Fetch vs Embrace pet insurance
Short answer
Fetch scores higher overall (9.1 vs 8.8), but the right pick depends on what matters to you.
Excellent
How we score
Very good
How we scoreHead to head
Accident cover starts
Tie
Both: from day one
Illness cover starts
Embrace wins
Embrace: illness cover starts sooner (14 days vs 15 days)
Knee & hip rule
Tie
Same rule in both policies
Cured conditions
Tie
Same rule in both
Dental
Tie
Similar dental terms
Enrollment age
Fetch wins
Fetch has no upper age limit; Embrace limits full cover to pets under 15
Customer ratings
Fetch wins
Fetch is rated higher by its customers on public review sites
Side by side
Accident waiting period
None for accidents from an unexpected event; injuries from 'normal activity' fall under the 15-day wait
Policy, p. 6Knee & hip (orthopedic) wait
180 days, lifetime exclusion if the condition occurs in that window (knee exception with vet exam; accidents exempt)
Policy, p. 11180-day window for dogs (cruciate ligament disease, IVDD, patellar luxation, hip dysplasia): signs in the first 180 days = excluded for life. Kansas and South Carolina (v5 terms): 6-month wait for dogs instead
PolicyPre-existing conditions
Excluded. Curable conditions seen in the 365 days before enrollment or during the wait: 365-day exclusion, then coverable with an annual vet exam; if it recurs, a second 365-day period; recurrence in the second period = excluded for life. The policy's wording is unclear on the second year; check with Fetch.
Policy, p. 10Excluded. Temporary (curable) conditions free of signs and treatment for 12 consecutive months are no longer pre-existing.
PolicyDental illness
Covered as illness unless clinical signs appeared before enrollment or during the waiting period; preventive cleanings excluded
Policy, p. 11Covered, conditional: $1,000 annual sub-limit; pre-existing dental signs (tartar, plaque, gingivitis) block cover until treated; dental prophylaxis never covered
PolicyAnnual limit options
Deductible
Maximum enrollment age
Choose Fetch if…
- ✓ Fetch has no upper age limit; Embrace limits full cover to pets under 15
- ✓ Fetch is rated higher by its customers on public review sites
Choose Embrace if…
- ✓ Embrace: illness cover starts sooner (14 days vs 15 days)
Common questions
Is Fetch better than Embrace?+
Fetch scores higher overall (9.1 vs 8.8), but the right pick depends on what matters to you. Fetch is stronger on enrollment age, customer ratings; Embrace on illness cover starts.
Fetch vs Embrace: accident cover starts?+
Both: from day one.
Fetch vs Embrace: illness cover starts?+
Embrace: illness cover starts sooner (14 days vs 15 days).
Fetch vs Embrace: knee & hip rule?+
Same rule in both policies.
Fetch vs Embrace: cured conditions?+
Same rule in both.
Fetch vs Embrace: dental?+
Similar dental terms.
Fetch vs Embrace: enrollment age?+
Fetch has no upper age limit; Embrace limits full cover to pets under 15.
Fetch vs Embrace: customer ratings?+
Fetch is rated higher by its customers on public review sites.
More comparisons
Based on sample policy documents retrieved 2026-11-09. Terms vary by state. Not insurance advice.