Fetch vs. Embrace pet insurance: coverage comparison
How does Fetch Pet Insurance compare to Embrace pet insurance?
Fetch is the better choice to protect your pet and your wallet because Fetch includes what Embrace charges extra for or doesn’t cover at all.
Embrace doesn’t cover online vet visits. Fetch does.1
Embrace caps dental coverage at $1,000/yr. Fetch has complete dental coverage for every tooth, plus gums, up to your max annual payout.
Embrace doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
Fetch covers what Embrace doesn’t
With Fetch, you get the most complete pet insurance. That means coverage for behavioral therapy, online vet visits, boarding fees and more. Take a closer look at Fetch vs. Embrace to see how Fetch covers more.
 |  | |
|---|---|---|
Every tooth, plus gums |  | |
Online pharmacy. | | |
$1,000/yr. in online vet visits | | |
$1,000/yr. in behavioral therapy | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
Complete dental, telehealth & more: what Embrace excludes from coverage
Fetch has more coverage for dental illness than Embrace
Fetch covers injury and disease in all adult teeth and your pet’s gums. This includes periodontal disease, oral tumors, dental trauma and more.
Embrace only covers up to $1,000 in dental illnesses per year. This may sound like a lot, but a single procedure like a root canal can cost thousands of dollars.
Only Fetch gives you 100% reimbursement on hundreds of qualifying pet meds with Fetch Pet Rx† — Embrace doesn’t.
With Fetch, medications are delivered to your door and are eligible for 100% reimbursement through our online pharmacy, Fetch Pet Rx.
Embrace doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds when you use Fetch Pet Rx.
Over 74%
of pet parents report that their pet’s prescription cost is burdensome.
Fetch reimburses you 100% for online vet visits. Embrace does not.
Fetch covers remote telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support. Online vet visits are covered up to $1,000 a year — $0 copay, $0 deductible.
Embrace does not cover virtual vet visits. Their telehealth coverage is limited to a 24/7 helpline app where you can get guidance about your pet’s health and behavior, but they can’t diagnose your pet or provide a treatment plan.
Get 100% reimbursement on behavioral therapy with Fetch
Fetch gives you 100% reimbursement for consultations with a vet to diagnose and treat behavioral disorders. You’re covered up to $1,000/yr. with $0 copay and $0 deductible.
Embrace covers behavioral therapy, but you’re responsible for the copay and deductible costs, so you won’t be paid back 100%.
Over 95%
of dogs and 75% of cats get behavioral problems.
Embrace charges extra for what comes standard with Fetch
| | |
|---|---|---|
Sick-visit exam fees | | Costs extra |
Vitamins & supplements | | Costs extra |
$1,500+ in instant savings | | |
Boarding fees3 | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
Sick-visit exam fees, vitamins & more cost extra with Embrace
Fetch covers sick-visit exam fees. This coverage costs extra with Embrace.
Every time your pet visits the vet when they're sick or hurt, you'll be charged for an exam fee, which can be around $50 - $300. That’s in addition to the costs for any tests and treatment your pet may need. Fetch covers the complete sick visit — exam fee included.
Embrace charges extra to include sick-visit exam fee coverage in your plan.
7 in 10
pet parents who forgo veterinary care cite financial reasons.
Embrace charges extra for medications your pet may need. This coverage comes standard with Fetch.
Fetch covers vitamins and other supplements when recommended by a vet to treat your pet’s illness or injury.
Embrace only covers vitamins and supplements if you pay extra for their wellness plan (even when prescribed by a vet).
Vitamins like B12 are often needed to manage chronic gastrointestinal illness in dogs and cats.
Save on everyday pet products & services to give your pet a longer, healthier life — at no extra charge — with Fetch
Fetch Members get exclusive access to ongoing discounts on food, treats, training and more with Fetch Deals. Your savings start the day you enroll — no waiting.
Embrace doesn’t have a perks program, so you’ll save $0 on your pet’s everyday essentials.
Fetch Deals
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Food & treats
Essentials
Toys & more
Embrace doesn’t cover boarding fees. Fetch does.
If you’re hospitalized for 4 days or more, Fetch covers up to $1,000 of your pet’s boarding fees at no extra cost.
Embrace doesn’t cover boarding fees at all.
Boarding a pet can cost up to
$185/night
Embrace’s limitations on dental coverage could cost you thousands
When comparing dental coverage with Fetch vs. Embrace, it’s crucial to note where Embrace falls short. Both Fetch and Embrace cover dental, but Fetch is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums. Embrace’s dental coverage comes with a sublimit that could cost you thousands — even if your pet only needs one procedure.
Embrace has a cap (or “sublimit” in insurance-speak) of $1,000/yr. on dental illness coverage. That means the most you’ll get reimbursed for treatment related to dental illness is $1,000 and you’re fully responsible for any costs beyond that amount.
Veterinary dental care is expensive and a single treatment can exceed $1,000. For example, the average cost of a root canal is $3,140. Fetch reimburses up to 90% of that amount with no sublimit, which means you could get paid back as much as $2,826 — more than twice Embrace’s $1,000 limit.
Theo & Brynna
Chipped tooth and Giardia costs:
$3,793
Fetch paid back:
$2,527
How pet insurance claims work: It’s easy to get reimbursed with Fetch
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you've met your deductible, get paid back straight to your bank account when you set up direct deposit.
Mulligan & Taylor
Medical costs:
$9,654
Fetch paid back:
$9,539
Fetch reimburses 100% for these 7 coverages. Embrace does not.
While Fetch and Embrace both offer plans with a 90% reimbursement rate, there are 7 coverages where Fetch will pay back 100% of the cost of approved claims — with no copay and no deductible. These are included for every Fetch Member at no extra cost. Embrace doesn’t offer this.
7 coverages with 100% reimbursement — up to $1,000/yr. each with Fetch
Behavioral therapy
Fetch gives 100% of the cost to diagnose and treat behavioral disorders with a vet back to you.
Boarding
Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized 4+ days.
Online vet visits
Access to licensed vets on-demand from your phone, computer or tablet is covered 100% by Fetch.
Find a lost pet
Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them.
Stolen or stray pet
In the tragic event you're unable to find your pet, we'll cover the cost you paid to adopt or buy them.
Canceled vacation
If your pet gets sick or injured when you’re traveling or before you leave, we'll cover cancelation costs.
Passing of a pet
In the heartbreaking event that your pet dies, we'll cover the cost you paid to adopt or buy them.
Learn more about all 100% reimbursement coverages
Fetch has more affordable options for Wellness coverage than Embrace
To get reimbursed for preventive care, you can add Wellness coverage to your pet insurance plan with Fetch or Embrace. When it comes to pricing, Fetch has more affordable options than Embrace. With Fetch, you can get Wellness coverage for as little as $15/mo. but Embrace’s least expensive option is $23/mo.
When you add Fetch Wellness, you’ll get money back for the vet visits that help keep your pet healthy (think: annual exams, vaccinations, dental cleanings and more). With coverage for both unexpected vet visits and preventive care, you’ll have the full package for your pet’s happiest, healthiest life.
Thousands of 5-star reviews on Trustpilot
Fetch is rated ‘Excellent’ on Trustpilot with 4.6 stars (out of 5) from verified pet parents. Embrace only has 3.9 stars on Trustpilot.
Questions about how Fetch compares to Embrace, answered
Is Fetch or Embrace better for dental coverage?
Does Fetch or Embrace cover pre-existing conditions?
What's the waiting period for Fetch vs. Embrace?
Does Embrace pet insurance cover dental?
Can I switch from Embrace to Fetch?
Does Embrace pet insurance cover medications?
Does Embrace pet insurance cover hereditary conditions?
Does Fetch or Embrace provide better pet insurance?
Is Fetch Pet Insurance a reputable company?
