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Embrace Pet Insurance vs Fetch Pet Insurance

Embrace Pet Insurance logo

Embrace Pet Insurance

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Fetch Pet Insurance logo

Fetch Pet Insurance

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Pet insuranceLast verified Oct 1, 2026
Verified facts for Embrace Pet Insurance and Fetch Pet Insurance, side by side
FieldEmbrace Pet InsuranceFetch Pet Insurance
FoundedUnknown on one sideNot verified2003Source: Fetch Pet Insuranceverified 2026-09-30
Insurance productsSame
  • pet
Source: Embrace Pet Insuranceverified 2026-09-30
  • pet
Source: Fetch Pet Insuranceverified 2026-09-30
Underwritten byDiffersAmerican Modern Insurance Group, Inc. licensed insurers, including American Modern Home Insurance Company (d/b/a American Modern Insurance Company in CA) and American Southern Home Insurance Company; administered by Embrace Pet Insurance Agency, LLCSource: Embrace Pet Insuranceverified 2026-09-30AXIS Insurance CompanySource: Fetch Pet Insuranceverified 2026-09-30
States availableDiffers
  • AL
  • AK
  • AZ
  • AR
  • CA
  • CO
  • CT
  • DE
  • DC
  • FL
  • GA
  • HI
  • ID
  • IL
  • IN
  • IA
  • KS
  • KY
  • LA
  • ME
  • MD
  • MA
  • MI
  • MN
  • MS
  • MO
  • MT
  • NE
  • NV
  • NH
  • NJ
  • NM
  • NY
  • NC
  • ND
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • SD
  • TN
  • TX
  • UT
  • VT
  • VA
  • WA
  • WV
  • WI
  • WY
Source: Embrace Pet Insuranceverified 2026-09-30		all 50 statesSource: Fetch Pet Insuranceverified 2026-10-01
Coverage typesDiffers
  • Illnesses & Conditions
  • Accidents & Injuries
  • Dental Disease
Source: Embrace Pet Insuranceverified 2026-09-30
  • Accidents
  • Illnesses
  • Tests
  • Surgeries
  • Medications
  • Online vet visits
  • Physical therapy
  • Acupuncture & chiropractic care
  • Dental & gum disease
  • Cancer treatment
  • Breed-specific issues
Source: Fetch Pet Insuranceverified 2026-10-01
Reimbursement optionsUnknown on one sidePolicyholder chooses a reimbursement level, up to 90% back on eligible vet billsSource: Embrace Pet Insuranceverified 2026-09-30Not verified
Deductible optionsUnknown on one sideAnnual deductible, chosen by the policyholderSource: Embrace Pet Insuranceverified 2026-09-30Not verified
Waiting periodsDiffers
  • 14 days for illnesses
  • Accident coverage begins on the policy effective date
  • Orthopedic waiting period applies in some states and varies by state
Source: Embrace Pet Insuranceverified 2026-09-30		no waiting period for accidents; illness coverage begins after a waiting period of up to 15 daysSource: Fetch Pet Insuranceverified 2026-10-01
Age restrictionsUnknown on one sideNot verifiedno upper-age limits and no breed restrictionsSource: Fetch Pet Insuranceverified 2026-10-01
Pre-existing condition definitionUnknown on one sideAny injury, illness, or irregularity noticed by the owner or veterinarian before the end of the waiting period, even if the pet was never seen by a veterinarian for itSource: Embrace Pet Insuranceverified 2026-09-30Not verified
How to get a quoteDiffers
  • online
  • phone
Source: Embrace Pet Insuranceverified 2026-09-30
  • online
Source: Fetch Pet Insuranceverified 2026-10-01
How to file a claimDiffers
  • website
  • mobile app
  • email
  • fax
  • physical mail
Source: Embrace Pet Insuranceverified 2026-09-30
  • mobile app (Fetch Pet Insurance app): upload the paid invoice and supporting medical records
Source: Fetch Pet Insuranceverified 2026-10-01
Customer service channelsDiffers
  • online account
  • mobile app
  • phone
  • fax
  • help center
Source: Embrace Pet Insuranceverified 2026-09-30
  • 24/7 chatbot
  • live chat
  • phone
Source: Fetch Pet Insuranceverified 2026-10-01
Notable limitationsDiffers
  • Pre-existing conditions
  • Breeding, whelping, or pregnancy
  • DNA testing or cloning
  • Deliberate injury by you or anyone in your household
  • Injury or illness from fighting, racing, cruelty, or neglect
  • Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary
  • Avian flu or nuclear war
  • Routine veterinary care (like wellness checkup exam fees)
Source: Embrace Pet Insuranceverified 2026-09-30
  • pre-existing conditions are not covered; these are injuries, illnesses or conditions the pet had before signing up or during the waiting period of up to 15 days
Source: Fetch Pet Insuranceverified 2026-10-01
Financial strength ratingsUnknown on one sideA.M. Best rates American Modern A+ SuperiorSource: Embrace Pet Insuranceverified 2026-09-30Not verified

Both companies write pet insurance. Of the fields we have verified for either company, 8 differ and 6 are unverified on at least one side. We do not pick a winner and we do not score either company.

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