Embrace vs Fetch
Embrace wins for most buyers on ceiling and score: 8.8 against Fetch at 7.6 in our dog rankings (8.7 vs 7.5 for cats), with accident-and-illness limits from $2,000 up to unlimited where Fetch lists $5,000, $10,000 or $15,000 (higher only by contacting Fetch). Fetch counters with coverage breadth: dental disease and behavioral therapy are included rather than sold separately, and it has no accident waiting period at all, where Embrace starts accidents immediately too but holds cruciate, IVDD and hip dysplasia 6 months unless an exam is submitted in the first two weeks. Embrace also brings the curable pre-existing path after 12 clean months, a shrinking deductible for low-claim owners, and a wellness allowance; Fetch sells its wellness as a separate add-on. Illustrative prices sit close: about $41/mo for Embrace versus $47/mo for a dog.
Side by side
| Embrace | Fetch | |
|---|---|---|
| Editorial score (dogs) | 8.8/10 | 7.6/10 |
| Illustrative starting price | dogs from $41/mo, cats from $22/mo | dogs from $47/mo, cats from $27/mo |
| Annual limit | $2k-unlimited | $15k |
| Deductible | Annual, $100 to $1,000 ($100/$250/$500/$750/$1,000). Drops $50 for every claim-free year via the Healthy Pet Deductible. | $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch) |
| Reimbursement options | 70%, 80% or 90% | 70%, 80% or 90% |
| Accident wait | Covered as soon as the policy is effective | No waiting period from the policy effective date |
| Illness wait | 14 days | Up to 15 days |
| Orthopedic / cruciate wait | 6 months for cruciate ligament injury, IVDD and hip dysplasia , cut to 14 days if your vet performs an orthopedic exam and submits it within your first two weeks | None listed |
| Wellness add-on | Available | Available |
| Direct vet pay | No, reimbursement only | No, reimbursement only |
Starting prices are illustrative estimates for a healthy one-year-old animal, not quotes. Your real premium depends on breed, age, ZIP code, deductible and reimbursement rate.
Pre-existing conditions
Embrace: Curable pre-existing conditions (like an old ear infection or a one-off bout of vomiting) can be re-evaluated and covered again after 12 consecutive symptom-free, treatment-free months. Chronic conditions (diabetes, ongoing allergies, chronic orthopedic issues) stay excluded for good. Few competitors distinguish curable from chronic this explicitly.
Fetch: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Embrace if
You want headroom and extras that reward loyalty: annual limits to unlimited with no lifetime maximum, the Healthy Pet Deductible dropping $50 per claim-free year, a $250 or $450 Wellness Rewards allowance covering even grooming and nutrition consults, and the curable pre-existing path after 12 consecutive symptom-free months. Accept the 6-month orthopedic wait unless your vet submits an exam in your first two weeks.
Choose Fetch if
Coverage breadth leads your decision. Fetch genuinely covers dental disease and behavioral therapy in its base policy, has no accident waiting period from the effective date, and illness cover starts within up to 15 days. Deductibles run $250 to $2,500 with 70/80/90% reimbursement. The tradeoff is ceiling: $15,000 is the top listed tier, lower than Embrace’s unlimited option.
Questions
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Written by the WhichPetPlan editorial team. Rankings are editorial, not paid placement. 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. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.