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Fetch vs Embrace: which should you pick?

By the WhichPetPlan editorial team · Last verified 2026-08-25
Short answer

Embrace wins for most owners: a higher editorial score (8.8 out of 10 for dogs against 7.6), accident and illness limits running to unlimited with no lifetime maximum, a deductible that falls $50 every claim-free year, and a curable pre-existing path after 12 clean months. Fetch keeps two genuine edges: dental disease and behavioral therapy in the base policy, and no accident waiting period at all.

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Which one costs less?

Embrace, slightly, on our illustrative estimates for a healthy one-year-old: about $41/mo for a dog and $22 for a cat, against roughly $47 and $27 at Fetch. Those are starting estimates, not quotes; your real premium depends on breed, age, ZIP code, and the deductible and reimbursement rate you configure.

When is Fetch the better pick?

When the claim you expect is dental or behavioral. Fetch genuinely covers both in its base policy, where Embrace treats dental illness as part of its optional add-on menu, so compare configured totals before assuming either costs less overall. Fetch also has no accident waiting period from the effective date, and illness cover starts within up to 15 days.

The tradeoff is ceiling and joints: $15,000 is Fetch's top listed annual tier with higher limits only by contacting Fetch, and our review data documents no separate orthopedic clock, while Embrace reaches unlimited and cuts its 6-month orthopedic hold to 14 days with a vet exam in your first two weeks.

How do the deductibles differ?

Both are annual. Embrace runs $100 to $1,000 and drops $50 for every claim-free year via the Healthy Pet Deductible, rewarding owners who rarely claim. Fetch runs $250 to $2,500 with three recommended amounts shown at signup. Both reimburse at 70%, 80% or 90%. Embrace adds a curable pre-existing path after 12 symptom-free months that Fetch does not document, plus an optional Wellness Rewards allowance of $250 or $450 a year.

Related questions

Does Fetch cover dental disease when Embrace does not?
Fetch includes dental disease in its base accident and illness policy. Embrace covers dental illness through its optional add-on menu rather than the base policy, so price the add-on configuration before deciding.
Which has the higher annual limit, Fetch or Embrace?
Embrace. Accident and illness limits run from $2,000 to unlimited with no lifetime maximum. Fetch lists $5,000, $10,000 and $15,000 tiers, with higher limits available only by contacting Fetch directly.
Which handles pre-existing conditions better?
Embrace, on documentation: curable conditions can be re-covered after 12 consecutive symptom-free, treatment-free months. Our review data documents no equivalent reinstatement path at Fetch.
How do the waiting periods compare between Fetch and Embrace?
Both start accident cover effectively immediately: Fetch documents no accident wait at all and Embrace covers accidents as soon as the policy is effective. Illness runs up to 15 days at Fetch and 14 days at Embrace. For orthopedic conditions Embrace holds 6 months unless an early exam cuts it to 14 days.

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The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.

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Some links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.