covers Illnesses, Conditions & Accidents
- Add Dental & Prescription Coverage
- Wellness Plan for Routine Check-ups, Grooming & Training
- Over 18 Years of Pet Insurance Expertise
- Get Back up to 90% on Unexpected Vet Bills
- Covers Pets of Every Age 6 Weeks+
- Dental Coverage for Every Tooth Plus Gums
- Covers Exam Fees (Save $50-$250 per Sick Visit)
OVERALL RATINGS
| Embrace | Fetch | |
|---|---|---|
| Coverage | 4.5/5 | 5.0/5 |
| Cost | 4.5/5 | 3.0/5 |
| Extras | 4.5/5 | 4.5/5 |
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Final Verdict
Fetch Pet Insurance and Embrace Pet Insurance are very close in quality and have the same overall rating. That said, Fetch scores better than Embrace across: Coverage, Benefit Limits, Deductibles, and Reimbursement. Whereas, Embrace scores better on Cost, Reviews, and Enrollment. Both companies score similarly on Extras.
Customer Comments & Reviews
Embrace Pet Insurance review
I love Embrace. Indeed, my dog had an unexpected surgery after a complication from being neutered, at the same time that I had back surgery. Both surgeries were successful, but reimbursement from Embrace was a breeze, while dealing with my insurance company, not so much. Thankfully, I now have Medicare, but I recall sending a note to Embrace saying my only disappointment was that they didn't insure people. I would never go without insurance from Embrace for my dog. It just makes fet decisions so easy. Do what is best for the dog and don't worry about paying.
Fetch Pet Insurance review
Have had Petplan-now Fetch-since 2009 for many dogs. They have never denied a claim and we have had many many claims for all kinds of illnesses. We highly recommend-would not think of going elsewhere
Embrace Pet Insurance review
We’ve had Embrace for four years, never had a claim denied and every time we’ve submitted a claim it has been processed and any money coming back to us has been in our bank account within less than 5 business days. We love it!
Fetch Pet Insurance review
Petplan insurance has never refused a claim or made me fight to get reimbursed for necessary pet care. Without Petplan I honestly don’t know if I could afford to care for my English Mastiff Bartleby. He has allergies and a joint issue. I would recommend getting Petplan as soon as you get a new furry family member.
Embrace Pet Insurance review
I have 2 10yr old Labs. Embrace has covered all things they have said they would withing the guidelines of the policy. They went out of their way to get my pups medical history and any additional information from the vets office. I don't know if the have the best overall coverage but i'm very happy with the coverage I have and the customer service that I receive. I absolutely recommend Embrace. And no, I have nothing to do with the company other than them being my chosen canine insurer.
Have a blessed day
Fetch Pet Insurance review
fast friendly. had no issues with getting doctor paid by PetPlan for several claims. one was about $4000. I only had to pay $200.
Fetch Pet Insurance review
I've had PetPlan for years, I think around 8 years now and I cannot be happier with their coverage, speed of processing claims and the amounts that they cover and reimburse. They do not split hairs, and I never had a question or a doubt that they were not being fair in their reimbursements. I've had three cats covered through them, out of which one had to be put down due to acute renal failure and it cost in the ER hospital fees in thousands of $ (LA, CA). They paid me back everything, minus the deductible and up to 80% for the ER/specialty care. Then I adopted my second cat, who is still rather young, but he just had a second bout of pancreatitis in his short 5 years of live. He barely survived and the bill again was in thousands of $$$ for having to rush him in between an ER and ER Specialty hospital. PetPlan again covered a fair deal and sent me a check within 10 days. No questions asked. Fair coverage, happy customer and my cat pulled through, thankfully to this great insurance and even more so to the staff of the two hospitals that took a good care of him. Thank you PetPlan!
Embrace Pet Insurance review
Review regarding online quoting system:
+ allows for seemingly every modification to the quote you would like to make
+ doesn't appear to have a one time administrative fee
+ definitely the best quoting site for pet insurance I've found so far
