Embrace Pet Insurance vs Trupanion
Pet insuranceLast verified Oct 1, 2026
| Field | Embrace Pet Insurance | Trupanion |
|---|---|---|
| FoundedUnknown on one side | Not verified | 2000Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30 |
| HeadquartersUnknown on one side | Not verified | Seattle, WashingtonSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30 |
| Insurance productsSame |
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| Underwritten byDiffers | American 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 2026-09-30 | American Pet Insurance Company (APIC)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30 |
| States availableDiffers |
| all 50 states, the District of Columbia and Puerto RicoSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30 |
| Coverage typesDiffers |
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| Reimbursement optionsUnknown on one side | Policyholder chooses a reimbursement level, up to 90% back on eligible vet billsSource: Embrace Pet Insuranceverified 2026-09-30 | Not verified |
| Deductible optionsUnknown on one side | Annual deductible, chosen by the policyholderSource: Embrace Pet Insuranceverified 2026-09-30 | Not verified |
| Waiting periodsDiffers |
| five-day waiting period for injuries and a 30-day waiting period for illnessesSource: Trupanionverified 2026-10-01 |
| Age restrictionsUnknown on one side | Not verified | all cats and dogs under 14 years of age are eligible to enrollSource: Trupanionverified 2026-10-01 |
| Pre-existing condition definitionUnknown on one side | Any 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 2026-09-30 | Not verified |
| Eligibility notesUnknown on one side | Not verified | dogs and cats only, no breed restrictions; owner must live in the United States, Canada or Puerto Rico, or at any US military base worldwideSource: Trupanionverified 2026-10-01 |
| How to get a quoteDiffers |
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| How to file a claimDiffers |
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| Customer service channelsDiffers |
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| Notable limitationsDiffers |
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| Financial strength ratingsUnknown on one side | A.M. Best rates American Modern A+ SuperiorSource: Embrace Pet Insuranceverified 2026-09-30 | Not verified |
Both companies write pet insurance. Of the fields we have verified for either company, 8 differ and 8 are unverified on at least one side. We do not pick a winner and we do not score either company.
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