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Embrace Pet Insurance vs Pets Best

Embrace Pet Insurance logo

Embrace Pet Insurance

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Pets Best logo

Pets Best

Full profile
Pet insuranceLast verified Oct 1, 2026
Verified facts for Embrace Pet Insurance and Pets Best, side by side
FieldEmbrace Pet InsurancePets Best
FoundedUnknown on one sideNot verified2005Source: Pets Bestverified 2026-09-30
HeadquartersUnknown on one sideNot verifiedBoise, IDSource: Pets Bestverified 2026-09-30
Insurance productsSame
  • pet
Source: Embrace Pet Insuranceverified 2026-09-30
  • pet
Source: Pets Bestverified 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 2026-09-30American Pet Insurance Company, Independence American Insurance Company, Independence Pet Insurance Company, or MS Transverse Insurance CompanySource: Pets Bestverified 2026-09-30
States availableSame
  • 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
  • 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: Pets Bestverified 2026-10-01
Coverage typesDiffers
  • Illnesses & Conditions
  • Accidents & Injuries
  • Dental Disease
Source: Embrace Pet Insuranceverified 2026-09-30
  • accidents
  • illnesses
  • surgeries
  • cancer
  • optional routine wellness coverage
Source: Pets Bestverified 2026-10-01
Reimbursement optionsDiffersPolicyholder chooses a reimbursement level, up to 90% back on eligible vet billsSource: Embrace Pet Insuranceverified 2026-09-30Options ranging from 70% - 90%Source: Pets Bestverified 2026-10-01
Deductible optionsDiffersAnnual deductible, chosen by the policyholderSource: Embrace Pet Insuranceverified 2026-09-30Annual deductible options ranging from $100 - $1,000Source: Pets Bestverified 2026-10-01
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		vary by state and coverage typeSource: Pets Bestverified 2026-10-01
Age restrictionsUnknown on one sideNot verifiedno upper age limit for enrollmentSource: Pets Bestverified 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 quoteSame
  • online
  • phone
Source: Embrace Pet Insuranceverified 2026-09-30
  • online
  • phone
Source: Pets Bestverified 2026-10-01
How to file a claimDiffers
  • website
  • mobile app
  • email
  • fax
  • physical mail
Source: Embrace Pet Insuranceverified 2026-09-30
  • online
  • Pets Best mobile app
  • online customer portal
Source: Pets Bestverified 2026-10-01
Customer service channelsDiffers
  • online account
  • mobile app
  • phone
  • fax
  • help center
Source: Embrace Pet Insuranceverified 2026-09-30
  • phone
  • fax
  • mail
Source: Pets Bestverified 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
  • Accident & Illness plans do not cover preventive care or elective procedures, including annual wellness exams, vaccinations, flea and tick prevention, ear cropping, tail docking and feline declawing
Source: Pets Bestverified 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 5 are unverified on at least one side. We do not pick a winner and we do not score either company.

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Embrace Pet Insurance logoEmbrace Pet InsurancePets Best logoPets Best

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